> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-60c89f9a-mintlify-audit-missing-sections-1778528421.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# About axio Cardless EMI

> axio, formerly Capital Float, is India's leading digital consumer finance company offering pay later and credit management under one seamless brand experience. Offer axio as a payment option where the customers can convert their payment amount to EMIs without a debit or credit card.

<Info>
  **Minimum Order Amount**

  Your customers should place an order of at least ₹900 to use axio as the Cardless EMI payment provider.

  #### Advantages

  * **On-the-fly registration**: The customers can sign up right from Razorpay Checkout by providing their PAN, date of birth, and Aadhaar number for KYC verification.
  * **High approval rate**: More than 40% of the customers who sign up for axio would be eligible for credit.
  * **Zero integration efforts**

    If you use Standard Checkout, axio will be available once our team enables the feature. You do not need to make any changes to your integration.
</Info>

## Payment Flow for Standard Checkout

Customers select the products on your website or app and proceed to Checkout. On the Checkout page, the customers:

1. Enter their **Phone Number** and click **Continue**.

2. Select **EMI** as the payment method.

3. Select **Cardless and Others**.

4. Select **axio** as the Cardless EMI service provider.

5. An OTP is sent on their registered mobile numbers to authenticate the customer account. They enter the OTP and click **Verify**.

6. To complete the KYC verification, they enter their PAN and date of birth and click **Continue**.

7. They enter their Aadhaar card number and click **GET OTP**. An OTP is sent to the mobile number and email address registered with their Aadhaar.

8. They enter the OTP and click **VERIFY**.

<Info>
  **Handy Tips**

  Steps 7, 8 and 9 apply only to customers using axio for the first time.

  1. The EMI options are displayed to the customers. They can select the tenure and click **Select Plan**.

  2. Customers make a down payment using the UPI payment method. A UPI collect request is sent to the customer. They can use their UPI PSP app to complete the payment.

  You will receive the entire transaction amount from axio. Depending on the terms and conditions, the customer pays the total order amount with additional interest (if any) as EMIs to axio.
</Info>

## Standard Checkout Integration

No additional integration is required to show axio as a Cardless EMI service provider on your Standard Checkout integration. Know [how to integrate axio as a payment method on custom checkout.](/payments/payment-methods/emi/cardless-emi/axio/custom-integration)

## Grievance Redressal Officer (GRO) Details

The GRO details are given below:

* **Name:** B S Yasaswi
* **Designation:** Grievance Redressal Officer
* **Address:** New No. 3 (Old No. 211), Gokaldas Platinum, Upper Palace Orchards, Bellary Road, Sadashiva Nagar, Bengaluru, Karnataka 560080
* **Telephone/Mobile:** 080 6807 5001
* **Email ID:** [customersuccess@axio.co.in](mailto:customersuccess@axio.co.in)

To access the Sachet portal, visit the [Sachet Portal - RBI](https://sachet.rbi.org.in/).

## FAQs

See: [axio FAQs](https://axio.co.in/faq/).