> ## Documentation Index
> Fetch the complete documentation index at: https://www.cashfree.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Paylater and Cardless EMIs

> Offer pay-later and cardless EMI options at Cashfree checkout, including LazyPay, Simpl, and EMI partners, to improve affordability and lift order conversion.

Cashfree supports payment options with EMI and Pay Later methods. Seamlessly integrate Cashfree's platform to offer a range of credit and debit card EMIs, along with diverse Pay Later providers, enhancing the checkout experience.

### Credit card EMI

Cashfree supports Credit Card EMI payment method. You can use different EMI providers on our platform. Below is a list of supported providers and their payment codes for a seamless flow. If you are using a Cashfree hosted integration, we will automatically show all these options to eligible users on the checkout page.

Here is a sample of the request that you need to send to `/orders/sessions` to process a seamless EMI payment. Read more about the [Pay API](/api-reference/payments/latest/payments/pay).

```javascript theme={"dark"}

{	      "payment_session_id":"session_mdCizuqcgJWbIhdJ4rjONvpCB1B31muN7Tev9p2kdlEQpj9mem5yF5gbUju4kdgN6-31FJnGK3yaEcqG0GZUsrbzOLDFPfA30iYduwiNmBk",
"payment_method" : {
		"emi": {
			"channel": "link",
			"card_number": "4111111111111111",
			"card_expiry_mm": "12",
			"card_expiry_yy": "22",
			"card_cvv": "123",
			"card_bank_name": "hdfc",
			"emi_tenure": 3
		}
	}
}

```

We support varying tenures for each of these: 3, 6, 9, 12, 14, 18, 24, 36 depending on the issuing bank.

<Accordion title="The following card issuers are supported for card-based EMIs.">
  Please send the exact values in the `card_bank_name` parameter. We support varying tenures for each of these: 3, 6, 9, 12, 14, 18, 24, 36 depending on the issuing bank.

  ### Credit card EMI plans

  | Card type | Type of EMI | Bank               | card\_bank\_name   | Minimum amount | Maximum amount | Annual interest rate | Tenure |
  | --------- | ----------- | ------------------ | ------------------ | -------------- | -------------- | -------------------- | ------ |
  | Credit    | Standard    | HDFC Bank          | hdfc               | 1000           | 500000         | 16                   | 3      |
  | Credit    | Standard    | HDFC Bank          | hdfc               | 3000           | 500000         | 16                   | 6      |
  | Credit    | Standard    | HDFC Bank          | hdfc               | 3000           | 500000         | 16                   | 9      |
  | Credit    | Standard    | HDFC Bank          | hdfc               | 3000           | 500000         | 16                   | 12     |
  | Credit    | Standard    | Axis Bank          | axis               | 2500           | 1000000        | 16                   | 3      |
  | Credit    | Standard    | Axis Bank          | axis               | 2500           | 1000000        | 16                   | 6      |
  | Credit    | Standard    | Axis Bank          | axis               | 2500           | 1000000        | 16                   | 9      |
  | Credit    | Standard    | Axis Bank          | axis               | 2500           | 1000000        | 16                   | 12     |
  | Credit    | Standard    | Axis Bank          | axis               | 2500           | 1000000        | 16                   | 18     |
  | Credit    | Standard    | Axis Bank          | axis               | 2500           | 1000000        | 16                   | 24     |
  | Credit    | Standard    | ICICI Bank         | icici              | 1500           | 500000         | 15.99                | 3      |
  | Credit    | Standard    | ICICI Bank         | icici              | 1500           | 500000         | 15.99                | 6      |
  | Credit    | Standard    | ICICI Bank         | icici              | 1500           | 500000         | 15.99                | 9      |
  | Credit    | Standard    | ICICI Bank         | icici              | 1500           | 500000         | 15.99                | 12     |
  | Credit    | Standard    | ICICI Bank         | icici              | 1500           | 500000         | 15.99                | 18     |
  | Credit    | Standard    | ICICI Bank         | icici              | 1500           | 500000         | 15.99                | 24     |
  | Credit    | Standard    | Kotak Bank         | kotak              | 1000           | 1000000        | 16                   | 3      |
  | Credit    | Standard    | Kotak Bank         | kotak              | 2500           | 1000000        | 16                   | 6      |
  | Credit    | Standard    | Kotak Bank         | kotak              | 2500           | 1000000        | 16                   | 9      |
  | Credit    | Standard    | Kotak Bank         | kotak              | 2500           | 1000000        | 16                   | 12     |
  | Credit    | Standard    | Kotak Bank         | kotak              | 2500           | 1000000        | 16                   | 18     |
  | Credit    | Standard    | Kotak Bank         | kotak              | 2500           | 1000000        | 16                   | 24     |
  | Credit    | Standard    | Bank of Baroda     | bob                | 2500           | 1000000        | 16                   | 3      |
  | Credit    | Standard    | Bank of Baroda     | bob                | 2500           | 1000000        | 16                   | 6      |
  | Credit    | Standard    | Bank of Baroda     | bob                | 2500           | 1000000        | 16                   | 9      |
  | Credit    | Standard    | Bank of Baroda     | bob                | 2500           | 1000000        | 16                   | 12     |
  | Credit    | Standard    | Bank of Baroda     | bob                | 2500           | 1000000        | 16                   | 18     |
  | Credit    | Standard    | Bank of Baroda     | bob                | 2500           | 1000000        | 16                   | 24     |
  | Credit    | Standard    | Bank of Baroda     | bob                | 2500           | 1000000        | 16                   | 36     |
  | Credit    | Standard    | Standard Chartered | standard chartered | 2000           | 500000         | 11.88                | 3      |
  | Credit    | Standard    | Standard Chartered | standard chartered | 2000           | 500000         | 14                   | 6      |
  | Credit    | Standard    | Standard Chartered | standard chartered | 2000           | 500000         | 15                   | 9      |
  | Credit    | Standard    | Standard Chartered | standard chartered | 2000           | 500000         | 15                   | 12     |
  | Credit    | Standard    | Standard Chartered | standard chartered | 2000           | 500000         | 15                   | 18     |
  | Credit    | Standard    | Standard Chartered | standard chartered | 2000           | 500000         | 15                   | 24     |
  | Credit    | Standard    | RBL Bank           | rbl                | 1500           | 1000000        | 13                   | 3      |
  | Credit    | Standard    | RBL Bank           | rbl                | 1500           | 1000000        | 14                   | 6      |
  | Credit    | Standard    | RBL Bank           | rbl                | 1500           | 1000000        | 15                   | 9      |
  | Credit    | Standard    | RBL Bank           | rbl                | 1500           | 1000000        | 15                   | 12     |
  | Credit    | Standard    | RBL Bank           | rbl                | 1500           | 1000000        | 15                   | 18     |
  | Credit    | Standard    | RBL Bank           | rbl                | 1500           | 1000000        | 15                   | 24     |
  | Credit    | Standard    | AU Small Bank      | au                 | 2000           | 1000000        | 16                   | 3      |
  | Credit    | Standard    | AU Small Bank      | au                 | 2000           | 1000000        | 16                   | 6      |
  | Credit    | Standard    | AU Small Bank      | au                 | 2000           | 1000000        | 16                   | 9      |
  | Credit    | Standard    | AU Small Bank      | au                 | 2000           | 1000000        | 16                   | 12     |
  | Credit    | Standard    | AU Small Bank      | au                 | 2000           | 1000000        | 16                   | 18     |
  | Credit    | Standard    | AU Small Bank      | au                 | 2000           | 1000000        | 16                   | 24     |
  | Credit    | Standard    | Yes Bank           | yes                | 1500           | 1000000        | 16                   | 3      |
  | Credit    | Standard    | Yes Bank           | yes                | 1500           | 1000000        | 16                   | 6      |
  | Credit    | Standard    | Yes Bank           | yes                | 1500           | 1000000        | 16                   | 9      |
  | Credit    | Standard    | Yes Bank           | yes                | 1500           | 1000000        | 16                   | 12     |
  | Credit    | Standard    | Yes Bank           | yes                | 1500           | 1000000        | 16                   | 18     |
  | Credit    | Standard    | Yes Bank           | yes                | 1500           | 1000000        | 16                   | 24     |
  | Credit    | Standard    | HSBC               | hsbc               | 2000           | 1000000        | 12.5                 | 3      |
  | Credit    | Standard    | HSBC               | hsbc               | 2000           | 1000000        | 12.5                 | 6      |
  | Credit    | Standard    | HSBC               | hsbc               | 2000           | 1000000        | 13.5                 | 9      |
  | Credit    | Standard    | HSBC               | hsbc               | 2000           | 1000000        | 13.5                 | 12     |
  | Credit    | Standard    | American Express   | amex               | 5000           | 1000000        | 14                   | 3      |
  | Credit    | Standard    | American Express   | amex               | 5000           | 1000000        | 14                   | 6      |
  | Credit    | Standard    | American Express   | amex               | 5000           | 1000000        | 14                   | 9      |
  | Credit    | Standard    | American Express   | amex               | 5000           | 1000000        | 14                   | 12     |
  | Credit    | Standard    | American Express   | amex               | 5000           | 1000000        | 15                   | 18     |
  | Credit    | Standard    | American Express   | amex               | 5000           | 1000000        | 15                   | 24     |
</Accordion>

### Debit card EMI

Cashfree Payments supports HDFC Bank Debit Card EMI payment method. This option is available to customers who are pre-approved by this issuing bank.

Here is a sample of the request that you need to send to `/orders/sessions` to process a seamless EMI payment. Read more about the [Pay API](/api-reference/payments/latest/payments/pay). In case of a native OTP flow, Cashfree provides a [submit OTP API](/api-reference/payments/latest/payments/authenticate) which needs to be integrated on your checkout page.

<CodeGroup>
  ```Text Request theme={"dark"}
  {
       "payment_method": {
            "emi": {
                 "channel": "post",
                 "card_number": "4280901212123121",
                 "card_holder_name": "Tushar Gupta",
                 "card_expiry_mm": "09",
                 "card_expiry_yy": "23",
                 "card_cvv": "900",
                 "emi_tenure": 12,
                 "card_bank_name": "hdfc",
                 "phone": 8714268343
            }
       },
      "payment_session_id": "session__CvcEmNKDkmERQrxnx39ibhJ3Ii034pjc8ZVxf3qcgEXCWlgDDlHRgz2XYZCqpajDQSXMMtCusPgOIxYP2LZx0-05p39gC2Vgmq1RAj--gcn"
  }
  ```

  ```Text Response (Native OTP) theme={"dark"}
  {
      "action": "post",
      "cf_payment_id": 1491777871,
      "channel": "link",
      "data": {
          "url": "https://sandbox.cashfree.com/pg/orders/pay/authenticate/1491777871",
          "payload": null,
          "content_type": "application/json",
          "method": "post"
      },
      "payment_amount": 6000.00,
      "payment_method": "emi"
  }
  ```

  ```Text Submit OTP Request theme={"dark"}
  curl --request POST \
       --url https://sandbox.cashfree.com/pg/orders/pay/authenticate/1111111 \
       --header 'accept: application/json' \
       --header 'content-type: application/json' \
       --header 'x-api-version: 2022-09-01' \
       --data '
  {
    "action": "SUBMIT_OTP",
    "otp": "1234"
  }
  '
  ```
</CodeGroup>

<Accordion title="The following 1 card issuer is supported for card-based EMIs. ">
  Please send the exact values in the `card_bank_name` parameter.

  | Bank name | Native OTP |
  | :-------- | :--------- |
  | HDFC Bank | Yes        |

  ### Debit card EMI plans

  | Card type | Type of EMI | Bank      | card\_bank\_name | Minimum amount | Maximum amount | Annual interest rate | Tenure |
  | --------- | ----------- | --------- | ---------------- | -------------- | -------------- | -------------------- | ------ |
  | Debit     | Standard    | HDFC Bank | hdfc             | 3000           | 500000         | 16                   | 3      |
  | Debit     | Standard    | HDFC Bank | hdfc             | 5000           | 500000         | 16                   | 6      |
  | Debit     | Standard    | HDFC Bank | hdfc             | 5000           | 500000         | 16                   | 9      |
  | Debit     | Standard    | HDFC Bank | hdfc             | 5000           | 500000         | 16                   | 12     |
  | Debit     | Standard    | HDFC Bank | hdfc             | 5000           | 500000         | 16                   | 18     |
  | Debit     | Standard    | HDFC Bank | hdfc             | 5000           | 500000         | 16                   | 24     |
</Accordion>

### Cardless EMI plans

Your customers can pay using non-card-based EMI providers. A sample request is provided for reference.

The available providers include FlexMoney, which offers cardless EMI from HDFC Bank, ICICI Bank, IDFC Bank, TVS Credit, and CASHe.

```javascript Request theme={"dark"}
curl --request POST \
     --url https://api.cashfree.com/pg/orders/sessions \
     --header 'Accept: application/json' \
     --header 'Content-Type: application/json' \
     --data '
{
     "payment_method": {
          "cardless_emi": {
               "channel": "link",
               "provider": "flexmoney",
               "phone": "77891212345"
          }
     },
     "payment_session_id": "session_mdCizuqcgJWbIhdJ4rjON-vpCB1B31muN7Tev9p2kdlEQpj9mem5yF5gbUju4kdgN6-31FJnGK3yaEcqG0GZUsrbzOLDFPfA30iYduwiNmBk"
}
```

**Provider details**

Provider parameter: flexmoney
Provider name: FlexMoney (powers cardless EMI from HDFC Bank, ICICI Bank, IDFC Bank, CASHe, TVS Credit)
Minimum amount: 500 onwards

<Accordion title="Cardless EMI Plans">
  | Card type | Type of EMI | Bank       | provider | Minimum amount | Maximum amount | Annual interest rate | Tenure |
  | --------- | ----------- | ---------- | -------- | -------------- | -------------- | -------------------- | ------ |
  | Cardless  | Standard    | HDFC Bank  | hdfc     | 3000           | 500000         | 16                   | 3      |
  | Cardless  | Standard    | HDFC Bank  | hdfc     | 5000           | 500000         | 16                   | 6      |
  | Cardless  | Standard    | HDFC Bank  | hdfc     | 5000           | 500000         | 16                   | 9      |
  | Cardless  | Standard    | HDFC Bank  | hdfc     | 5000           | 500000         | 16                   | 12     |
  | Cardless  | Standard    | HDFC Bank  | hdfc     | 5000           | 500000         | 16                   | 18     |
  | Cardless  | Standard    | HDFC Bank  | hdfc     | 5000           | 500000         | 16                   | 24     |
  | Cardless  | Standard    | ICICI Bank | icici    | 7000           | 500000         | 17                   | 3      |
  | Cardless  | Standard    | ICICI Bank | icici    | 7000           | 500000         | 17                   | 6      |
  | Cardless  | Standard    | ICICI Bank | icici    | 7000           | 500000         | 17                   | 9      |
  | Cardless  | Standard    | ICICI Bank | icici    | 7000           | 500000         | 17                   | 12     |
  | Cardless  | Standard    | IDFC Bank  | idfc     | 5000           | 100000         | 24                   | 3      |
  | Cardless  | Standard    | IDFC Bank  | idfc     | 5000           | 100000         | 24                   | 6      |
  | Cardless  | Standard    | IDFC Bank  | idfc     | 5000           | 100000         | 24                   | 9      |
  | Cardless  | Standard    | IDFC Bank  | idfc     | 5000           | 100000         | 24                   | 12     |
  | Cardless  | Standard    | CASHe      | cashe    | 1000           | 100000         | 23.78                | 3      |
  | Cardless  | Standard    | CASHe      | cashe    | 6000           | 100000         | 25.28                | 6      |
  | Cardless  | Standard    | CASHe      | cashe    | 9000           | 100000         | 25.63                | 9      |
  | Cardless  | Standard    | CASHe      | cashe    | 12000          | 100000         | 25.8                 | 12     |
</Accordion>

### Paylater providers

Your customers can also pay through the following Paylater providers:

* Lazypay

| Provider parameter | Name of the provider                                                                      |
| :----------------- | :---------------------------------------------------------------------------------------- |
| lazypay            | LazyPay (applicable for orders with a minimum value of ₹1 and a maximum value of ₹10,000) |

```curl lazypay request theme={"dark"}
curl --request POST
    --url https://api.cashfree.com/pg/orders/sessions
    --header 'Accept: application/json'
    --header 'Content-Type: application/json'
    --data '{
    "payment_method": {
        "paylater":{
            "channel": "link",
            "provider": "lazypay",
            "phone": "999999999"
        }
    },
    "payment_session_id": "session_0_7R8dKzYmdby5xKkADpF8id7LgIZk3pv7faZ9-2v7s_cA34F2YKjVCSG4D8gOjzmlYFSgtn3q9txW3uKFC_IM5wE289t3137ITsZPqPynCB-ip8rCq6Y70_0Qwpayment"
}'
```

<div class="hidden" data-table-of-contents="bottom">
  <p class="mt-4 font-medium flex items-center gap-2 related-docs-heading">
    <svg width="16" height="16" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" aria-hidden="true" class="w-4 h-4">
      <path d="M3 4h7a2 2 0 0 1 2 2v13a2 2 0 0 0-2-2H3z" />

      <path d="M21 4h-7a2 2 0 0 0-2 2v13a2 2 0 0 1 2-2h7z" />
    </svg>

    <span>Related topics</span>
  </p>

  <ul>
    <li><a href="/docs/api-reference/payments/latest/eligibility/get-eligible-payment-methods">Get Eligible Payment Methods API</a></li>
    <li><a href="/docs/api-reference/payments/latest/payments/pay">Order Pay API</a></li>
    <li><a href="/docs/api-reference/payments/latest/payments/authenticate">Submit OTP API</a></li>
  </ul>
</div>