--- page_title: Description product: EMI page_source: https://juspay.io/in/docs/emi/docs/standard-emi-suite/description llms_txt: https://juspay.io/in/docs/llms.txt product_llms_txt: https://juspay.io/in/docs/emi/llms.txt --- # Standard EMI Suite #### **Feature specifications** * PA/PGs support EMI plans from a selected set of issuers * Merchants can source EMI plans from respective PA/PGs or directly from Banks/NBFCs * Your PA/PG needs to enable EMI support for your account for Juspay EMI feature to work * Please find below the list of **PA/PGs that support Credit Card EMI plans** . | Bank name | EMI Tenure (months) | Supported Gateways | |---|---|---| | HDFC Bank | 3, 6, 9, 12, 18, 24, 36 | Razorpay, PayU, Pinelabs, Paytm_V2, Gocashfree, Billdesk, Easebuzz | | CITI Bank | 3, 6, 9, 12, 18, 24 | Razorpay, PayU, Pinelabs, Paytm_V2, Gocashfree, Billdesk, Easebuzz | | ICICI Bank | 3, 6, 9, 12, 18, 24 | Razorpay, PayU, Pinelabs, Paytm_V2, Gocashfree, Billdesk, Easebuzz, CCAvenue | | State Bank of India | 3, 6, 9, 12 | Razorpay, PayU, Pinelabs, Paytm_V2, Gocashfree, Billdesk, CCAvenue, Easebuzz | | AXIS Bank | 3, 6, 9, 12, 18, 24 | Razorpay, PayU, Pinelabs, Paytm_V2, Gocashfree, Billdesk, CCAvenue, Easebuzz | | Standard Chartered Bank | 3, 6, 9, 12, 18, 24 | Razorpay, PayU, Pinelabs, Paytm_V2, Gocashfree, Billdesk, Easebuzz | | Kotak Bank | 3, 6, 9, 12, 18, 24 | Razorpay, PayU, Pinelabs, Paytm_V2, Gocashfree, Billdesk, CCAvenue, Easebuzz | | HSBC Bank | 3,6,9,12,18,24 | Razorpay, PayU, Pinelabs, Paytm_V2, Gocashfree, Billdesk, CCAvenue | | Bank Of Baroda | 3,6,9,12,18,24 | Razorpay, PayU, Pinelabs, Paytm_V2, Gocashfree, Billdesk | | AU Small Finance Bank | 3,6,9,12,18,24 | PayU, Paytm_V2, Gocashfree, | | AMEX | 3,6,9,12 | Razorpay, PayU, Pinelabs, Paytm_V2, Gocashfree, Billdesk, CCAvenue | | IndusInd Bank | 3,6,9,12,18,24 | Razorpay, PayU, Pinelabs, Paytm_V2, Gocashfree, Billdesk, CCAvenue | | IDFC Bank | 3,6,9,12,15,18,24,36 | PayU, Paytm_V2, Billdesk | | J&K Bank | 3,6,9,12 | Billdesk | | OneCard | 3,6,9,12,18,24 | Razorpay, PayU, Pinelabs, Paytm_V2 | | IDBI Bank | 3,6,9,12 | PayU, Paytm_V2, Billdesk | | Federal Bank | 3,6,9,12,18,24 | Razorpay, Gocashfree | | RBL Bank | 3,6,9,12,18,24 | Razorpay, PayU, Pinelabs, Paytm_V2, Gocashfree, Billdesk | | YES Bank | 3,6,9,12,18,24 | Razorpay, PayU, Pinelabs, Paytm_V2, Gocashfree, Billdesk | * Please find below the list of **PA/PGs that support Debit Card EMI plans** . | Bank name | EMI Tenure (months) | Supported Gateways | |---|---|---| | State Bank of India | 6, 9, 12, 18 | PayU, Billdesk | | Kotak Bank | 1, 2, 3, 6, 9, 12 | Razorpay, PayU, Pinelabs | | Federal Bank | 3, 6, 9, 12 | PayU | | Bank Of Baroda | 3, 6, 9, 12, 18 | Razorpay, PayU | | ICICI Bank | 3, 6, 9, 12 | PayU, Pinelabs, Paytm_V2 | | AXIS Bank | 3, 6, 9, 12, 18, 24 | PayU, Pinelabs | | HDFC Bank | 3, 6, 9, 12, 18 | Razorpay, PayU, Pinelabs, Paytm_V2, Billdesk | | BAJAJFINSERV | 3, 6, 9, 12 | Razorpay, PayU, BajajFinserv | * Please find below the list of **PA/PGs that support Cardless EMI plans** . | Bank name | EMI Tenure (months) | Supported Gateways | |---|---|---| | Kotak Bank | 3, 6, 9, 12, 18, 24, 36 | Easebuzz, ShopSe | | ICICI Bank | 3, 6, 9, 12, 18, 24, 36 | Easebuzz, ShopSe | | HDFC Bank | 3, 6, 9, 12, 18, 24, 36 | Easebuzz, ShopSe | * Please find below the list of **PA/PGs that support Other EMI plans** . ### **EMI Plan Configuration** With varied level of Integration, Juspay offers three different ways in which you can configure EMI plans on Juspay Dashboard for a selected PA/PG: * **Juspay <> Pinelabs** * With deep integration capabilities, Juspay fetches EMI plans in real time from PineLabs for a given account * Hence, you are not required to configure EMI plans in advance on Juspay Dashboard * EMI plans will be rendered on the payment page in real time by Juspay if you are using Juspay Hypercheckout (Payment Page) or the updated list of EMI plan will be shared with you through API if you are using Juspay ExpressCheckout SDK or Juspay ExpressCheckout APIs. * **Juspay <> PayU, Razorpay, CCAvenueV2** * Juspay is integrated with these PGs with capabilities to sync as and when required to get account details * Hence, when you configure these gateways on Juspay Dashboard, Juspay in turn checks with the gateways to fetch the payment methods and list of EMI plans configured enabled for your account. * You can enable the EMI plans as per business requirement from the list available * **Juspay <> Paytm (Paytm_v2) , Billdesk, TPSL, Easebuzz, Bajaj Finserv, Cashfree, ShopeSe & HDFC** * Manual configuration of EMI Plans is needed to be done on Juspay Dashboard by the merchant after procuring the EMI plan details from the PA/PG * Details required for configuration on Juspay dashboard: * Type of card (Credit | Debit | Cardless) * EMI type (Standard EMI) * Tenure * Min Order Amount * Max Order Amount * Processing fee (if any) * Annual Interest rate ### **EMI Plan Visibility on Payment page:** If you are using Juspay HyperCheckout (Payment Page), then EMI plans can be made visible to your users on all the following placeholders 1. **EMI Plans available for any Saved Cards** will be shown upfront. ![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/emi/Screenshot%202024-05-29%20at%202.25.14%E2%80%AFPM.png) 2. **EMI Payment option** can also be placed on the payment page to group visibility of all EMI plans in one place. ![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/emi/Screenshot%202024-05-29%20at%202.34.02%E2%80%AFPM.png) 3. **EMI plans** availability**** will also be shown**on the Add card screen** so that users can check for EMI option while making a payment through new cards. Once the user selects “View plans”, various EMI plans will be listed to the user. ![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/emi/Screenshot%202024-05-29%20at%203.22.21%E2%80%AFPM.png) 4. Once the an EMI plan is opted by the user, **complete EMI details** are shown to the user for complete transparency before proceeding to the bank page for OTP authentication. ![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/emi/Screenshot%202024-05-29%20at%202.41.09%E2%80%AFPM.png) ### Analytics You can use the Transaction Analytics Module in Juspay Dashboard to monitor the traffic and performance of EMI transactions. ### 🔘 Button: [Login to Integrate](https://portal.juspay.in/marketplace?id=c9da032c-589b-4f63-b1be-e82aa77f7147&name=Standard%20EMI%20Suite) --- ## See Also - [Overview](https://juspay.io/in/docs/emi/docs/standard-emi-suite/overview) - [Get Started](https://juspay.io/in/docs/emi/docs/standard-emi-suite/get-started)