> ## 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.

# ZestMoney Cardless EMI

> ZestMoney is the fastest way to pay using EMI without a credit card. You can pay for your entire cart amount in EMIs of your choice as and when made available to you by the lending partners.

<Info>
  **Minimum Order Amount**

  Your customers should place an order of at least ₹99 to use ZestMoney as the Cardless EMI payment provider.
</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:

<Steps>
  <Step title="Step 1">
    Enter the **Phone Number** and click **Proceed**.
  </Step>

  <Step title="Step 2">
    Select **EMI** as the payment method and click **Continue**.
  </Step>

  <Step title="Step 3">
    Enter the **OTP** sent to their mobile number if they want to use their saved cards and click **Verify**.
  </Step>

  <Step title="Step 4">
    Select **Cardless and Others** and click **Continue**.
  </Step>

  <Step title="Step 5">
    Select **Zestmoney** as the Cardless EMI service provider.
  </Step>

  <Step title="Step 6">
    Choose a payment instrument from the list and select the EMI tenure. Click **Select EMI Plan**.
  </Step>
</Steps>

After the successful payment, Razorpay redirects customers to your application or website. Customers' monthly statements will reflect the EMI amount with interest charged by the bank.

You will receive the entire payment amount from the Cardless EMI service provider. Based on the terms and conditions, the customer pays the total payment amount with additional interest (if any) as EMIs to the provider.