> ## 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 ShopSe Cardless EMI > ShopSe Cardless EMI is a popular **Buy Now Pay Later (BNPL)** option that lets customers convert purchases into monthly instalments without requiring a credit card, and in some cases, not even a debit card. This digital finance solution helps make high-value purchases more affordable and accessible. **Handy Tips** This payment provider is available only with Optimizer. #### Advantages * **Streamlined digital process**: Quick, paperless approvals at checkout reduce friction and help lower cart abandonment rates. * **No credit card required**: A flexible financing option for customers without a credit card or those who prefer not to use one. ## ShopSe 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. An OTP is sent to their registered mobile number to check their eligibility. They enter the OTP and click **Continue**. 5. Select **ShopSe Digital Finance** as the Cardless EMI service provider. 6. Select the EMI tenure and complete the payment. You receive the full transaction amount from ShopSe. Customers then pay ShopSe the total order amount in EMIs, along with any applicable interest, as per their terms and conditions. ## Standard Checkout Integration No additional integration is required to show ShopSe as a Cardless EMI service provider on your Standard Checkout integration. Know [how to integrate ShopSe as a payment method on custom checkout.](/payments/payment-gateway/web-integration/custom/payment-methods#cardless-emi) ## Related Information [ShopSe FAQs](https://www.getshopse.com/customer-faq).