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Things to keep in mind!

Please ensure that the Standard EMI feature is enabled at gateway end
Please ensure that the Standard EMI plans are configured under the respective gateway in Juspay dashboard
Customer Mobile number is mandatory parameter for eligibility check on the Debit card EMI and Cardless EMI
If you are not using the Juspay checkout page, please make necessary payload changes mentioned in the Integration documentation following the same syntax

FAQs

1. What are no-cost EMI Cancellation Charges?

2. If a low-cost or no-cost offer is configured for a standard EMI plan, will the standard EMI plan will also be shown on the payment page?

3. How can we show both standard and no-cost / low-cost EMI plans on the payment page, but to different users?

This can be easily managed using UDF (User-Defined Fields) based offers.
While configuring the low-cost or no cost offers, you can define the applicable UDF parameters in the offer configuration logic.
This way, low-cost or no-cost EMI plans will be visible only for applicable UDF based orders. For remaining users, standard EMI plan will be visible.
Use Case: Suppose you want to show the No-Cost EMI option for only those orders where UDF1 value is SPECIAL. For remaining cases, you want to show the Standard EMI Plan.
- During the creation of no-cost offer, define the logic that UDF1should have value SPECIAL
- When the target user is attempting the transaction, pass the UDF1value asSPECIALwhile invoking the payment page i.e in the Session API Call or SDK Process Payload.
For more details on how to configure UDF-based offers, please refer to the below video.

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4. What if I want to display EMI Plans (Standard / No-cost / Low-cost) dynamically on the payment page for each order, based on my business logics

This can be achieved using the Payment Locking feature.

Passpayment_filter parameter in the payload with the required conditions.

Use Case 1: Suppose you sell a premium product, Product X on your online platform and want to show only the Low-cost and No-cost EMI plans to users who have added the Product X in their cart.

Use the following sample code forpayment_filter in the payload when invoking the payment page.
This will blacklist all other available payment options (Cards, Netbanking, UPI, etc.) while opening the payment page
Only Low-cost and No-cost EMI plans will be enabled for this order.

Use Case 2: Suppose you want to show only No-Cost EMI plans for users buying Product X on your online platform. You want to show all other eligible payment options as well for the users (Cards, Netbanking, UPI, etc.). but not the Standard EMI Plans and Low-Cost EMI Plans configured.

If Product X is added to the cart, use the following sample code forpayment_filter in the payload when invoking the payment page.
This will only blacklist Low-cost and Standard EMI Plans from the payment page.
All other eligible payment options (Cards, Netbanking, UPI, etc.) will be available while opening the payment page, along with No-Cost EMI Plans.

5. When to use Payment Locking and UDF-Based Offers?

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