--- page_title: Pinelabs Brand EMI product: EMI page_source: https://juspay.io/in/docs/emi/docs/brand-emi/pinelabs-brand-emi llms_txt: https://juspay.io/in/docs/llms.txt product_llms_txt: https://juspay.io/in/docs/emi/llms.txt --- # 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. > **Warning** > Brand EMI flow via Pinelabs does not applicable for merchants using Juspay Offer Engine ## Architecture Diagram ![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/emi/Screenshot%202024-11-29%20at%208.52.18%E2%80%AFAM.png) ## 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](https://portal.juspay.in/offers)→ Pinelabs Configuration * Ensure that Card Payment Method is enabled at “Payment method Configurations” under Pinelabs gateway --- ## Integration type : Juspay HyperCheckout (Payment Page) Signature ### Step 1.1. Pinelabs Gateway Configuration [Video](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/emi/Screen%20Recording%202024-11-29%20at%209.20.10%E2%80%AFAM.mov) ## Integration Changes and Workflow ### Substep **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](https://juspay.io/in/docs/emi/docs/standard-emi-suite/signature-process-payload) 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](https://juspay.io/in/docs/emi/docs/standard-emi-suite/imei-blocking) for IMEI blocking * During refunds, product ID and IMEI number details are mandatory to be passed to unblock the blocked IMEI product. * [Refund API](https://juspay.io/in/docs/emi/docs/standard-emi-suite/refund-order-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](https://juspay.io/in/docs/emi/docs/standard-emi-suite/pinelabs-brand-emi-order-status-response) 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](https://juspay.io/in/docs/emi/docs/standard-emi-suite/cug-testing-guide) **Sample Payloads, Order Status and Webhook:** #### Signature Payload Changes Code Snippet: ```signature payload changes { "payload": { "action": "paymentPage", "amount": "88648.0", "clientId": "test", "currentActivityId": "a1a5b55-d04a-4cb8-9bb0-fdd164678971", "customerEmail": "test@gmail.com", "customerId": "6d895624c36b6f86e4561ccdaff2322d", "customerMobile": "RIPPIFILTERED", "environment": "production", "merchantKeyId": "12323", "orderDetails": "{\"metadata.emi:gateway_data\":\"{\\\"PINELABS\\\":{\\\"productInfo\\\":[{\\\"product_id\\\":\\\"30191\\\",\\\"product_amount\\\":\\\"88648.0\\\"}]}}\",\"metadata.webhook_url\":\"https://api.com/useraccount/responsefromjuspay\",\"order_id\":\"123test\",\"first_name\":\"John\",\"last_name\":\"Wick\",\"isCartPODEligible\":false,\"metadata.apply_offer\":\"false\",\"amount\":\"88648.0\",\"customer_id\":\"6d895624c36b6f86e4561ccdaff2322d\",\"merchant_id\":\"Merchant\",\"email_address\":\"test@gmail.com\",\"mobile_number\":\"9876543210\",\"return_url\":\"https://www.google.com/order-confirmation\",\"timestamp\":\"1732603927962\",\"basket\":\"[{\\\"id\\\":\\\"30191\\\",\\\"quantity\\\":1,\\\"unitPrice\\\":88648.0,\\\"productName\\\":\\\"iphone\\\"}]\",\"currency\":\"INR\",\"payment_filter\":{\"allowDefaultOptions\":false,\"options\":[{\"enable\":true,\"paymentMethodType\":\"NB\"},{\"enable\":true,\"paymentMethodType\":\"TATAPAY\"},{\"enable\":true,\"paymentMethodType\":\"UPI\"},{\"enable\":true,\"paymentMethodType\":\"CREDITLINE\"},{\"enable\":true,\"paymentMethodType\":\"CARD\"}],\"emiOptions\":{\"standardEmi\":{\"enable\":true,\"credit\":{\"enable\":true},\"debit\":{\"enable\":false}},\"lowCostEmi\":{\"enable\":true,\"credit\":{\"enable\":true},\"debit\":{\"enable\":false}},\"noCostEmi\":{\"enable\":true,\"credit\":{\"enable\":true},\"debit\":{\"enable\":false}},\"showOnlyEmi\":false}},\"udf1\":\"636003|45/15, Gundu Pillaiyar Koil street,Ammapet, Salem,SALEM,TAMIL NADU\",\"udf2\":\"636003|45/15, Gundu Pillaiyar Koil street,Ammapet, Salem,SALEM,TAMIL NADU\",\"udf3\":\"308191\",\"udf6\":\"STAR\",\"udf8\":\"V2\"}", "orderId": "123test", "processStartedTime": 1604738588018, "signature": "signaturekey" }, "requestId": "1112345575790-0088665", "service": "in.juspay.hyperpay", } ``` #### IMEI Blocking - Request Code Snippet: ```imei blocking - request curl --location --request POST 'https://api.juspay.in/orders/123test/fulfillment' \ --header 'Authorization: Basic base_64_encoded_api_key==' \ --header 'x-merchantid: Merchant' \ --header 'Content-Type: application/json' \ --data-raw '{ "fulfillment_status": "SUCCESS", "fulfillment_command": "BLOCK_IMEI", "product_details": [ { "product_id": "30191", "imei_details": [ { "imei_no": "351204850035422" } ] } ] }' ``` #### IMEI Blocking - Response Code Snippet: ```imei blocking - response { "status": "SUCCESS", "product_details": [ { "imei_details": [ { "state_code": null, "dealer_code": null, "imei_no": "351204850035422", "imei_status": "ERROR", "model_number": null, "err_code": "-116", "err_msg": "EITHER NO_PRODUCT IS ELIGIBLE FOR IMEI OPERATION OR IMEI OPERATION IS NOT SUCESSFULL FOR ANY PRODUCT" } ], "product_id": "30191" } ], "merchant_id": "Merchant", "order_id": "123test", "commands": [ { "error_message": "", "status": "SUCCESS", "date_created": "2024-11-25T14:09:03Z", "command": "BLOCK_IMEI" } ] } ``` #### IMEI Unblock - Request Code Snippet: ```imei unblock - request 404: Not Found ``` #### Order Status Response Code Snippet: ```order status response { "customer_email": null, "customer_phone": "9876543210", "customer_id": "MzbbEzMDkyNzkzNw==", "status_id": 21, "status": "CHARGED", "id": "ordeh_220h74053e80839096bf1d9e58d9f6b0", "merchant_id": "Merchant", "amount": 32996, "currency": "INR", "order_id": "6473eaec57f56362a73", "date_created": "2024-11-25T09:57:04Z", "last_updated": "2024-11-25T11:03:13Z", "return_url": "http://www.google.com/payment_complete/", "product_id": "", "payment_links": { "iframe": "https://payments.juspay.in/payment-page/order/ordeh_2207n4053e80839096bf1d9e58d9f6b0", "mobile": "https://payments.juspay.in/payment-page/order/ordeh_2207n4053e80839096bf1d9e58d9f6b0", "web": "https://payments.juspay.in/payment-page/order/ordeh_2207n4053e80839096bf1d9e58d9f6b0" }, "udf1": "", "udf2": "", "udf3": "", "udf4": "1", "udf5": "", "udf6": "", "udf7": "", "udf8": "", "udf9": "", "udf10": "", "txn_id": "6473eaec57f56362a73", "payment_method_type": "CARD", "auth_type": "THREE_DS", "card": { "expiry_year": "2022", "card_reference": "", "saved_to_locker": false, "expiry_month": "07", "name_on_card": "name", "card_issuer": "ICICI Bank", "last_four_digits": "0006", "using_saved_card": false, "card_fingerprint": "bbb", "card_isin": "524193", "card_type": "CREDIT", "card_brand": "MASTERCARD", "using_token": false, "tokens": [], "token_type": "CARD", "card_issuer_country": "INDIA", "juspay_bank_code": "JP_ICICI", "extended_card_type": "CREDIT", "payment_account_reference": "bbbb" }, "payment_method": "MASTERCARD", "refunded": false, "amount_refunded": 28645.58, "effective_amount": 32996, "refunds": [ { "id": "465522128", "amount": 28645.58, "unique_request_id": "o-9a895936eb154fd4b4", "ref": "0", "created": "2024-11-25T10:01:30Z", "last_updated": "2024-11-25T11:03:12Z", "status": "SUCCESS", "error_message": "SUCCESS", "sent_to_gateway": true, "initiated_by": "API", "reversal_type": "SETTLED" } ], "resp_code": "TXN_SUCCESS", "resp_message": "Transaction is successful", "bank_error_code": "", "bank_error_message": "", "txn_uuid": "moz3L8UgUEdXEMArjW", "txn_detail": { "txn_id": "6473eaec517f56362a73", "order_id": "6473eaec517f56362a73", "status": "CHARGED", "error_code": null, "net_amount": 32996, "surcharge_amount": null, "tax_amount": null, "txn_amount": 32996, "offer_deduction_amount": null, "gateway_id": 74, "currency": "INR", "metadata": { "payment_channel": "IOS" }, "express_checkout": false, "redirect": true, "txn_uuid": "moz3L8UgUEduXEMArjW", "gateway": "PINELABS", "response_code": "TXN_SUCCESS", "response_message": "Transaction is successful", "error_message": "", "created": "2024-11-25T09:57:04Z", "last_updated": "2024-11-25T09:57:38Z", "txn_flow_type": "EMI", "txn_amount_breakup": [ { "name": "BASE", "amount": 32996, "sno": 1, "method": "ADD" } ] }, "payment_gateway_response": { "resp_code": "1", "rrn": "433009213581", "created": "2024-11-25T09:57:24Z", "epg_txn_id": "465488230", "resp_message": "SUCCESS", "auth_id_code": "754467", "txn_id": "6473eaec517f56362a73", "gateway_response": { "ppc_AcquirerName": "Cyber_Source_AXIS", "ppc_Amount": "3299600", "ppc_AuthCode": "754467", "ppc_CapturedAmount": "2864558", "ppc_CardHolderName": "name", "ppc_DIA_SECRET": "AEBCAF419B7A17209FA533906A04316B14D49EC9382B2D349DDDA17F04D4B01", "ppc_DIA_SECRET_TYPE": "SHA256", "ppc_EMIAmountPayableEachMonth": "499937", "ppc_EMICashBackType": "0", "ppc_EMIInterestRatePercent": "15.99", "ppc_EMIPrincipalAmount": "2864558", "ppc_EMITenureMonth": "6", "ppc_Is_BankEMITransaction": "1", "ppc_MaskedCardNumber": "************0006", "ppc_MerchantAccessCode": "d8acb03d-f920-4d59-a52a-846573a5964a", "ppc_MerchantID": "326900", "ppc_ParentTxnResponseCode": "1", "ppc_ParentTxnResponseMessage": "SUCCESS", "ppc_Parent_TxnStatus": "4", "ppc_PaymentMode": "4", "ppc_PinePGTransactionID": "465488230", "ppc_PinePGTxnStatus": "7", "ppc_RRN": "433009213581", "ppc_RefundedAmount": "0", "ppc_TransactionCompletionDateTime": "25/11/2024 03:27:37 PM", "ppc_TxnAdditionalInfo": "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", "ppc_TxnResponseCode": "1", "ppc_TxnResponseMessage": "SUCCESS", "ppc_UniqueMerchantTxnID": "6473eaec517f56362a73" }, "debit_amount": 28645.58, "network_error_message": null, "network_error_code": null, "arn": null, "gateway_merchant_id": null, "eci": null, "auth_ref_num": null }, "gateway_id": 74, "emi_bank": "ICICI", "emi_details": { "additional_processing_fee_info": null, "bank": "ICICI", "emi_type": "NO_COST_EMI", "interest": { "amount": "1350.66", "rate": 15.99, "tax": null }, "monthly_payment": "4999.37", "principal_amount": "28645.58", "tenure": { "duration": 6, "unit": "months" } }, "emi_tenure": 6, "emi_type": "NO_COST_EMI", "gateway_reference_id": "bbnow_b2c_electronics_pay_now_forget_voucher", "offers": [], "maximum_eligible_refund_amount": 4350.42, "basket": [ { "cashbackAmount": null, "category": null, "customParams": null, "description": null, "discountAmount": null, "emiCashbackAmount": null, "emiDiscountAmount": null, "id": "charges", "imeiDetails": null, "passenger": null, "productCode": null, "productName": null, "productRisk": null, "productUrl": null, "quantity": 1, "sellerType": null, "settlementSplitInfo": null, "shippingDestinationType": null, "sku": null, "unitPrice": 6 }, { "cashbackAmount": null, "discountAmount": “556.88”, "emiCashbackAmount": null, "emiDiscountAmount": “2578.88”, "id": "40329866", "imeiDetails": [ { "dealerCode": null, "errorCode": null, "errorMsg": null, "imeiCode": "351204850035422", "imeiStatus": "BLOCKED", "modelNumber": null, "stateCode": "" } ], "quantity": 1, "unitPrice": 32990 } ], "resp_category": null } ``` --- ## See Also - [Pinelabs Brand EMI](https://juspay.io/in/docs/emi/docs/standard-emi-suite/pinelabs-brand-emi)