--- page_source: https://juspay.io/in/docs/ec-api/docs/base-integration/emi-plans-api page_title: EMI Plans API --- ## API Version: default # EMI Plans V2 EMI plans (V2) API will help a merchant in getting a consolidated list of the EMIs enabled on the merchant MIDs across gateways. The response would cover: * **Card EMIs** (Standard, No Cost & Low Cost) * **Cardless EMIs** (Standard, No Cost & Low Cost) _Merchants need to configure the banks and tenure at JusPay’s end for which they wish to provide NO/ LOW Cost EMI to their users. Also if the gateway don't have their own EMI Plans API, then the merchant need to provide the EMI Plans to JusPay. And accordingly, the API response would cover the scenarios._ The response of the API can be directly consumed by the merchant to show the monthly EMI amount and the interest levied to the end customers on the merchant checkout page. The merchant need not do any calculation even in case of Low/ No Cost EMI. ## Endpoints: - Sandbox: https://payments.sandbox.juspay.in/v2/emi/plans - Production: https://payments.juspay.in/v2/emi/plans ## Request Type: POST ## Headers: #### Content-Type: application/x-www-form-urlencoded - Tags: String, Mandatory #### x-routing-id: We recommend passing the customer_id as the x-routing-id. If the customer is checking out as a guest, you can pass an alternative ID that helps track the payment session lifecycle. For example, this could be an Order ID or Cart ID. > **Warning** > This ID is associated with the customer. It plays a key role in ensuring consistency and maintaining connections across different systems. If you fail to pass the same x-routing-id for the same customer in all related API calls, it could lead to issues with API functionality. Therefore, it’s crucial that you use the same x-routing-id for all requests tied to the same customer. - Value: customer_1122 - Tags: String, Required ## Sample Code Snippets: ### Sample Request: #### EMI plans API request for cards(new) Code Snippet: ```emi plans api request for cards(new) -H 'Authorization: Basic ' \ -H 'Content-Type: application/x-www-form-urlencoded' \ -H 'x-routing-id: customer_1122'\ --data-urlencode 'order_amount=69999.00' \ --data-urlencode 'merchant_id=' \ --data-urlencode 'mobile_number=9999999999' \ --data-urlencode 'order_basket=[{"id":"491838009","description":"Test Product","quantity":1,"unitPrice":69999.00,"category":"Electronics","sku":"12345","productUrl":"https://www.google.com","sellerType":"VENDOR","customParams":{"name1":"value1","name2":"value2"}}]' ``` #### EMI plans API request for cards(new+saved) Code Snippet: ```emi plans api request for cards(new+saved) curl --location 'https://sandbox.juspay.in/v2/emi/plans' \ --header 'Authorization: Basic RUZDQzdENEEy*************==' \ --header 'Content-Type: application/x-www-form-urlencoded' \ --header 'x-routing-id: customer_1122' \ --data-urlencode 'order_amount=25123.25' \ --data-urlencode 'merchant_id=Merchant' \ --data-urlencode 'mobile_number=8754102262' \ --data-urlencode 'order_basket=[{"id":"491838009","description":"Test Product","quantity":1,"unitPrice":25123.25,"category":"Electronics","sku":"12345","productUrl":"https://www.google.com","sellerType":"VENDOR","customParams":{"name1":"value1","name2":"value2"}}]' \ --data-urlencode 'customer_id=8754102262' \ --data-urlencode 'get_saved_card_emi_options=true' ``` ### Sample Response: #### EMI plans API request for cards(new): ```json { "cart_amount": "69999.00", "emi_plans": { "STANDARD_EMI": { "CREDIT": { "payment_method": "CARD", "payment_method_type": "CARD", "issuers": [ { "emi_bank": "HDFC", "issuer_name": "HDFC Bank", "juspay_bank_code": "JP_HDFC", "bank_plan_description": null, "tenures": [ { "additional_processing_fee": "234.82", "bank_interest_rate": "16.00", "tenure": 24, "total_amount_payable": "70505.76", "total_interest_amount": "10506.76", "total_monthly_amount_payable": "2937.74", "total_instant_discount_amount": "10000.00", "total_cashback_amount": "0.00", "product_details": [ { "product_id": "53845", "product_amount": "69999.00", "bank_interest_amount": "0.00", "emi_instant_discount_amount": "10000.00", "emi_cashback_amount": "0.00", "additional_cashback_info": "null", "interest_discount_amount": null } ], "supported_gateways": [ { "gateway": "PAYTM_V2", "gateway_id": 19, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": [ "b9a5ed33-67a6-426e-b11a-1d59b314b7af" ], "interest_discount_amount": "0.00", "additional_discount_amount": "10000.00", "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": "https://api.juspay.in/kfs?token=TkRZMlltVmxOVE00WmpCak5qaGxZekV3TWpSaVkyWTJPRFZqWmpoak5ERXRPSkdwT1JPcUs3S2FLbzhKS1FjN25VOTk4UGVkUUR2TmdnWiszM2JxemVPSERsLzdaYmQ5bkV3aWV3dDhVREhLL3FtdW5kOEtiY2hhRmFrUHpxN2NtcUlhb1FuaUV3cHdNRUI5aEx5d25MOEc4YUhYdTVxWTB2QXRPc3hHMkdxVTZHbEt0cS9Zend3VU1KYVRyNit3b0xCdTF5MEhMMURKYlFZNlBQQlhuaXZmRFQwOWNRQkxLV0dLVS91Y2toNEVac3JGeWtUcG9wWT0=", "additional_processing_fee_info": { "value": "199.00", "user_message": "199 + GST is Applicable", "fee": "199.00", "gst": "35.82", "type": "ABSOLUTE" }, "schedule_of_charges": null }, { "additional_processing_fee": "0.00", "bank_interest_rate": "16.00", "tenure": 36, "total_amount_payable": "88594.56", "total_interest_amount": "18595.56", "total_monthly_amount_payable": "2460.96", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "PAYTM_V2", "gateway_id": 19, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": "https://api.juspay.in/kfs?token=TkRZMlltVmxOVE00WmpCak5qaGxZekV3TWpSaVkyWTJPRFZqWmpoak5ERXRPSkdwT1JPcUs3S2FLbzhKS1FjN25VOTk4UGVkUUR2TmdnWiszM2JxemVPSERsLzdZYjkra2s4bmZSZHVDSGJRN3JXK3pZQWFZOWRPVk9RTTFhakVpNHNPalNYbVBSSnhNUXd6bEwreG43NEMrS2ZMcWNiSXplRW5LdHBjeFdTODZrcGM4ZWJLMlI1UllZeVZ1YWozNkxBZXBUZ2ZORjdPQ1drNmVieEtsUzNmREN4c1B4TkhaWXNKU0lpYVp4ZDNJeHNLQ29yamdDS3BIQT09", "additional_processing_fee_info": null, "schedule_of_charges": null }, { "additional_processing_fee": "0.00", "bank_interest_rate": "16.00", "tenure": 48, "total_amount_payable": "95221.92", "total_interest_amount": "25222.92", "total_monthly_amount_payable": "1983.79", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "PAYTM_V2", "gateway_id": 19, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": "https://api.juspay.in/kfs?token=TkRZMlltVmxOVE00WmpCak5qaGxZekV3TWpSaVkyWTJPRFZqWmpoak5ERXRPSkdwT1JPcUs3S2FLbzhKS1FjN25VOTk4UGVkUUR2TmdnWiszM2JxemVPSERsLzdZcko1bVVncmVSZHVDSGJRN3JXK3pZQWFZOUJBVk9RTTFhakVpNHNPalNYbVBSSnhNUXd6bEwreWtyQUI5cWpMcWNiSXplRW5LdHBjeFdTODZrcGM4ZWJLMlI1UllZeVZ1YWozNkxBZXBUZ2ZORjdPQ1drNmVieEtsUzNmREN4c1B4TkhaWXNKT2liREVSc0xncFdQV1FFbmxIeHBBQT09", "additional_processing_fee_info": null, "schedule_of_charges": null } ] }, { "emi_bank": "ICICI", "issuer_name": "ICICI Bank", "juspay_bank_code": "JP_ICICI", "bank_plan_description": null, "tenures": [ { "additional_processing_fee": "0.00", "bank_interest_rate": "15.99", "tenure": 24, "total_amount_payable": "70498.80", "total_interest_amount": "10499.80", "total_monthly_amount_payable": "2937.45", "total_instant_discount_amount": "10000.00", "total_cashback_amount": "0.00", "product_details": [ { "product_id": "53845", "product_amount": "69999.00", "bank_interest_amount": "0.00", "emi_instant_discount_amount": "10000.00", "emi_cashback_amount": "0.00", "additional_cashback_info": null, "interest_discount_amount": null } ], "supported_gateways": [ { "gateway": "PAYTM_V2", "gateway_id": 19, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": [ "fae52482-2033-48e4-adc3-1ec82d67fbc0" ], "interest_discount_amount": "0.00", "additional_discount_amount": "10000.00", "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": null, "schedule_of_charges": null } ] }, { "emi_bank": "YES", "issuer_name": "Yes Bank", "juspay_bank_code": "JP_YESB", "bank_plan_description": null, "tenures": [ { "additional_processing_fee": "0.00", "bank_interest_rate": "16.00", "tenure": 24, "total_amount_payable": "82256.88", "total_interest_amount": "12257.88", "total_monthly_amount_payable": "3427.37", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "CCAVENUE_V2", "gateway_id": 16, "supported_features": null }, { "gateway": "PAYTM_V2", "gateway_id": 19, "supported_features": null }, { "gateway": "PAYU", "gateway_id": 12, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": null, "schedule_of_charges": null } ] } ] }, "DEBIT": null, "CARDLESS": { "payment_method": "CONSUMER_FINANCE", "payment_method_type": "CONSUMER_FINANCE", "issuers": [ { "emi_bank": "LAZYPAY_CLEMI", "issuer_name": "LAZYPAY", "juspay_bank_code": "JP_LAZYPAY", "bank_plan_description": null, "tenures": [ { "additional_processing_fee": "177.00", "bank_interest_rate": "20.00", "tenure": 3, "total_amount_payable": "72,345", "total_interest_amount": "2,346", "total_monthly_amount_payable": "24115", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "LAZYPAY", "gateway_id": 252 } ], "metadata": null, "surcharge_details": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "total_deferred_cashback_amount": null, "tnc": null, "tnc_clauses": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": null, "schedule_of_charges": null, "offer_info": null, "auth_amount": "69999.00" } ] } ] } }, "LOW_COST_EMI": null, "NO_COST_EMI": { "CREDIT": { "payment_method": "CARD", "payment_method_type": "CARD", "issuers": [ { "emi_bank": "AMEX", "issuer_name": "AMEX", "juspay_bank_code": "JP_AMEX", "bank_plan_description": null, "tenures": [ { "additional_processing_fee": "0.00", "bank_interest_rate": "14.00", "tenure": 3, "total_amount_payable": "59999.01", "total_interest_amount": "1373.23", "total_monthly_amount_payable": "19999.67", "total_instant_discount_amount": "11373.22", "total_cashback_amount": "0.00", "product_details": [ { "product_id": "53845", "product_amount": "69999.00", "bank_interest_amount": "1373.22", "emi_instant_discount_amount": "10000.00", "emi_cashback_amount": "0.00", "additional_cashback_info": null, "interest_discount_amount": "1373.22" } ], "supported_gateways": [ { "gateway": "PAYTM_V2", "gateway_id": 19, "supported_features": null }, { "gateway": "PAYU", "gateway_id": 12, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": [ "ba3e5f9a-22e6-4e2a-8f48-34137ce0d23a" ], "interest_discount_amount": "1373.22", "additional_discount_amount": "10000.00", "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": null, "schedule_of_charges": null }, { "additional_processing_fee": "0.00", "bank_interest_rate": "14.00", "tenure": 6, "total_amount_payable": "59998.98", "total_interest_amount": "2375.67", "total_monthly_amount_payable": "9999.83", "total_instant_discount_amount": "12375.69", "total_cashback_amount": "0.00", "product_details": [ { "product_id": "53845", "product_amount": "69999.00", "bank_interest_amount": "2375.69", "emi_instant_discount_amount": "10000.00", "emi_cashback_amount": "0.00", "additional_cashback_info": null, "interest_discount_amount": "2375.69" } ], "supported_gateways": [ { "gateway": "PAYTM_V2", "gateway_id": 19, "supported_features": null }, { "gateway": "PAYU", "gateway_id": 12, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": [ "ba3e5f9a-22e6-4e2a-8f48-34137ce0d23a" ], "interest_discount_amount": "2375.69", "additional_discount_amount": "10000.00", "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": null, "schedule_of_charges": null }, { "additional_processing_fee": "0.00", "bank_interest_rate": "14.00", "tenure": 9, "total_amount_payable": "59999.04", "total_interest_amount": "3355.35", "total_monthly_amount_payable": "6666.56", "total_instant_discount_amount": "13355.31", "total_cashback_amount": "0.00", "product_details": [ { "product_id": "53845", "product_amount": "69999.00", "bank_interest_amount": "3355.31", "emi_instant_discount_amount": "10000.00", "emi_cashback_amount": "0.00", "additional_cashback_info": null, "interest_discount_amount": "3355.31" } ], "supported_gateways": [ { "gateway": "PAYTM_V2", "gateway_id": 19, "supported_features": null }, { "gateway": "PAYU", "gateway_id": 12, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": [ "ba3e5f9a-22e6-4e2a-8f48-34137ce0d23a" ], "interest_discount_amount": "3355.31", "additional_discount_amount": "10000.00", "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": null, "schedule_of_charges": null }, { "additional_processing_fee": "0.00", "bank_interest_rate": "14.00", "tenure": 12, "total_amount_payable": "59999.04", "total_interest_amount": "4312.69", "total_monthly_amount_payable": "4999.92", "total_instant_discount_amount": "14312.65", "total_cashback_amount": "0.00", "product_details": [ { "product_id": "53845", "product_amount": "69999.00", "bank_interest_amount": "4312.65", "emi_instant_discount_amount": "10000.00", "emi_cashback_amount": "0.00", "additional_cashback_info": null, "interest_discount_amount": "4312.65" } ], "supported_gateways": [ { "gateway": "PAYTM_V2", "gateway_id": 19, "supported_features": null }, { "gateway": "PAYU", "gateway_id": 12, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": [ "ba3e5f9a-22e6-4e2a-8f48-34137ce0d23a" ], "interest_discount_amount": "4312.65", "additional_discount_amount": "10000.00", "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": null, "schedule_of_charges": null }, { "additional_processing_fee": "0.00", "bank_interest_rate": "15.00", "tenure": 18, "total_amount_payable": "59999.04", "total_interest_amount": "6568.10", "total_monthly_amount_payable": "3333.28", "total_instant_discount_amount": "16568.06", "total_cashback_amount": "0.00", "product_details": [ { "product_id": "53845", "product_amount": "69999.00", "bank_interest_amount": "6568.06", "emi_instant_discount_amount": "10000.00", "emi_cashback_amount": "0.00", "additional_cashback_info": null, "interest_discount_amount": "6568.06" } ], "supported_gateways": [ { "gateway": "PAYTM_V2", "gateway_id": 19, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": [ "ba3e5f9a-22e6-4e2a-8f48-34137ce0d23a" ], "interest_discount_amount": "6568.06", "additional_discount_amount": "10000.00", "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": null, "schedule_of_charges": null } ] }, { "emi_bank": "HDFC", "issuer_name": "HDFC Bank", "juspay_bank_code": "JP_HDFC", "bank_plan_description": null, "tenures": [ { "additional_processing_fee": "0.00", "bank_interest_rate": "16.00", "tenure": 3, "total_amount_payable": "59999.01", "total_interest_amount": "1565.13", "total_monthly_amount_payable": "19999.67", "total_instant_discount_amount": "11565.12", "total_cashback_amount": "0.00", "product_details": [ { "product_id": "53845", "product_amount": "69999.00", "bank_interest_amount": "1565.12", "emi_instant_discount_amount": "10000.00", "emi_cashback_amount": "0.00", "additional_cashback_info": null, "interest_discount_amount": "1565.12" } ], "supported_gateways": [ { "gateway": "CCAVENUE_V2", "gateway_id": 16, "supported_features": null }, { "gateway": "PAYTM_V2", "gateway_id": 19, "supported_features": null }, { "gateway": "PAYU", "gateway_id": 12, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": [ "837fc813-84c6-4c87-b8c7-38ae1bbe4164" ], "interest_discount_amount": "1565.12", "additional_discount_amount": "10000.00", "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": "https://api.juspay.in/kfs?token=TkRZMlltVmxOVE00WmpCak5qaGxZekV3TWpSaVkyWTJPRFZqWmpoak5ERXRPSkdwT1JPcUs3S2FLbzhKS1FjN25VOTk4UGVkUUR2TmdnWiszM2JxemVPSERsLzdmYjV5a2tNcmNoZHVDSGJRN3JXK3pZQWFZOWRVV3FzTzFMTFlqNTR5cFNIT0VSQnJLaFpsakxTNmtyRUw5NmJMcWNiSXplRW5LdHBjeFdTODZrcGM4ZWJLMlI1UllZeVZ1YWozNkxBZXBUZ2ZORjdPQ1drNmVieEtsUzNmREN4c1B4TkhaWXNKQSsxQ3RKa0syVXdSQTFwMnV6WHdvQT09", "additional_processing_fee_info": null, "schedule_of_charges": null }, { "additional_processing_fee": "0.00", "bank_interest_rate": "16.00", "tenure": 6, "total_amount_payable": "59998.98", "total_interest_amount": "2703.29", "total_monthly_amount_payable": "9999.83", "total_instant_discount_amount": "12703.31", "total_cashback_amount": "0.00", "product_details": [ { "product_id": "53845", "product_amount": "69999.00", "bank_interest_amount": "2703.31", "emi_instant_discount_amount": "10000.00", "emi_cashback_amount": "0.00", "additional_cashback_info": null, "interest_discount_amount": "2703.31" } ], "supported_gateways": [ { "gateway": "CCAVENUE_V2", "gateway_id": 16, "supported_features": null }, { "gateway": "PAYTM_V2", "gateway_id": 19, "supported_features": null }, { "gateway": "PAYU", "gateway_id": 12, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": [ "837fc813-84c6-4c87-b8c7-38ae1bbe4164" ], "interest_discount_amount": "2703.31", "additional_discount_amount": "10000.00", "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": "https://api.juspay.in/kfs?token=TkRZMlltVmxOVE00WmpCak5qaGxZekV3TWpSaVkyWTJPRFZqWmpoak5ERXRPSkdwT1JPcUs3S2FLbzhKS1FjN25VOTk4UGVkUUR2TmdnWiszM2JxemVPSERsLzdmYlo3bTBvaWV4VnVGSGlHLzc2bHlwZGRlOTVPVk9RTTFhakVpNHNPalNYbVBSSnhNUXd6bEwrNmtyRUwrYUxMcWNiSXplRW5LdHBjeFdTODZrcGM4ZWJLMlI1UllZeVZ1YWozNkxBZXBUZ2ZORjdPQ1drNmVieEtsUzNmREN4c1B4TkhaWXNKWDJKUzNJam4wMjJsWmpadnQwZ1NoUT09", "additional_processing_fee_info": null, "schedule_of_charges": null }, { "additional_processing_fee": "0.00", "bank_interest_rate": "16.00", "tenure": 9, "total_amount_payable": "59999.04", "total_interest_amount": "3811.98", "total_monthly_amount_payable": "6666.56", "total_instant_discount_amount": "13811.94", "total_cashback_amount": "0.00", "product_details": [ { "product_id": "53845", "product_amount": "69999.00", "bank_interest_amount": "3811.94", "emi_instant_discount_amount": "10000.00", "emi_cashback_amount": "0.00", "additional_cashback_info": null, "interest_discount_amount": "3811.94" } ], "supported_gateways": [ { "gateway": "CCAVENUE_V2", "gateway_id": 16, "supported_features": null }, { "gateway": "PAYTM_V2", "gateway_id": 19, "supported_features": null }, { "gateway": "PAYU", "gateway_id": 12, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": [ "837fc813-84c6-4c87-b8c7-38ae1bbe4164" ], "interest_discount_amount": "3811.94", "additional_discount_amount": "10000.00", "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": "https://api.juspay.in/kfs?token=TkRZMlltVmxOVE00WmpCak5qaGxZekV3TWpSaVkyWTJPRFZqWmpoak5ERXRPSkdwT1JPcUs3S2FLbzhKS1FjN25VOTk4UGVkUUR2TmdnWiszM2JxemVPSERsLzdmYjV5a2tNcmZSZHVDSGJRN3JXK3pZQWFZOTFVV3FzTzFMTFlqNTR5cFNIT0VSQnJLaFpsakxPMW5iNEg5NkhMdGNpYXovd3JMTXhjMzJPMXkybGM1N2ZTMHdKZktwYVZ2N2pndUtnR3pTSVFJMUxNREFnMGQvZE5qenpJR3pwcmFRdE1Zc0R4UGJzZTNqSTVOU1JGdk9ZeWpnNGI=", "additional_processing_fee_info": null, "schedule_of_charges": null }, { "additional_processing_fee": "0.00", 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"kfs_link": "https://api.juspay.in/kfs?token=TkRZMlltVmxOVE00WmpCak5qaGxZekV3TWpSaVkyWTJPRFZqWmpoak5ERXRPSkdwT1JPcUs3S2FLbzhKS1FjN25VOTk4UGVkUUR2TmdnWiszM2JxemVPSERsLzdmYjV5a2tNcmZSZHVDSGJRN3JXK3pZQWFZOVZLVk9RTTFhakVpNHNPalNYbVBSSnhNUXd6bEwrM2tyRUwrS1BMcWNiSXplRW5LdHBjeFdTODZrcGM4ZWJLMlI1UllZeVZ1YWozNkxBZXBUZ2ZORjdPQ1drNmVieEtsUzNmREN4c1B4TkhaWXNKVFNrbnM5dWxjdjhoWUxFRmRlZXQ0Zz09", "additional_processing_fee_info": null, "schedule_of_charges": null } ] }, { "emi_bank": "YES", "issuer_name": "Yes Bank", "juspay_bank_code": "JP_YESB", "bank_plan_description": null, "tenures": [ { "additional_processing_fee": "0.00", "bank_interest_rate": "16.00", "tenure": 3, "total_amount_payable": "69999.00", "total_interest_amount": "1825.97", "total_monthly_amount_payable": "23333.00", "total_instant_discount_amount": "1825.97", "total_cashback_amount": "0.00", "product_details": [ { "product_id": "53845", "product_amount": "69999.00", "bank_interest_amount": "1825.97", "emi_instant_discount_amount": 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"product_id": "53845", "product_amount": "69999.00", "bank_interest_amount": "3153.87", "emi_instant_discount_amount": "0.00", "emi_cashback_amount": "0.00", "additional_cashback_info": null, "interest_discount_amount": "3153.87" } ], "supported_gateways": [ { "gateway": "CCAVENUE_V2", "gateway_id": 16, "supported_features": null }, { "gateway": "PAYTM_V2", "gateway_id": 19, "supported_features": null }, { "gateway": "PAYU", "gateway_id": 12, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": [ "55f424c0-0a4d-4c3e-9d2f-2aa6423c3b9e" ], "interest_discount_amount": "3153.87", "additional_discount_amount": "0.00", "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": null, "schedule_of_charges": null }, { "additional_processing_fee": "0.00", "bank_interest_rate": "16.00", "tenure": 9, "total_amount_payable": "69999.03", "total_interest_amount": "4447.30", "total_monthly_amount_payable": "7777.67", "total_instant_discount_amount": "4447.27", "total_cashback_amount": "0.00", "product_details": [ { "product_id": "53845", "product_amount": "69999.00", "bank_interest_amount": "4447.27", "emi_instant_discount_amount": "0.00", "emi_cashback_amount": "0.00", "additional_cashback_info": null, "interest_discount_amount": "4447.27" } ], "supported_gateways": [ { "gateway": "CCAVENUE_V2", "gateway_id": 16, "supported_features": null }, { "gateway": "PAYTM_V2", "gateway_id": 19, "supported_features": null }, { "gateway": "PAYU", "gateway_id": 12, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": [ "55f424c0-0a4d-4c3e-9d2f-2aa6423c3b9e" ], "interest_discount_amount": "4447.27", "additional_discount_amount": "0.00", "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": null, "schedule_of_charges": null }, { "additional_processing_fee": "0.00", "bank_interest_rate": "16.00", "tenure": 12, "total_amount_payable": "69999.00", "total_interest_amount": "5707.20", "total_monthly_amount_payable": "5833.25", "total_instant_discount_amount": "5707.20", "total_cashback_amount": "0.00", "product_details": [ { "product_id": "53845", "product_amount": "69999.00", "bank_interest_amount": "5707.20", "emi_instant_discount_amount": "0.00", "emi_cashback_amount": "0.00", "additional_cashback_info": null, "interest_discount_amount": "5707.20" } ], "supported_gateways": [ { "gateway": "CCAVENUE_V2", "gateway_id": 16, "supported_features": null }, { "gateway": "PAYTM_V2", "gateway_id": 19, "supported_features": null }, { "gateway": "PAYU", "gateway_id": 12, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": [ "55f424c0-0a4d-4c3e-9d2f-2aa6423c3b9e" ], "interest_discount_amount": "5707.20", "additional_discount_amount": "0.00", "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": null, "schedule_of_charges": null }, { "additional_processing_fee": "0.00", "bank_interest_rate": "16.00", "tenure": 18, "total_amount_payable": "69998.94", "total_interest_amount": "8130.43", "total_monthly_amount_payable": "3888.83", "total_instant_discount_amount": "8130.49", "total_cashback_amount": "0.00", "product_details": [ { "product_id": "53845", "product_amount": "69999.00", "bank_interest_amount": "8130.49", "emi_instant_discount_amount": "0.00", "emi_cashback_amount": "0.00", "additional_cashback_info": null, "interest_discount_amount": "8130.49" } ], "supported_gateways": [ { "gateway": "CCAVENUE_V2", "gateway_id": 16, "supported_features": null }, { "gateway": "PAYTM_V2", "gateway_id": 19, "supported_features": null }, { "gateway": "PAYU", "gateway_id": 12, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": [ "55f424c0-0a4d-4c3e-9d2f-2aa6423c3b9e" ], "interest_discount_amount": "8130.49", "additional_discount_amount": "0.00", "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": null, "schedule_of_charges": null } ] } ] }, "DEBIT": null, "CARDLESS": null } }, "saved_instrument_emi_plans": null } ``` #### EMI plans API request for cards(new+saved): ```plaintext { "cart_amount": "25123.25", "emi_plans": { "STANDARD_EMI": { "CREDIT": { "payment_method": "CARD", "payment_method_type": "CARD", "issuers": [ { "emi_bank": "AXIS", "issuer_name": "Axis Bank", "juspay_bank_code": "JP_AXIS", "bank_plan_description": null, "tenures": [ { "additional_processing_fee": "234.82", "bank_interest_rate": "5.00", "tenure": 6, "total_amount_payable": "25490.88", "total_interest_amount": "367.65", "total_monthly_amount_payable": "4248.48", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "PAYU", "gateway_id": 12, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": { "value": "199.00", "user_message": "199 + GST is Applicable", "fee": "199.00", "gst": "35.82", "type": "ABSOLUTE" }, "schedule_of_charges": null, "offer_info": null, "auth_amount": "25123.23" }, { "additional_processing_fee": "234.82", "bank_interest_rate": "5.00", "tenure": 9, "total_amount_payable": "25649.55", "total_interest_amount": "526.30", "total_monthly_amount_payable": "2849.95", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "PAYU", "gateway_id": 12, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": { "value": "199.00", "user_message": "199 + GST is Applicable", "fee": "199.00", "gst": "35.82", "type": "ABSOLUTE" }, "schedule_of_charges": null, "offer_info": null, "auth_amount": "25123.25" }, { "additional_processing_fee": "234.82", "bank_interest_rate": "5.00", "tenure": 12, "total_amount_payable": "25808.88", "total_interest_amount": "685.61", "total_monthly_amount_payable": "2150.74", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "PAYU", "gateway_id": 12, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": { "value": "199.00", "user_message": "199 + GST is Applicable", "fee": "199.00", "gst": "35.82", "type": "ABSOLUTE" }, "schedule_of_charges": null, "offer_info": null, "auth_amount": "25123.27" }, { "additional_processing_fee": "234.82", "bank_interest_rate": "5.00", "tenure": 18, "total_amount_payable": "26129.34", "total_interest_amount": "1006.18", "total_monthly_amount_payable": "1451.63", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "PAYU", "gateway_id": 12, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": { "value": "199.00", "user_message": "199 + GST is Applicable", "fee": "199.00", "gst": "35.82", "type": "ABSOLUTE" }, "schedule_of_charges": null, "offer_info": null, "auth_amount": "25123.16" }, { 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"total_monthly_amount_payable": "4384.76", "total_instant_discount_amount": "0.00", "total_cashback_amount": "0.00", "product_details": [ { "product_id": "491838009", "product_amount": "25123.25", "bank_interest_amount": "1185.31", "emi_instant_discount_amount": "0.00", "emi_cashback_amount": "0.00", "additional_cashback_info": null, "interest_discount_amount": "0.00", "total_amount_payable": "25123.25" } ], "supported_gateways": [ { "gateway": "PINELABS", "gateway_id": 74, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": "0.00", "additional_discount_amount": "0.00", "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": { "value": "199.00", "user_message": "199 + GST is Applicable", "fee": "199.00", "gst": "35.82", "type": "ABSOLUTE" }, "schedule_of_charges": null, "offer_info": null, "auth_amount": "25123.25" }, { "additional_processing_fee": 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"additional_discount_amount": "0.00", "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": { "value": "199.00", "user_message": "199 + GST is Applicable", "fee": "199.00", "gst": "35.82", "type": "ABSOLUTE" }, "schedule_of_charges": null, "offer_info": null, "auth_amount": "25123.25" }, { "additional_processing_fee": "234.82", "bank_interest_rate": "16.00", "tenure": 24, "total_amount_payable": "29522.64", "total_interest_amount": "4399.45", "total_monthly_amount_payable": "1230.11", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "PAYU", "gateway_id": 12, "supported_features": null }, { "gateway": "PINELABS", "gateway_id": 74, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "tnc": null, "txn_emi_type": "STANDARD_EMI", 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"234.82", "kfs_link": null, "auth_amount": "23991.30", "schedule_of_charges": null, "total_amount_payable": "25123.25", "additional_discount_amount": null } ], "issuer_name": "HDFC Bank", "emi_bank": "HDFC", "juspay_bank_code": "JP_HDFC", "bank_plan_description": null } ], "payment_method": "CARD", "payment_method_type": "CARD" }, "CARDLESS": null, "DEBIT": null }, "LOW_COST_EMI": { "CREDIT": { "issuers": [ { "tenures": [ { "total_interest_amount": "568.84", "offer_info": null, "bank_interest_rate": "15.00", "offer_type": null, "offer_ids": null, "other_payment_info": null, "product_details": [ { "interest_discount_amount": "0.00", "emi_instant_discount_amount": "2000.00", "additional_cashback_info": null, "emi_cashback_amount": "462.46", "product_amount": "25123.25", "product_id": "491838009", "bank_interest_amount": "568.84", "total_amount_payable": "23123.25" } ], "txn_emi_type": "LOW_COST_EMI", "interest_discount_amount": "0.00", "supported_gateways": [ { "gateway": "PINELABS", "gateway_id": 74, "supported_features": null } ], "metadata": null, "tnc": null, "additional_processing_fee_info": { "value": "199.00", "user_message": "199 + GST is Applicable", "fee": "199.00", "gst": "35.82", "type": "ABSOLUTE" }, "total_cashback_amount": "462.46", "tenure": 3, "total_instant_discount_amount": "2000.00", "total_monthly_amount_payable": "7743.21", "additional_processing_fee": "234.82", "kfs_link": null, "auth_amount": "22660.79", "schedule_of_charges": null, "total_amount_payable": "23229.63", "additional_discount_amount": "2000.00" }, { "total_interest_amount": "1022.07", "offer_info": null, "bank_interest_rate": "15.00", "offer_type": null, "offer_ids": null, "other_payment_info": null, "product_details": [ { "interest_discount_amount": "0.00", "emi_instant_discount_amount": "2000.00", "additional_cashback_info": null, "emi_cashback_amount": "462.46", "product_amount": "25123.25", "product_id": "491838009", "bank_interest_amount": "1022.07", "total_amount_payable": "23123.25" } ], "txn_emi_type": "LOW_COST_EMI", "interest_discount_amount": "0.00", "supported_gateways": [ { "gateway": "PINELABS", "gateway_id": 74, "supported_features": null } ], "metadata": null, "tnc": null, "additional_processing_fee_info": { "value": "199.00", "user_message": "199 + GST", "fee": "199.00", "gst": "35.82", "type": "ABSOLUTE" }, "total_cashback_amount": "462.46", "tenure": 6, "total_instant_discount_amount": "2000.00", "total_monthly_amount_payable": "4024.22", "additional_processing_fee": "234.82", "kfs_link": null, "auth_amount": "23123.25", "schedule_of_charges": null, "total_amount_payable": "24145.32", "additional_discount_amount": "2000.00" }, { "total_interest_amount": "1439.68", "offer_info": null, "bank_interest_rate": "15.00", "offer_type": null, "offer_ids": null, "other_payment_info": null, "product_details": [ { "interest_discount_amount": "462.46", "emi_instant_discount_amount": "2000.00", "additional_cashback_info": null, "emi_cashback_amount": "0.00", "product_amount": "25123.25", "product_id": "491838009", "bank_interest_amount": "1439.68", "total_amount_payable": "22660.79" } ], "txn_emi_type": "LOW_COST_EMI", "interest_discount_amount": "462.46", "supported_gateways": [ { "gateway": "PINELABS", "gateway_id": 74, "supported_features": null } ], "metadata": null, "tnc": null, "additional_processing_fee_info": { "value": "299.00", "user_message": "299 + GST is Applicable", "fee": "299.00", "gst": "53.82", "type": "ABSOLUTE" }, "total_cashback_amount": "0.00", "tenure": 9, "total_instant_discount_amount": "2462.46", "total_monthly_amount_payable": "2677.83", "additional_processing_fee": "352.82", "kfs_link": null, "auth_amount": "22660.79", "schedule_of_charges": null, "total_amount_payable": "24100.47", "additional_discount_amount": "2000.00" }, { "total_interest_amount": "4029.69", "offer_info": null, "bank_interest_rate": "15.00", "offer_type": null, "offer_ids": null, "other_payment_info": null, "product_details": [ { "interest_discount_amount": "502.46", "emi_instant_discount_amount": "0.00", "additional_cashback_info": null, "emi_cashback_amount": "0.00", "product_amount": "25123.25", "product_id": "491838009", "bank_interest_amount": "4029.69", "total_amount_payable": "24620.79" } ], "txn_emi_type": "LOW_COST_EMI", "interest_discount_amount": "502.46", "supported_gateways": [ { "gateway": "PINELABS", "gateway_id": 74, "supported_features": null } ], "metadata": null, "tnc": null, "additional_processing_fee_info": { "value": "299.00", "user_message": "299 + GST is Applicable", "fee": "299.00", "gst": "53.82", "type": "ABSOLUTE" }, "total_cashback_amount": "0.00", "tenure": 24, "total_instant_discount_amount": "502.46", "total_monthly_amount_payable": "1193.77", "additional_processing_fee": "352.82", "kfs_link": null, "auth_amount": "24620.79", "schedule_of_charges": null, "total_amount_payable": "28650.48", "additional_discount_amount": "0.00" } ], "issuer_name": "HDFC Bank", "emi_bank": "HDFC", "juspay_bank_code": "JP_HDFC", "bank_plan_description": null } ], "payment_method": "CARD", "payment_method_type": "CARD" }, "CARDLESS": null, "DEBIT": null } } } ] } ``` ## Body Parameters: ### Parameters: #### order_amount: - Description: Total order amount. Conditional (either order_id or amount are required) - Tags: integer #### order_id: - Description: JusPay Order ID. Conditional (either order_id or amount are required) - Tags: string #### merchant_id: - Description: The username of the account you hold at Juspay - Tags: string, Mandatory #### customer_id: - Description: JusPay Customer identifier**Note:** To retrieve the stored card EMI plans, passing the customer_id parameter is mandatory - Tags: string, Conditional #### mobile_number: - Description: Customer Mobile number for eligibility check - Tags: integer #### order_basket: - Description: Order Basket Details - Value: - **Object**: - Value: - **Id**: - Description: The unique id of the item that is intended for the offer/EMI - Tags: String, Mandatory - **Description**: - Description: The description of the product - Tags: String - **Quantity**: - Description: The number of items against a particular product - Tags: double, Mandatory - **UnitPrice**: - Description: The price of the individual product - Tags: double, Mandatory - **Category**: - Description: The category of the product. Eg: Electronics - Tags: String - **Sku**: - Description: The unique identifier for a product. - Tags: String - **ProductURL**: - Description: The url which contains the image of the product - Tags: String - **SellerType**: - Description: The type of the seller, may be Vendor, MarketPlace - Tags: String - **CustomParams**: - Description: If there are any additional params to be passed merchants can make use of customParams. It should be key value pair. - Tags: JSON - Tags: jSON - Tags: Array of objects #### gateway_reference_id: - Description: Pass gateway reference ID, if you need to filter plans accordingly - Tags: String #### get_saved_card_emi_options: - Description: This needs to be passed along with customer_id to get EMI plans on saved cards. - Tags: Boolean, Optional ## API Responses: ### 200: #### cart_amount: - Description: Total order amount - Tags: string #### emi_plans: - Description: List all the EMI Plans supported by underlying PGs - Value: - **STANDARD_EMI**: - Value: - **Credit object**: - Value: - **Payment_method**: - Description: CARD - Tags: String - **Payment_method_type**: - Description: CARD - Tags: String - **Issuers**: - Description: List of Issuers providing EMI Plans to customer - Value: - **Emi_bank**: - Description: EMI Bank Identifier - Tags: String - **Issuer_name**: - Description: Name of Issuing Bank - Tags: String - **Juspay_bank_code**: - Description: JusPay Bank Code - Tags: String - **Bank_plan_description**: - Tags: String - **Tenures**: - Description: List of Tenures supported by the issuing bank - Value: - **Offer_type**: - Tags: String - **Additional_processing_fee**: - Description: Additional Processing Fee levied by certain issuers for EMI transactions - Tags: String - **Bank_interest_rate**: - Description: Interest Rate for specific tenure, annualized - Tags: String - **Tenure**: - Description: Tenure in months - Tags: String - **Total_amount_payable**: - Description: Total amount payable by customer inclusive ofinterest amount - Tags: String - **Total_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Total_monthly_amount_payable**: - Description: Total monthly EMI amount payable by customer - Tags: String - **Total_instant_discount_amount**: - Description: Total instant discount amount [EMI discount + any additional upfront discounts] - Tags: String - **Total_cashback_amount**: - Description: Total cashback amount, if applicable - Tags: String - **Interest_discount_amount**: - Description: Total interest discount amount, if applicable [No cost / Low cost] - Tags: String - **Supported_gateways**: - Description: List of gateways supporting the EMI Plans - Value: - **Gateway**: - Description: Gateway Name - Tags: String - **Gateway_id**: - Description: Juspay Gateway Identifier - Tags: Number - Tags: Array of objects - **Additional_discount_amount**: - Description: Total additional discount amount, if applicable [Bank offers etc.] - Tags: String - **Offer_ids**: - Description: List of offer Ids attached to the plan, applicable when Juspay offer engine is being used - Tags: Array of String - **Product_details**: - Description: List of all products supported for the plan and includes detailed split-up - Value: - **Product_id**: - Description: Product Identifier - Tags: String - **Product_amount**: - Description: Total Product Amount - Tags: String - **Bank_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Emi_instant_discount_amount**: - Description: Product wise additional Instant Discount, if applicable - Tags: String - **Emi_cashback_amount**: - Description: Product wise cashback amount, if applicable - Tags: String - **Additional_cashback_info**: - Description: Text field mentioning any additional cashback details, (Applicable for specific gateways) - Tags: String - **Interest_discount_amount**: - Description: Product wise interest discount amount, if applicable [No cost / Low cost] - Tags: String, Mandatory - Tags: Array of Objects - **Txn_emi_type**: - Description: emi_type to be passed in txns request. This value can vary from the root block if merchant is using Juspay offer engine for running EMI offers [STANDARD_EMI, NO_COST_EMI, LOW_COST_EMI] - Tags: String, Mandatory - Tags: Array of objects - Tags: Array of objects - Tags: object - **Debit object**: - Value: - **Payment_method**: - Description: CARD - Tags: String - **Payment_method_type**: - Description: CARD - Tags: String - **Issuers**: - Description: List of Issuers providing EMI Plans to customer - Value: - **Emi_bank**: - Description: EMI Bank Identifier - Tags: String - **Issuer_name**: - Description: Name of Issuing Bank - Tags: String - **Juspay_bank_code**: - Description: JusPay Bank Code - Tags: String - **Bank_plan_description**: - Tags: String - **Tenures**: - Description: List of Tenures supported by the issuing bank - Value: - **Offer_type**: - Tags: String - **Additional_processing_fee**: - Description: Additional Processing Fee levied by certain issuers for EMI transactions - Tags: String - **Bank_interest_rate**: - Description: Interest Rate for specific tenure - Tags: String - **Tenure**: - Description: Tenure in months - Tags: Integer - **Total_amount_payable**: - Description: Total amount payable by customer inclusive ofinterest amount - Tags: String - **Total_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Total_monthly_amount_payable**: - Description: Total monthly EMI amount payable by customer - Tags: String - **Total_instant_discount_amount**: - Description: Total instant discount amount [EMI discount + any additional upfront discounts] - Tags: String - **Total_cashback_amount**: - Description: Total cashback Amount, if applicable - Tags: String - **Additional_discount_amount**: - Description: Total additional discount amount, if applicable [Bank offers etc.] - Tags: String - **Interest_discount_amount**: - Description: Total interest discount amount, if applicable [No cost / Low cost] - Tags: String - **Supported_gateways**: - Description: List of gateways supporting the EMI Plans - Tags: Array of Objects - **Offer_ids**: - Description: List of offer Ids attached to the plan, applicable when Juspay offer engine is being used - Tags: Array of Strings - **Product_details**: - Value: - **Product_id**: - Description: Product Identifier - Tags: String - **Product_amount**: - Description: Total Product Amount - Tags: String - **Bank_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Emi_instant_discount_amount**: - Description: Product wise additional Instant Discount, if applicable - Tags: String - **Emi_cashback_amount**: - Description: Product wise cashback amount, if applicable - Tags: String - **Additional_cashback_info**: - Description: Text field mentioning any additional cashback details, (For specific gateways) - Tags: String - **Interest_discount_amount**: - Description: Product wise interest discount amount, if applicable [No cost / Low cost] - Tags: String - Tags: Array of objects - **Txn_emi_type**: - Description: emi_type to be passed in txns request. This value can vary from the root block if merchant is using Juspay offer engine for running EMI offers [STANDARD_EMI, NO_COST_EMI, LOW_COST_EMI] - Tags: String, Mandatory - Tags: Array of objects - Tags: Array of objects - Tags: String - **Cardless**: - Value: - **Payment_method**: - Description: FLEXMONEY/ ZESTMONEY/ SHOPSE. Note: Ignore this field and pick emi_bank field for passing payment_method in txns request for Cardless providers - Tags: String - **Payment_method_type**: - Description: CONSUMER_FINANCE - Tags: String - **Issuers**: - Description: List of Issuers providing EMI Plans to customer - Value: - **Emi_bank**: - Description: EMI Bank Identifier - Tags: String - **Issuer_name**: - Description: Name of Issuing Bank - Tags: String - **Juspay_bank_code**: - Description: JusPay Bank Code - Tags: String - **Tenures**: - Description: List of Tenures supported by the issuing bank - Value: - **Additional_processing_fee**: - Description: Additional Processing Fee levied by certain issuers for EMI transactions - Tags: String - **Bank_interest_rate**: - Description: Annualized interest rate - Tags: String - **Tenure**: - Description: Tenure in months - Tags: String - **Total_amount_payable**: - Description: Total amount payable by customer inclusive of interest amount - Tags: String - **Total_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Total_monthly_amount_payable**: - Description: Total monthly EMI amount payable by customer - Tags: String - **Total_instant_discount_amount**: - Description: Total instant discount amount [EMI discount + any additional upfront discounts] - Tags: String - **Total_cashback_amount**: - Description: Total cashback Amount, if applicable - Tags: String - **Interest_discount_amount**: - Description: Total interest discount amount, if applicable [No cost / Low cost] - Tags: String - **Additional_discount_amount**: - Description: Total additional discount amount, if applicable [Bank offers etc.] - Tags: String - **Supported_gateways**: - Description: List of gateways supporting the EMI Plans - Value: - **Gateway**: - Description: Gateway Name - Tags: String - **Gateway_id**: - Description: Juspay Gateway Identifier - Tags: Number - Tags: Array of Objects - **Offer_ids**: - Description: List of offer Ids attached to the plan, applicable when Juspay offer engine is being used - Tags: Array of strings - **Product_details**: - Description: List of all products supported for the plan and includes detailed split-up - Value: - **Product_id**: - Description: Product Identifier - Tags: String - **Product_amount**: - Description: Total Product Amount - Tags: String - **Bank_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Emi_instant_discount_amount**: - Description: Product wise additional Instant Discount, if applicable - Tags: String - **Emi_cashback_amount**: - Description: Product wise cashback amount, if applicable - Tags: String - **Additional_cashback_info**: - Description: Text field mentioning any additional cashback details, (For specific gateways) - Tags: String - **Interest_discount_amount**: - Description: Product wise interest discount amount, if applicable [No cost / Low cost] - Tags: String - Tags: Array of Objects - **Txn_emi_type**: - Description: emi_type to be passed in txns request. This value can vary from the root block if merchant is using Juspay offer engine for running EMI offers [STANDARD_EMI, NO_COST_EMI, LOW_COST_EMI] - Tags: String, Mandatory - Tags: Array of objects - Tags: Array of objects - Tags: String - Tags: object, Mandatory - **LOW_COST_EMI**: - Value: - **Credit object**: - Value: - **Payment_method**: - Description: CARD - Tags: String - **Payment_method_type**: - Description: CARD - Tags: String - **Issuers**: - Description: List of Issuers providing EMI Plans to customer - Value: - **Emi_bank**: - Description: EMI Bank Identifier - Tags: String - **Issuer_name**: - Description: Name of Issuing Bank - Tags: String - **Juspay_bank_code**: - Description: JusPay Bank Code - Tags: String - **Bank_plan_description**: - Tags: String - **Tenures**: - Description: List of Tenures supported by the issuing bank - Value: - **Offer_type**: - Tags: String - **Additional_processing_fee**: - Description: Additional Processing Fee levied by certain issuers for EMI transactions - Tags: String - **Bank_interest_rate**: - Description: Interest Rate for specific tenure, annualized - Tags: String - **Tenure**: - Description: Tenure in months - Tags: String - **Total_amount_payable**: - Description: Total amount payable by customer inclusive ofinterest amount - Tags: String - **Total_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Total_monthly_amount_payable**: - Description: Total monthly EMI amount payable by customer - Tags: String - **Total_instant_discount_amount**: - Description: Total instant discount amount [EMI discount + any additional upfront discounts] - Tags: String - **Total_cashback_amount**: - Description: Total cashback amount, if applicable - Tags: String - **Interest_discount_amount**: - Description: Total interest discount amount, if applicable [No cost / Low cost] - Tags: String - **Supported_gateways**: - Description: List of gateways supporting the EMI Plans - Value: - **Gateway**: - Description: Gateway Name - Tags: String - **Gateway_id**: - Description: Juspay Gateway Identifier - Tags: Number - Tags: Array of objects - **Additional_discount_amount**: - Description: Total additional discount amount, if applicable [Bank offers etc.] - Tags: String - **Offer_ids**: - Description: List of offer Ids attached to the plan, applicable when Juspay offer engine is being used - Tags: Array of String - **Product_details**: - Description: List of all products supported for the plan and includes detailed split-up - Value: - **Product_id**: - Description: Product Identifier - Tags: String - **Product_amount**: - Description: Total Product Amount - Tags: String - **Bank_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Emi_instant_discount_amount**: - Description: Product wise additional Instant Discount, if applicable - Tags: String - **Emi_cashback_amount**: - Description: Product wise cashback amount, if applicable - Tags: String - **Additional_cashback_info**: - Description: Text field mentioning any additional cashback details, (Applicable for specific gateways) - Tags: String - **Interest_discount_amount**: - Description: Product wise interest discount amount, if applicable [No cost / Low cost] - Tags: String, Mandatory - Tags: Array of Objects - **Txn_emi_type**: - Description: emi_type to be passed in txns request. This value can vary from the root block if merchant is using Juspay offer engine for running EMI offers [STANDARD_EMI, NO_COST_EMI, LOW_COST_EMI] - Tags: String, Mandatory - Tags: Array of objects - Tags: Array of objects - Tags: object - **Debit object**: - Value: - **Payment_method**: - Description: CARD - Tags: String - **Payment_method_type**: - Description: CARD - Tags: String - **Issuers**: - Description: List of Issuers providing EMI Plans to customer - Value: - **Emi_bank**: - Description: EMI Bank Identifier - Tags: String - **Issuer_name**: - Description: Name of Issuing Bank - Tags: String - **Juspay_bank_code**: - Description: JusPay Bank Code - Tags: String - **Bank_plan_description**: - Tags: String - **Tenures**: - Description: List of Tenures supported by the issuing bank - Value: - **Offer_type**: - Tags: String - **Additional_processing_fee**: - Description: Additional Processing Fee levied by certain issuers for EMI transactions - Tags: String - **Bank_interest_rate**: - Description: Interest Rate for specific tenure - Tags: String - **Tenure**: - Description: Tenure in months - Tags: Integer - **Total_amount_payable**: - Description: Total amount payable by customer inclusive ofinterest amount - Tags: String - **Total_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Total_monthly_amount_payable**: - Description: Total monthly EMI amount payable by customer - Tags: String - **Total_instant_discount_amount**: - Description: Total instant discount amount [EMI discount + any additional upfront discounts] - Tags: String - **Total_cashback_amount**: - Description: Total cashback Amount, if applicable - Tags: String - **Additional_discount_amount**: - Description: Total additional discount amount, if applicable [Bank offers etc.] - Tags: String - **Interest_discount_amount**: - Description: Total interest discount amount, if applicable [No cost / Low cost] - Tags: String - **Supported_gateways**: - Description: List of gateways supporting the EMI Plans - Tags: Array of Objects - **Offer_ids**: - Description: List of offer Ids attached to the plan, applicable when Juspay offer engine is being used - Tags: Array of Strings - **Product_details**: - Value: - **Product_id**: - Description: Product Identifier - Tags: String - **Product_amount**: - Description: Total Product Amount - Tags: String - **Bank_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Emi_instant_discount_amount**: - Description: Product wise additional Instant Discount, if applicable - Tags: String - **Emi_cashback_amount**: - Description: Product wise cashback amount, if applicable - Tags: String - **Additional_cashback_info**: - Description: Text field mentioning any additional cashback details, (For specific gateways) - Tags: String - **Interest_discount_amount**: - Description: Product wise interest discount amount, if applicable [No cost / Low cost] - Tags: String - Tags: Array of objects - **Txn_emi_type**: - Description: emi_type to be passed in txns request. This value can vary from the root block if merchant is using Juspay offer engine for running EMI offers [STANDARD_EMI, NO_COST_EMI, LOW_COST_EMI] - Tags: String, Mandatory - Tags: Array of objects - Tags: Array of objects - Tags: String - **Cardless**: - Value: - **Payment_method**: - Description: FLEXMONEY/ ZESTMONEY/ SHOPSE. Note: Ignore this field and pick emi_bank field for passing payment_method in txns request for Cardless providers - Tags: String - **Payment_method_type**: - Description: CONSUMER_FINANCE - Tags: String - **Issuers**: - Description: List of Issuers providing EMI Plans to customer - Value: - **Emi_bank**: - Description: EMI Bank Identifier - Tags: String - **Issuer_name**: - Description: Name of Issuing Bank - Tags: String - **Juspay_bank_code**: - Description: JusPay Bank Code - Tags: String - **Tenures**: - Description: List of Tenures supported by the issuing bank - Value: - **Additional_processing_fee**: - Description: Additional Processing Fee levied by certain issuers for EMI transactions - Tags: String - **Bank_interest_rate**: - Description: Annualized interest rate - Tags: String - **Tenure**: - Description: Tenure in months - Tags: String - **Total_amount_payable**: - Description: Total amount payable by customer inclusive of interest amount - Tags: String - **Total_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Total_monthly_amount_payable**: - Description: Total monthly EMI amount payable by customer - Tags: String - **Total_instant_discount_amount**: - Description: Total instant discount amount [EMI discount + any additional upfront discounts] - Tags: String - **Total_cashback_amount**: - Description: Total cashback Amount, if applicable - Tags: String - **Interest_discount_amount**: - Description: Total interest discount amount, if applicable [No cost / Low cost] - Tags: String - **Additional_discount_amount**: - Description: Total additional discount amount, if applicable [Bank offers etc.] - Tags: String - **Supported_gateways**: - Description: List of gateways supporting the EMI Plans - Value: - **Gateway**: - Description: Gateway Name - Tags: String - **Gateway_id**: - Description: Juspay Gateway Identifier - Tags: Number - Tags: Array of Objects - **Offer_ids**: - Description: List of offer Ids attached to the plan, applicable when Juspay offer engine is being used - Tags: Array of strings - **Product_details**: - Description: List of all products supported for the plan and includes detailed split-up - Value: - **Product_id**: - Description: Product Identifier - Tags: String - **Product_amount**: - Description: Total Product Amount - Tags: String - **Bank_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Emi_instant_discount_amount**: - Description: Product wise additional Instant Discount, if applicable - Tags: String - **Emi_cashback_amount**: - Description: Product wise cashback amount, if applicable - Tags: String - **Additional_cashback_info**: - Description: Text field mentioning any additional cashback details, (For specific gateways) - Tags: String - **Interest_discount_amount**: - Description: Product wise interest discount amount, if applicable [No cost / Low cost] - Tags: String - Tags: Array of Objects - **Txn_emi_type**: - Description: emi_type to be passed in txns request. This value can vary from the root block if merchant is using Juspay offer engine for running EMI offers [STANDARD_EMI, NO_COST_EMI, LOW_COST_EMI] - Tags: String, Mandatory - Tags: Array of objects - Tags: Array of objects - Tags: String - Tags: object, Mandatory - **NO_COST_EMI**: - Value: - **Credit object**: - Value: - **Payment_method**: - Description: CARD - Tags: String - **Payment_method_type**: - Description: CARD - Tags: String - **Issuers**: - Description: List of Issuers providing EMI Plans to customer - Value: - **Emi_bank**: - Description: EMI Bank Identifier - Tags: String - **Issuer_name**: - Description: Name of Issuing Bank - Tags: String - **Juspay_bank_code**: - Description: JusPay Bank Code - Tags: String - **Bank_plan_description**: - Tags: String - **Tenures**: - Description: List of Tenures supported by the issuing bank - Value: - **Offer_type**: - Tags: String - **Additional_processing_fee**: - Description: Additional Processing Fee levied by certain issuers for EMI transactions - Tags: String - **Bank_interest_rate**: - Description: Interest Rate for specific tenure, annualized - Tags: String - **Tenure**: - Description: Tenure in months - Tags: String - **Total_amount_payable**: - Description: Total amount payable by customer inclusive ofinterest amount - Tags: String - **Total_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Total_monthly_amount_payable**: - Description: Total monthly EMI amount payable by customer - Tags: String - **Total_instant_discount_amount**: - Description: Total instant discount amount [EMI discount + any additional upfront discounts] - Tags: String - **Total_cashback_amount**: - Description: Total cashback amount, if applicable - Tags: String - **Interest_discount_amount**: - Description: Total interest discount amount, if applicable [No cost / Low cost] - Tags: String - **Supported_gateways**: - Description: List of gateways supporting the EMI Plans - Value: - **Gateway**: - Description: Gateway Name - Tags: String - **Gateway_id**: - Description: Juspay Gateway Identifier - Tags: Number - Tags: Array of objects - **Additional_discount_amount**: - Description: Total additional discount amount, if applicable [Bank offers etc.] - Tags: String - **Offer_ids**: - Description: List of offer Ids attached to the plan, applicable when Juspay offer engine is being used - Tags: Array of String - **Product_details**: - Description: List of all products supported for the plan and includes detailed split-up - Value: - **Product_id**: - Description: Product Identifier - Tags: String - **Product_amount**: - Description: Total Product Amount - Tags: String - **Bank_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Emi_instant_discount_amount**: - Description: Product wise additional Instant Discount, if applicable - Tags: String - **Emi_cashback_amount**: - Description: Product wise cashback amount, if applicable - Tags: String - **Additional_cashback_info**: - Description: Text field mentioning any additional cashback details, (Applicable for specific gateways) - Tags: String - **Interest_discount_amount**: - Description: Product wise interest discount amount, if applicable [No cost / Low cost] - Tags: String, Mandatory - Tags: Array of Objects - **Txn_emi_type**: - Description: emi_type to be passed in txns request. This value can vary from the root block if merchant is using Juspay offer engine for running EMI offers [STANDARD_EMI, NO_COST_EMI, LOW_COST_EMI] - Tags: String, Mandatory - Tags: Array of objects - Tags: Array of objects - Tags: object - **Debit object**: - Value: - **Payment_method**: - Description: CARD - Tags: String - **Payment_method_type**: - Description: CARD - Tags: String - **Issuers**: - Description: List of Issuers providing EMI Plans to customer - Value: - **Emi_bank**: - Description: EMI Bank Identifier - Tags: String - **Issuer_name**: - Description: Name of Issuing Bank - Tags: String - **Juspay_bank_code**: - Description: JusPay Bank Code - Tags: String - **Bank_plan_description**: - Tags: String - **Tenures**: - Description: List of Tenures supported by the issuing bank - Value: - **Offer_type**: - Tags: String - **Additional_processing_fee**: - Description: Additional Processing Fee levied by certain issuers for EMI transactions - Tags: String - **Bank_interest_rate**: - Description: Interest Rate for specific tenure - Tags: String - **Tenure**: - Description: Tenure in months - Tags: Integer - **Total_amount_payable**: - Description: Total amount payable by customer inclusive ofinterest amount - Tags: String - **Total_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Total_monthly_amount_payable**: - Description: Total monthly EMI amount payable by customer - Tags: String - **Total_instant_discount_amount**: - Description: Total instant discount amount [EMI discount + any additional upfront discounts] - Tags: String - **Total_cashback_amount**: - Description: Total cashback Amount, if applicable - Tags: String - **Additional_discount_amount**: - Description: Total additional discount amount, if applicable [Bank offers etc.] - Tags: String - **Interest_discount_amount**: - Description: Total interest discount amount, if applicable [No cost / Low cost] - Tags: String - **Supported_gateways**: - Description: List of gateways supporting the EMI Plans - Tags: Array of Objects - **Offer_ids**: - Description: List of offer Ids attached to the plan, applicable when Juspay offer engine is being used - Tags: Array of Strings - **Product_details**: - Value: - **Product_id**: - Description: Product Identifier - Tags: String - **Product_amount**: - Description: Total Product Amount - Tags: String - **Bank_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Emi_instant_discount_amount**: - Description: Product wise additional Instant Discount, if applicable - Tags: String - **Emi_cashback_amount**: - Description: Product wise cashback amount, if applicable - Tags: String - **Additional_cashback_info**: - Description: Text field mentioning any additional cashback details, (For specific gateways) - Tags: String - **Interest_discount_amount**: - Description: Product wise interest discount amount, if applicable [No cost / Low cost] - Tags: String - Tags: Array of objects - **Txn_emi_type**: - Description: emi_type to be passed in txns request. This value can vary from the root block if merchant is using Juspay offer engine for running EMI offers [STANDARD_EMI, NO_COST_EMI, LOW_COST_EMI] - Tags: String, Mandatory - Tags: Array of objects - Tags: Array of objects - Tags: String - **Cardless**: - Value: - **Payment_method**: - Description: FLEXMONEY/ ZESTMONEY/ SHOPSE. Note: Ignore this field and pick emi_bank field for passing payment_method in txns request for Cardless providers - Tags: String - **Payment_method_type**: - Description: CONSUMER_FINANCE - Tags: String - **Issuers**: - Description: List of Issuers providing EMI Plans to customer - Value: - **Emi_bank**: - Description: EMI Bank Identifier - Tags: String - **Issuer_name**: - Description: Name of Issuing Bank - Tags: String - **Juspay_bank_code**: - Description: JusPay Bank Code - Tags: String - **Tenures**: - Description: List of Tenures supported by the issuing bank - Value: - **Additional_processing_fee**: - Description: Additional Processing Fee levied by certain issuers for EMI transactions - Tags: String - **Bank_interest_rate**: - Description: Annualized interest rate - Tags: String - **Tenure**: - Description: Tenure in months - Tags: String - **Total_amount_payable**: - Description: Total amount payable by customer inclusive of interest amount - Tags: String - **Total_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Total_monthly_amount_payable**: - Description: Total monthly EMI amount payable by customer - Tags: String - **Total_instant_discount_amount**: - Description: Total instant discount amount [EMI discount + any additional upfront discounts] - Tags: String - **Total_cashback_amount**: - Description: Total cashback Amount, if applicable - Tags: String - **Interest_discount_amount**: - Description: Total interest discount amount, if applicable [No cost / Low cost] - Tags: String - **Additional_discount_amount**: - Description: Total additional discount amount, if applicable [Bank offers etc.] - Tags: String - **Supported_gateways**: - Description: List of gateways supporting the EMI Plans - Value: - **Gateway**: - Description: Gateway Name - Tags: String - **Gateway_id**: - Description: Juspay Gateway Identifier - Tags: Number - Tags: Array of Objects - **Offer_ids**: - Description: List of offer Ids attached to the plan, applicable when Juspay offer engine is being used - Tags: Array of strings - **Product_details**: - Description: List of all products supported for the plan and includes detailed split-up - Value: - **Product_id**: - Description: Product Identifier - Tags: String - **Product_amount**: - Description: Total Product Amount - Tags: String - **Bank_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Emi_instant_discount_amount**: - Description: Product wise additional Instant Discount, if applicable - Tags: String - **Emi_cashback_amount**: - Description: Product wise cashback amount, if applicable - Tags: String - **Additional_cashback_info**: - Description: Text field mentioning any additional cashback details, (For specific gateways) - Tags: String - **Interest_discount_amount**: - Description: Product wise interest discount amount, if applicable [No cost / Low cost] - Tags: String - Tags: Array of Objects - **Txn_emi_type**: - Description: emi_type to be passed in txns request. This value can vary from the root block if merchant is using Juspay offer engine for running EMI offers [STANDARD_EMI, NO_COST_EMI, LOW_COST_EMI] - Tags: String, Mandatory - Tags: Array of objects - Tags: Array of objects - Tags: String - Tags: object, Mandatory - Tags: object ### API Latency Guidelines #### **What is API Latency?** Time taken by the server to respond to the API request. #### **Average API Percentile Metrics and Recommended Timeout** **TP50 (ms)** : This represents the median latency, meaning 50% of all requests are completed in this time or less. It indicates the typical performance experienced by the majority of users. **TP90 (ms)** : This value shows that 90% of requests are completed within this time, leaving 10% of requests that take longer. It gives insight into the performance for a broader set of users, beyond the median. **TP99 (ms)** : This value indicates that 99% of requests finish within this time, with only 1% of requests taking longer. It helps identify outlier cases where latency may become an issue for a small group of users. **TP99.9 (ms)** : This metric captures extreme latency outliers, where only 0.1% of requests take longer than this value. It’s useful for understanding edge cases where performance degrades for very few users. **TP99.99 (ms)** : This measures the most rare and severe performance outliers, where just 0.01% of requests exceed this time. Monitoring this helps in addressing the rarest and most critical latency issues that may impact user experience in exceptional scenarios. > **Note** > Please note that this API call has an external dependency, as it dynamically fetches EMI plans configured at the respective PG's end. Therefore, the response time of this API request is dependent on the underlying PG's response time. | Transaction Percentile | Latency (ms) | |---|---| | TP50 (ms) | 114 | | TP90 (ms) | 666.85 | | TP99 (ms) | 2909.85 | | TP99.9 (ms) | 7548.14 | | Recommended Timeout(ms) | 8000 | > **Warning** > The recommended timeouts are based on TP99.9 data, though edge cases (0.01% of requests) may still exceed these limits and are captured in the TP99.99 data as shown below. > > > | Transaction Percentile | Latency (ms) | > |---|---| > | TP99.99 (ms) | 11424.28 | > | Recommended Timeout(ms) | 12000 | >