---
page_title: Troubleshooting & FAQs
product: Advance EMI
page_source: https://juspay.io/in/docs/advance-emi/docs/advance-emi-suite/troubleshooting--faqs
llms_txt: https://juspay.io/in/docs/llms.txt
product_llms_txt: https://juspay.io/in/docs/advance-emi/llms.txt
---


# Things to keep in mind!



> **Note**
> * 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



## FAQs:

### 1. What are no-cost EMI Cancellation Charges?

Usually, there could be nominal cancellation charges with no-cost EMI, which differ from platform to platform and institution to institution. It is recommended to verify the terms and conditions before choosing termination.

### 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?

No, the standard EMI plan for which any offer has been configured, will not be shown to the user on the payment page. Only the no-cost or the low-cost EMI plans configured as offers will be shown to the user.

### 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 `UDF1`should have value `SPECIAL`
  * When the target user is attempting the transaction, pass the `UDF1`value as`SPECIAL`while 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.
  
  [Video](https://youtu.be/eZnio4W5ku8)

### 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.](https://docs.juspay.in/advance-emi/docs/advance-emi-suite/payment-locking)** 

Pass`payment_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 for`payment_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.
  
  
  #### json Code Snippet:
  
  ```json
  {
      "payment_filter": {
          "allowDefaultOptions": false,
          "options": [],
          "emiOptions": {
          "standardEmi" : {
            "enable" : true
          },
          "lowCostEmi" : {
            "enable" : true
          },
          "noCostEmi" : {
            "enable" : true
          }
        }
  
       }
  }
  
  ```

**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 for`payment_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.
  
  
  #### json Code Snippet:
  
  ```json
  "payment_filter": {
      "allowDefaultOptions": true,
      "options": [],
      "emiOptions": {
          "standardEmi" : {
            "enable" : false
          },
          "lowCostEmi" : {
            "enable" : false
          },
          "noCostEmi" : {
            "enable" : true
          },
      "showOnlyEmi" : true
     }
  }
  
  ```

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

**Payment Locking:**  Use payment locking to control which payment methods are displayed on the payment page.

**UDF-Based Offers:**  Use UDF-based offers when you want to show EMI offers for a specific user base or product or distribution channel or any other business parameter. 



---

## See Also

- [Go-live](https://juspay.io/in/docs/advance-emi/docs/advance-emi-suite/golive)
- [Analytics & Monitoring](https://juspay.io/in/docs/advance-emi/docs/advance-emi-suite/analytics--monitoring)