Pinelabs Brand EMI

What is Brand EMI?

Brand EMI refers to a type of Equated Monthly Installment (EMI) payment plan that is offered in collaboration with specific brands or manufacturers. It allows customers to purchase products from those brands and pay for them in installments, often with special benefits such as:

• No-Cost EMI: The brand absorbs the interest cost, so the customer only pays the principal amount in installments.

• Exclusive Offers: Discounts, cashback, or other incentives provided by the brand for using Brand EMI.

• Brand-Specific Tie-ups: EMI options that are only available for products of a particular brand, supported by partnered financial institutions or payment platforms.

This type of EMI is typically promoted during sales, seasonal offers, or product launches to encourage purchases and make high-value items more affordable. For example, a smartphone brand might offer Brand EMI options in collaboration with Pinelabs or a financial partner to drive sales.

Introduction

In a multi-cart order scenario, users can add various products to their cart, each supporting different EMI (Equated Monthly Installment) options such as No-Cost EMI, Standard EMI, or EMI cashback. This presents a unique challenge, requiring the payment process to seamlessly manage multiple EMI types within a single transaction.

Pinelabs plays a crucial role in efficiently handling Brand EMI for multi-cart orders, ensuring a smooth and unified payment experience.

Architecture Diagram

Pre-Requisites

• Enable the multi-cart feature for your account with Pinelabs.

• Set up SKUs for the multi-cart flow on the Pinelabs platform.

Dashboard Configuration

• Configure Pinelabs gateway under PG Control Centre section on the Juspay dashboard.

  Login to Juspay Dashboard > Navigate to Payments > PG Control Centre > Select gateway > Select “Pinelabs”

  Login to Offers Dashboard → Pinelabs Configuration

• Ensure that Card Payment Method is enabled at “Payment method Configurations” under Pinelabs gateway

Pinelabs Gateway Configuration

Integration Changes and Workflow

Integration Changes:

• Pass the basket information in the order_details payload

• Once the order status and webhooks details are received, update the status at your end

• Only for IMEI products call the fulfillment API to block the product with product ID and IMEI number details

• During refunds, product ID and IMEI number details are mandatory to be passed to unblock the blocked IMEI product.

Work Flow:

• Configure Pinelabs gateway on Juspay dashboard.

• Merchant pass the basket details which contains the multi-card product details (product ID, quantity, product price/amount) in the Juspay request payload.

  • Refer here for the documentation

• Juspay payment page will be displayed to the user with the EMI plans provided by Pinelabs. Once the user selects the EMI plans, the transaction will be forwards to the Pinelabs gateway.

• Once the user proceeds with the transaction and is successful, Juspay will send the “emi_details” & “basket” informations in order status response.

• Only for IMEI products, call the fulfillment API to block the product with product ID and IMEI number details

  • Fulfillment API for IMEI blocking

• During refunds, product ID and IMEI number details are mandatory to be passed to unblock the blocked IMEI product.

  • Refund API to unblock the blocked IMEI product

• Once Transaction-1 is completed, the Order Status API will provide transaction status details for both Transaction-1 and Transaction-2.

  • Additionally, the IMEI blocking and unblocking status will also be included in the Order Status API response.

  • Refer here for Order Status API documentation.

Note

• During UAT testing, test Pinelabs brand EMI flow on CUG using your app/website pointed to Juspay Sandbox.

  • CUG testing guide: Link

Sample Payloads, Order Status and Webhook: