EMI Subvention-Payment Links


EMI subvention on Payments Link flow can be integrated with minimal effort at the merchant side. Merchant will pass the relevant object in the Create Links API. Paytm backend will configure the banks and EMI plans on which you want to offer EMI subvention. Once this configuration is done then Paytm would manage the eligibility during the transaction.

Overview of payment processing via EMI subvention payment


  1. After the user adds the items to the cart, the merchant calls the Create Links API with an additional simplifiedSubvention object.
  2. Paytm receives the request and creates the link.
  3. The user clicks on the link and the cashier page is rendered, preset with the configurations received.
  4. User selects and fills in the required payment details like card number, expiry date, etc.
  5. Paytm receives the request and internally calls the Process Transaction API and returns the transaction status to the merchant via callback.

     Note: For Prerequisites, please refer to the Prerequisite document.


Transaction flow

  1. Merchant creates a link using Create Links API with simplifiedSubvention object

  2. Please refer to the below example explaining the simplifiedSubvention object that needs to be sent as part of the Create Links API


          "customerId": "1234",
          "selectPlanOnCashierPage": true,
          "subventionAmount":"1100.00" // subvention amount
          "customerId": "1234",
          "items": [
              "quantity": 1, //quantity of the product.quantity
              "productId": "321067334", //unique product identifier for the merchant
              "price": 10000, //cumulative price of the product
              "brandId": "53066",
              "categoryList": [
                     ], //Product category identifiers for the merchant
              "model": "",
              "merchantId": "1152435",
              "id": "1" //unique identifier for one item in the request
          "selectPlanOnCashierPage": true
  3. User receives the link, clicks on the link, and the cashier page is rendered.

  4. User selects the EMI payment option, selects the plan, and enters the card details. The user is directed to the bank page for authorization.

  5. User is redirected to the bank page for authorization. Once the transaction is authorized, Paytm receives the response from the bank and returns a status to merchant via your callback URL. Please refer to the sample callback response here.

Post Integration Steps


Post completion of integration on your staging environment, do a complete transaction from order summary page on your mobile app.

  1. Attempt a test transaction using the test paymodes credentials.
  2. Ensure you re-verify transaction response with Transaction Status API via server to server call in payment flow and not separately as a one-time activity.
  3. See the transaction details in the "Test Data" mode on your dashboard.

Once the test transaction is complete, move your code to a live environment with production account details, which you would have received from Paytm.
In case of any issues with integration, please contact us.