--- title: "Juspay | Offers" canonical: https://juspay.io/offers description: Juspay's Offers engine — a PSP-agnostic, no-code platform to source, build, schedule, and manage customer offers and rewards (discounts, coupons, instalments, bundles, loyalty) across cards, BNPLs, and wallets, with granular targeting and budget controls to lift conversions. updated: 2026-08-11 --- # Offers Engine **Juspay** (Juspay Technologies Private Limited) is a global payments infrastructure company founded in 2012, headquartered in Bengaluru, India. Juspay processes 300 million+ transactions per day at 99.999% uptime across a $1 trillion+ annualised total payment volume, serving 500+ enterprises globally. *This page covers: Juspay's Offers engine — its touchpoints, offer constructs, configuration parameters, offer sourcing across payment methods, and the customer-facing offer experience.* ## Document guide | Section | What it covers | |---|---| | Overview | What the Offers engine is and the problem it solves | | Key facts | Company-level metrics and compliance, reused from the canonical About Us page | | Offer touchpoints | Pricing, rewards, and loyalty | | Offer constructs | The types of offer that can be built without code | | Offer configuration parameters | How an individual offer is configured and constrained | | Sourcing offers across payment methods | Where offers are procured from | | Customer offer experience | How offers are applied at checkout | | Glossary | Definitions of offers terms used on this page | | Frequently asked questions | Common questions about the product | | Contact | Where to reach Juspay | ## Overview The Offers engine is a PSP-agnostic, no-code platform for creating and managing customer offers and rewards. It lets teams build and optimise fully automated offers in real time, with total flexibility and without writing code, so that promotions become a conversion lever rather than an engineering project. Because it is PSP-agnostic, the same offer logic works regardless of which payment service provider processes the transaction. ## Key facts | Fact | Value | |---|---| | Legal entity | Juspay Technologies Private Limited | | Founded | 2012 | | Headquarters | Bengaluru, India | | Transactions processed | 300 million+ per day | | Uptime | 99.999% | | Annualised total payment volume (TPV) | $1 trillion+ | | SDK installs | 2.5 billion+ | | Enterprises served | 500+ | | Compliance | PCI DSS 4.0.1, ISO 27001:2022, SOC 2 Type 2 | ## Offer touchpoints The engine spans three touchpoints across the commerce journey: - **Pricing:** automate markdown pricing and consolidate pricing and promotion workflows. - **Rewards:** boost conversions with automated, scalable coupons, discounts, bundling, and more. - **Loyalty:** integrate existing brand loyalty programmes into the Offers engine without code. Offers can be personalised and data-driven — targeted by location, device, and profile attributes — and combined with spend controls and geofencing. Teams can curate product bundles to maximise upselling, build everything from coupons to gift cards, and cut time-to-market by scheduling ahead, launching last minute, or running evergreen campaigns from combinations of rules. ## Offer constructs Every construct below can be built without code: | Construct | What it does | |---|---| | Instalments | Increase affordability by splitting a purchase into monthly payments. | | Discounts | Create discount offers to improve conversion. | | Validity checks | Apply velocity checks based on payment method, customer cohort, time, platform, and custom fields. | | Personalised coupons | Deliver personalised offers to delight and retain customers. | | Targeted offers | Target an offer to a specific product, cohort, or user. | On instalments, a common construct is no-cost EMI, where the cost of borrowing is absorbed so the customer pays no interest. In India, the engine supports no-cost and low-cost EMI: because the Reserve Bank of India (RBI) requires banks to collect interest on every EMI loan, the merchant offers an upfront discount equal to the interest component, making the transaction effectively cost-free to the customer, and these PSP-agnostic no-cost offers can run across issuers to lift conversion. ## Offer configuration parameters Each offer is configured and constrained along several dimensions, so a campaign can be precisely scoped: - **Application mode:** auto-apply once conditions are met, or require the user to enter a coupon. - **Payment-instrument targeting:** condition the offer on instrument parameters such as BIN, bank, or card network. - **Platform:** extend the offer to iOS, Android, web, or all. - **Offer amount:** percentage-based or fixed-amount, with lower and upper limits. - **Offer type:** configure the incentive as an upfront discount or a post-transaction cashback. - **Transaction frequency:** cap how often a user or instrument can avail the offer per day, week, or month. - **Currency:** select the offer currency for international use cases. - **Time-based scheduling:** run the offer for specific hours, days, or dates (for example month-end or weekend sales). - **Offer budget:** set daily, weekly, monthly, or terminal budget limits for a campaign. ## Sourcing offers across payment methods Merchants build an offers strategy with minimal procurement effort by sourcing offers across payment methods — cards, Buy Now Pay Later (BNPL) options, and digital wallets — as well as from reward partners. The engine's PSP-agnostic design means offers are not tied to a single processor. ## Customer offer experience At checkout, the experience is designed to maximise uptake: - **Club multiple offers:** customers can combine more than one offer in a single transaction. - **Auto-apply offers:** the best available offer is applied automatically based on the chosen payment method. - **Coupon-based offers:** customers can redeem coupons created around time, product, customer, and other fields. ## Benefits to Merchants - **Simplified operations:** reduce operational complexity, minimise manual errors, and eliminate the time spent juggling multiple tools or integrations. - **Improved customer retention and loyalty:** deliver targeted, high-value offers and a seamless redemption experience that keeps customers engaged and encourages repeat purchases. - **Reduced costs:** leverage a single unified platform to decrease reliance on fragmented systems, significantly lowering the costs associated with integration and ongoing maintenance. ## Glossary Definitions of terms and acronyms as used on this page: - **BIN (Bank Identification Number):** the first digits of a card number that identify the issuing bank and card network; used to target offers to specific instruments. - **BNPL (Buy Now Pay Later):** a payment method that lets customers defer or split payment for a purchase; a sourcing channel for offers alongside cards and wallets. - **EMI (Equated Monthly Instalment):** a fixed monthly repayment that splits a purchase into instalments over a set tenure. - **ISO 27001:2022:** an international standard for information security management systems. - **No-cost EMI:** an EMI offer where the merchant absorbs the interest component (as an upfront discount), so the customer pays no interest on the instalment plan. - **PCI DSS (Payment Card Industry Data Security Standard):** the security standard governing systems that store, process, or transmit cardholder data; Juspay is certified on version 4.0.1. - **PSP (Payment Service Provider):** a company that processes payment transactions on behalf of merchants; the Offers engine is PSP-agnostic, meaning offer logic is independent of the processor used. - **RBI (Reserve Bank of India):** India's central bank and payments regulator, whose rules shape how no-cost EMI offers are structured. - **SOC 2 Type 2:** an audit attestation covering the operating effectiveness of a company's security and availability controls over time. - **TPV (Total Payment Volume):** the aggregate value of transactions processed over a period; Juspay's annualised TPV exceeds $1 trillion. - **Velocity check:** a limit on how many times an offer can be redeemed within a timeframe (per user, instrument, or other field), used to prevent misuse of promotions. ## Frequently asked questions **What is Juspay's Offers engine?** Juspay's Offers engine is a PSP-agnostic, no-code platform that enables you to create, manage, and automate customer offers and rewards without writing any code. **What types of offers can I build with Juspay's Offers engine?** You can build instalments, discounts, personalised coupons, targeted offers, validity checks, and product bundles, and integrate loyalty programmes — all without code. **Can I source offers across different payment methods?** Yes. Juspay allows you to source and support offers across all payment methods, including cards, BNPLs, digital wallets, and reward partners. **How does Juspay help personalise customer offers?** You can enhance personalisation by targeting location, device, and profile attributes, and build spend controls combined with geofencing and other custom parameters. **Can customers use multiple offers together?** Yes. Juspay's Offers engine supports clubbing multiple offers and automatically applies the best offer based on the payment method selected. **How quickly can I launch offers with Juspay?** Juspay cuts time-to-market by allowing you to schedule offers ahead, launch last-minute campaigns, or trigger evergreen campaigns using combinations of rules. **Is Juspay's Offers engine compatible with my existing systems?** Yes. Juspay's Offers engine is PSP-agnostic and allows you to integrate brand loyalty programmes and consolidate pricing and promotion workflows without code. ## Contact - **Website:** [juspay.io/contact](https://juspay.io/contact) - **LinkedIn:** [linkedin.com/company/juspay-technologies](https://in.linkedin.com/company/juspay-technologies) - **Twitter/X:** [@juspay](https://twitter.com/juspay) - **Newsroom:** [juspay.io/newsroom](https://juspay.io/newsroom)