> ## 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 Snapmint Cardless EMI

> Snapmint's Cardless EMI is a **buy now pay later (BNPL)** service that lets customers buy products on easy monthly instalments without a credit card. It offers a credit line, often linked to your customers' debit card or UPI, making purchases more accessible.

<Info>
  **Handy Tips**

  This payment provider is available only with Optimizer.

  #### Advantages

  * **Quick and Seamless Integration**: Enjoy a straightforward integration and smooth digital checkout, reducing friction and boosting conversions.
  * **Fast & Easy Approval**: Customers benefit from instant, digital approvals with minimal paperwork, avoiding long waits.
  * **Higher Average Order Value (AOV)**: Instalment options encourage customers to buy more expensive items or add more to their cart, significantly increasing your average order value.
</Info>

## Snapmint 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 **Snapmint** as the Cardless EMI service provider.

6. Select the EMI tenure and complete the payment.

You receive the full transaction amount from Snapmint. Customers then pay Snapmint 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 Snapmint as a Cardless EMI service provider on your Standard Checkout integration. Know [how to integrate Snapmint as a payment method on custom checkout.](/payments/payment-gateway/web-integration/custom/payment-methods#cardless-emi)

## Related Information

[Snapmint FAQs](https://snapmint.com/faq).