Watch Out!Instant Refunds are not supported on EMI, Cardless EMI and Pay Later.
Supported Payment Partners
Following is the list of supported Payment Partners for Credit Card EMI and the minimum order amount stipulated by them:Bank Code | Issuer Bank | Availability | Minimum Amount (in INR)
AMEX | American Express | Request Activation | 5000
BARB | Bank of Baroda | Enabled on first card transaction | 2500
CITI | Citibank | Enabled on first card transaction | 2500
FDRL | Federal Bank | Enabled on first card transaction | 2500
HDFC | HDFC Bank | Request Activation | 1000
HSBC | HSBC Bank | Enabled on first card transaction | 2000
ICIC | ICICI Bank | Enabled on first card transaction | 1500
IDFB | IDFC Bank | Enabled on first card transaction | 2500
INDB | IndusInd Bank | Enabled on first card transaction | 2000
KKBK | Kotak Mahindra Bank | Enabled on first card transaction | 2500
RATN | RBL Bank | Enabled on first card transaction | 1500
SBIN | State Bank of India | Request Activation | 2500
SCBL | Standard Chartered | Enabled on first card transaction | 2500
UTIB | Axis Bank | Enabled on first card transaction | 3000
YESB | Yes Bank | Enabled on first card transaction | 1500Code | Card Network Name | Availability | Minimum Amount (in INR)
Onecard | OneCard | Enabled on first card transaction | 2500 For HDFC Bank and State Bank of India (SBI), please raise a request here to enable them (not enabled by default). Check the standard credit card interest rates charged by major banks.Fetch EMI Plans
Use the below endpoint to fetch a list of EMI plans offered by banks: /methods[YOUR_KEY_ID] RequiredTo fire this API, you must provide your [KEY_ID] for authorization. Your [KEY_SECRET] is not required and should not be passed. Know how to generate the API Keys.
Request
curl -u [YOUR_KEY_ID] \
-X GET https://api.razorpay.com/v1/methods
```json: Response
{
"entity": "methods",
...
...
"emi_plans": {
"SCBL": {
"min_amount": 250000,
"plans": {
"6": 13,
"9": 14,
"12": 14,
"3": 11.880000000000001
}
},
"BARB": {
"min_amount": 250000,
"plans": {
"3": 13,
"18": 15,
"6": 14,
"9": 14,
"12": 15,
"24": 16
}
},
"AMEX": {
"min_amount": 500000,
"plans": {
"3": 14,
"6": 14,
"9": 14,
"12": 14,
"18": 15,
"24": 15
}
},
"onecard": {
"min_amount": 250000,
"plans": {
"3": 16,
"6": 16,
"9": 16,
"12": 16,
"18": 16,
"24": 16
}
},
"INDB": {
"min_amount": 200000,
"plans": {
"18": 15,
"24": 15,
"3": 14,
"6": 14,
"9": 15,
"12": 15
}
},
"HDFC": {
"min_amount": 100000,
"plans": {
"3": 16,
"18": 16,
"24": 16,
"6": 16,
"9": 16,
"12": 16
}
},
"KKBK": {
"min_amount": 250000,
"plans": {
"18": 16,
"24": 16,
"3": 16,
"6": 16,
"9": 16,
"12": 16
}
},
"RATN": {
"min_amount": 150000,
"plans": {
"3": 13,
"6": 14,
"9": 15,
"12": 15,
"18": 15,
"24": 15
}
},
"ICIC": {
"min_amount": 150000,
"plans": {
"3": 15.99,
"6": 15.99,
"9": 15.99,
"12": 15.99,
"18": 15.99,
"24": 15.99
}
},
"YESB": {
"min_amount": 150000,
"plans": {
"3": 16,
"6": 16,
"9": 16,
"12": 16,
"18": 16,
"24": 16
}
},
"CITI": {
"min_amount": 250000,
"plans": {
"3": 14,
"6": 14,
"9": 16,
"18": 16,
"24": 16,
"12": 16
}
},
"UTIB": {
"min_amount": 300000,
"plans": {
"18": 16,
"24": 16,
"3": 16,
"6": 16,
"9": 16,
"12": 16
}
},
"IDFB": {
"min_amount": 2500,
"plans": {
"3": 14,
"6": 15,
"9": 15,
"12": 15,
"18": 15,
"24": 15
}
},
"FDRL": {
"min_amount": 250000,
"plans": {
"3": 15.99,
"6": 15.99,
"9": 15.99,
"12": 15.99,
"18": 15.99,
"24": 15.99
}
},
"HSBC": {
"min_amount": 200000,
"plans": {
"3": 15,
"6": 15,
"9": 15,
"12": 15,
"18": 15,
"24": 15
}
},
"HDFC_DC": {
"min_amount": 300000,
"plans": {
"6": 16,
"9": 16,
"12": 16,
"18": 16,
"3": 16
}
},
"INDB_DC": {
"min_amount": 500000,
"plans": {
"3": 17,
"6": 17,
"9": 17,
"12": 17,
"18": 17,
"24": 17
}
}
},
"emi_options": {
"SCBL": [
{
"duration": 6,
"interest": 13,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "3.68"
},
{
"duration": 9,
"interest": 14,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "5.59"
},
{
"duration": 12,
"interest": 14,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "7.19"
},
{
"duration": 3,
"interest": 11.880000000000001,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "1.95"
}
],
"BARB": [
{
"duration": 3,
"interest": 13,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "2.13"
},
{
"duration": 18,
"interest": 15,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "10.95"
},
{
"duration": 6,
"interest": 14,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "3.96"
},
{
"duration": 9,
"interest": 14,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "5.59"
},
{
"duration": 12,
"interest": 15,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "7.67"
},
{
"duration": 24,
"interest": 16,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "14.90"
}
],
"AMEX": [
{
"duration": 3,
"interest": 14,
"subvention": "customer",
"min_amount": 500000,
"merchant_payback": "2.29",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 6,
"interest": 14,
"subvention": "customer",
"min_amount": 500000,
"merchant_payback": "3.96",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 9,
"interest": 14,
"subvention": "customer",
"min_amount": 500000,
"merchant_payback": "5.59",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 12,
"interest": 14,
"subvention": "customer",
"min_amount": 500000,
"merchant_payback": "7.19",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 18,
"interest": 15,
"subvention": "customer",
"min_amount": 500000,
"merchant_payback": "10.95",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 24,
"interest": 15,
"subvention": "customer",
"min_amount": 500000,
"merchant_payback": "14.07",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
}
],
"onecard": [
{
"duration": 3,
"interest": 16,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "2.61"
},
{
"duration": 6,
"interest": 16,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "4.51"
},
{
"duration": 9,
"interest": 16,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "6.35"
},
{
"duration": 12,
"interest": 16,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "8.15"
},
{
"duration": 18,
"interest": 16,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "11.62"
},
{
"duration": 24,
"interest": 16,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "14.90"
}
],
"INDB": [
{
"duration": 18,
"interest": 15,
"subvention": "customer",
"min_amount": 200000,
"merchant_payback": "10.95",
"processing_fee_plan": {
"type": "fixed",
"amount": 24900
}
},
{
"duration": 24,
"interest": 15,
"subvention": "customer",
"min_amount": 200000,
"merchant_payback": "14.07",
"processing_fee_plan": {
"type": "fixed",
"amount": 24900
}
},
{
"duration": 3,
"interest": 14,
"subvention": "customer",
"min_amount": 200000,
"merchant_payback": "2.29",
"processing_fee_plan": {
"type": "fixed",
"amount": 24900
}
},
{
"duration": 6,
"interest": 14,
"subvention": "customer",
"min_amount": 200000,
"merchant_payback": "3.96",
"processing_fee_plan": {
"type": "fixed",
"amount": 24900
}
},
{
"duration": 9,
"interest": 15,
"subvention": "customer",
"min_amount": 200000,
"merchant_payback": "5.97",
"processing_fee_plan": {
"type": "fixed",
"amount": 24900
}
},
{
"duration": 12,
"interest": 15,
"subvention": "customer",
"min_amount": 200000,
"merchant_payback": "7.67",
"processing_fee_plan": {
"type": "fixed",
"amount": 24900
}
}
],
"HDFC": [
{
"duration": 3,
"interest": 16,
"subvention": "customer",
"min_amount": 100000,
"merchant_payback": "2.61",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 18,
"interest": 16,
"subvention": "customer",
"min_amount": 300000,
"merchant_payback": "11.62",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 24,
"interest": 16,
"subvention": "customer",
"min_amount": 300000,
"merchant_payback": "14.90",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 6,
"interest": 16,
"subvention": "customer",
"min_amount": 100000,
"merchant_payback": "4.51",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 9,
"interest": 16,
"subvention": "customer",
"min_amount": 100000,
"merchant_payback": "6.35",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 12,
"interest": 16,
"subvention": "customer",
"min_amount": 100000,
"merchant_payback": "8.15",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
}
],
"KKBK": [
{
"duration": 18,
"interest": 16,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "11.62",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 24,
"interest": 16,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "14.90",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 3,
"interest": 16,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "2.61",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 6,
"interest": 16,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "4.51",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 9,
"interest": 16,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "6.35",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 12,
"interest": 16,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "8.15",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
}
],
"RATN": [
{
"duration": 3,
"interest": 13,
"subvention": "customer",
"min_amount": 150000,
"merchant_payback": "2.13",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 6,
"interest": 14,
"subvention": "customer",
"min_amount": 150000,
"merchant_payback": "3.96",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 9,
"interest": 15,
"subvention": "customer",
"min_amount": 150000,
"merchant_payback": "5.97",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 12,
"interest": 15,
"subvention": "customer",
"min_amount": 150000,
"merchant_payback": "7.67",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 18,
"interest": 15,
"subvention": "customer",
"min_amount": 150000,
"merchant_payback": "10.95",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 24,
"interest": 15,
"subvention": "customer",
"min_amount": 150000,
"merchant_payback": "14.07",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
}
],
"ICIC": [
{
"duration": 3,
"interest": 15.99,
"subvention": "customer",
"min_amount": 150000,
"merchant_payback": "2.61",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 6,
"interest": 15.99,
"subvention": "customer",
"min_amount": 150000,
"merchant_payback": "4.50",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 9,
"interest": 15.99,
"subvention": "customer",
"min_amount": 150000,
"merchant_payback": "6.35",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 12,
"interest": 15.99,
"subvention": "customer",
"min_amount": 150000,
"merchant_payback": "8.15",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 18,
"interest": 15.99,
"subvention": "customer",
"min_amount": 150000,
"merchant_payback": "11.61",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 24,
"interest": 15.99,
"subvention": "customer",
"min_amount": 150000,
"merchant_payback": "14.89",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
}
],
"YESB": [
{
"duration": 3,
"interest": 16,
"subvention": "customer",
"min_amount": 150000,
"merchant_payback": "2.61",
"processing_fee_plan": {
"type": "percentage",
"percentage": 1
}
},
{
"duration": 6,
"interest": 16,
"subvention": "customer",
"min_amount": 150000,
"merchant_payback": "4.51",
"processing_fee_plan": {
"type": "percentage",
"percentage": 1
}
},
{
"duration": 9,
"interest": 16,
"subvention": "customer",
"min_amount": 150000,
"merchant_payback": "6.35",
"processing_fee_plan": {
"type": "percentage",
"percentage": 1
}
},
{
"duration": 12,
"interest": 16,
"subvention": "customer",
"min_amount": 150000,
"merchant_payback": "8.15",
"processing_fee_plan": {
"type": "percentage",
"percentage": 1
}
},
{
"duration": 18,
"interest": 16,
"subvention": "customer",
"min_amount": 150000,
"merchant_payback": "11.62",
"processing_fee_plan": {
"type": "percentage",
"percentage": 1
}
},
{
"duration": 24,
"interest": 16,
"subvention": "customer",
"min_amount": 150000,
"merchant_payback": "14.90",
"processing_fee_plan": {
"type": "percentage",
"percentage": 1
}
}
],
"CITI": [
{
"duration": 3,
"interest": 14,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "2.29",
"processing_fee_plan": {
"type": "combination",
"percentage": 1,
"amount": 10000
}
},
{
"duration": 6,
"interest": 14,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "3.96",
"processing_fee_plan": {
"type": "combination",
"percentage": 1,
"amount": 10000
}
},
{
"duration": 9,
"interest": 16,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "6.35",
"processing_fee_plan": {
"type": "combination",
"percentage": 1,
"amount": 10000
}
},
{
"duration": 18,
"interest": 16,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "11.62",
"processing_fee_plan": {
"type": "combination",
"percentage": 1,
"amount": 10000
}
},
{
"duration": 24,
"interest": 16,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "14.90",
"processing_fee_plan": {
"type": "combination",
"percentage": 1,
"amount": 10000
}
},
{
"duration": 12,
"interest": 16,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "8.15",
"processing_fee_plan": {
"type": "combination",
"percentage": 1,
"amount": 10000
}
}
],
"UTIB": [
{
"duration": 18,
"interest": 16,
"subvention": "customer",
"min_amount": 300000,
"merchant_payback": "11.62",
"processing_fee_plan": {
"type": "combination",
"percentage": 1,
"amount": 10000
}
},
{
"duration": 24,
"interest": 16,
"subvention": "customer",
"min_amount": 300000,
"merchant_payback": "14.90",
"processing_fee_plan": {
"type": "combination",
"percentage": 1,
"amount": 10000
}
},
{
"duration": 3,
"interest": 16,
"subvention": "customer",
"min_amount": 300000,
"merchant_payback": "2.61",
"processing_fee_plan": {
"type": "combination",
"percentage": 1,
"amount": 10000
}
},
{
"duration": 6,
"interest": 16,
"subvention": "customer",
"min_amount": 300000,
"merchant_payback": "4.51",
"processing_fee_plan": {
"type": "combination",
"percentage": 1,
"amount": 10000
}
},
{
"duration": 9,
"interest": 16,
"subvention": "customer",
"min_amount": 300000,
"merchant_payback": "6.35",
"processing_fee_plan": {
"type": "combination",
"percentage": 1,
"amount": 10000
}
},
{
"duration": 12,
"interest": 16,
"subvention": "customer",
"min_amount": 300000,
"merchant_payback": "8.15",
"processing_fee_plan": {
"type": "combination",
"percentage": 1,
"amount": 10000
}
}
],
"IDFB": [
{
"duration": 3,
"interest": 14,
"subvention": "customer",
"min_amount": 2500,
"merchant_payback": "2.29"
},
{
"duration": 6,
"interest": 15,
"subvention": "customer",
"min_amount": 2500,
"merchant_payback": "4.23"
},
{
"duration": 9,
"interest": 15,
"subvention": "customer",
"min_amount": 2500,
"merchant_payback": "5.97"
},
{
"duration": 12,
"interest": 15,
"subvention": "customer",
"min_amount": 2500,
"merchant_payback": "7.67"
},
{
"duration": 18,
"interest": 15,
"subvention": "customer",
"min_amount": 2500,
"merchant_payback": "10.95"
},
{
"duration": 24,
"interest": 15,
"subvention": "customer",
"min_amount": 2500,
"merchant_payback": "14.07"
}
],
"FDRL": [
{
"duration": 3,
"interest": 15.99,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "2.61"
},
{
"duration": 6,
"interest": 15.99,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "4.50"
},
{
"duration": 9,
"interest": 15.99,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "6.35"
},
{
"duration": 12,
"interest": 15.99,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "8.15"
},
{
"duration": 18,
"interest": 15.99,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "11.61"
},
{
"duration": 24,
"interest": 15.99,
"subvention": "customer",
"min_amount": 250000,
"merchant_payback": "14.89"
}
],
"HSBC": [
{
"duration": 3,
"interest": 15,
"subvention": "customer",
"min_amount": 200000,
"merchant_payback": "2.45",
"processing_fee_plan": {
"type": "fixed",
"amount": 9900
}
},
{
"duration": 6,
"interest": 15,
"subvention": "customer",
"min_amount": 200000,
"merchant_payback": "4.23",
"processing_fee_plan": {
"type": "fixed",
"amount": 9900
}
},
{
"duration": 9,
"interest": 15,
"subvention": "customer",
"min_amount": 200000,
"merchant_payback": "5.97",
"processing_fee_plan": {
"type": "fixed",
"amount": 9900
}
},
{
"duration": 12,
"interest": 15,
"subvention": "customer",
"min_amount": 200000,
"merchant_payback": "7.67",
"processing_fee_plan": {
"type": "fixed",
"amount": 9900
}
},
{
"duration": 18,
"interest": 15,
"subvention": "customer",
"min_amount": 200000,
"merchant_payback": "10.95",
"processing_fee_plan": {
"type": "fixed",
"amount": 9900
}
},
{
"duration": 24,
"interest": 15,
"subvention": "customer",
"min_amount": 200000,
"merchant_payback": "14.07",
"processing_fee_plan": {
"type": "fixed",
"amount": 9900
}
}
],
"HDFC_DC": [
{
"duration": 6,
"interest": 16,
"subvention": "customer",
"min_amount": 500000,
"merchant_payback": "4.51",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 9,
"interest": 16,
"subvention": "customer",
"min_amount": 500000,
"merchant_payback": "6.35",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 12,
"interest": 16,
"subvention": "customer",
"min_amount": 500000,
"merchant_payback": "8.15",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 18,
"interest": 16,
"subvention": "customer",
"min_amount": 500000,
"merchant_payback": "11.62",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 3,
"interest": 16,
"subvention": "customer",
"min_amount": 300000,
"merchant_payback": "2.61",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
}
],
"INDB_DC": [
{
"duration": 3,
"interest": 17,
"subvention": "customer",
"min_amount": 500000,
"merchant_payback": "2.77",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 6,
"interest": 17,
"subvention": "customer",
"min_amount": 500000,
"merchant_payback": "4.78",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 9,
"interest": 17,
"subvention": "customer",
"min_amount": 500000,
"merchant_payback": "6.73",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 12,
"interest": 17,
"subvention": "customer",
"min_amount": 500000,
"merchant_payback": "8.63",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 18,
"interest": 17,
"subvention": "customer",
"min_amount": 500000,
"merchant_payback": "12.28",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
},
{
"duration": 24,
"interest": 17,
"subvention": "customer",
"min_amount": 500000,
"merchant_payback": "15.73",
"processing_fee_plan": {
"type": "fixed",
"amount": 19900
}
}
]
},
...
}
Payment Flow on Standard Checkout
Customers select the products on your website or app and proceed to Checkout. On the Checkout page, the customers:1
Step 1
Enter the Phone Number and click Continue.
2
Step 2
Select EMI as the payment method.
3
Step 3
Select Credit Card.
4
Step 4
Choose a bank from the list and select the EMI tenure. Click Continue.
5
Step 5
Enter the relevant details. The eligibility depends on the customer’s card’s BIN (first 6 digits). If the card is not eligible, the customers can pay the full amount.
6
Step 6
Choose if they want to Save this card as per RBI guidelines or pay without saving the card.