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POSTDC EMI Eligibility API

Use Case

This API can be used to check the eligibility of the customer for DC EMI using the registered mobile number with the Debit card bank account. 

Request Attributes

Content Type : JSON

Head

AttributeDescription
version
string
optional

Version of the API.

Example: v1

channelId
string
optional

The parameter value identifies the Channel for which the API call is initiated.

Possible Values: APP, WEB, WAP, SYSTEM

requestTimestamp
string
mandatory

EPOCH timestamp of the time at which request is being sent.
Example: 1588402269

tokenType
string
mandatory

This is for authentication method.
For checksum authentication, the value is CHECKSUM.
Possible Values: TXN_TOKEN/ACCESS/CHECKSUM

token
string
mandatory

For tokenType CHECKSUM, It's value to be sent should be the checksum string created by using Paytm checksum library.
Note: Create the checksum using the body parameter of the request.

Body

AttributeDescription
mid
string
mandatory

Paytm provides MID as a unique identifier to each merchant. For your staging MID, click here. You get the production MID post the account activation.

Example: INTEGR7769XXXXXX9383

emiTypes
Array of Strings
mandatory

Types of emi for which the eligibility has to be checked
Possible Values: DEBIT_CARD

Example: [DEBIT_CARD]

channelCode
string
optional

The bank code for which the user eligibility for Debit Card EMI has to be determined.
Note: If the eligibility has to be determined for all the banks configured on the merchant, do not send the bank code

Example: "ICICI"

userInfo
object
mandatory

User's mobile number used to determine the user's eligibility for Debit card EMI

userInfo
+
AttributeDescription
mobileNumber
string
mandatory

10-digit registered mobile number of the user.

Example: 9988000000

txnAmount
string
optional

The amount for which DebitCard EMI eligibility is to be retrieved

Response Attributes

Content Type : JSON

Head

AttributeDescription
responseTimestamp
string

EPOCH timestamp of the time at which response is being sent.

Example: 1588402269

version
string

Version of the API passed in the request.

Example: v1

clientId
string

Paytm use the merchant key on the basis of clientId parameter value. It requires only if the merchant has more than one key.

signature
string

You should validate the parameter values by verifying the signature comes in the response. It ensures that parameter values not tempered. Signature string can be verified by using Paytm checksum library.

Body

AttributeDescription
resultInfo
object

This parameter gives the information about the result of the API response

resultInfo
+
AttributeDescription
resultCode
string

This is the resultCode corresponding to a particular message and is returned to the merchant. It's maximum length is 64. The different result codes corresponding to this API are mentioned below.

resultCodeId
string

Result code id returned to merchant.

resultStatus
string

This parameter indicates the status of API call.

Possible Values:
S
For Success

,

F
For Failure
resultMsg
string (256)

This parameter is the result message which contains information about the result.The different result messages corresponding to this API are mentioned below.

emiEligibility
Array of objects

Returns the plans available which are available for Debit Card EMI on the basis of the eligibility determined using the phone number and channelCode

emiEligibility
+
AttributeDescription
emiType
string

Type of EMI.
Possible values: DEBIT_CARD

channelCode
string

The bank for which we need to check if the user is eligible for Debit card EMI

Example: "ICICI"

eligible
string

Specifies if the user is eligible for the specific bank's Debit Card EMI

Possible Values: "true", "false"

message
string

The message that can be shown in the case when user is not eligible for Debit Card EMI of specific bank

Example: "User not eligible for KOTAK Debit card EMI"

emiDetails
Array of Objects

List of emiPlans configured on the merchant

emiDetails
+
AttributeDescription
planId
string

This is the plan which the bank offers.

Example: ICICI|3

interestRate
string

Interest rate of the EMI plan.

Example: 4.50

ofMonths
string

This is the months plan of EMI.

Example: 3.00

minAmount
object

The minimum amount needed for the planId.

Money
+
AttributeDescription
value
string

This parameter contains the amount to be charged to the customer and can have two places of decimal.
Example: 1.00

currency
string

This parameter indicates the currency in which transaction amount is to be deducted.
Possible Values: INR

maxAmount
object

The maximum amount needed for the planId.

Money
+
AttributeDescription
value
string

This parameter contains the amount to be charged to the customer and can have two places of decimal.
Example: 1.00

currency
string

This parameter indicates the currency in which transaction amount is to be deducted.
Possible Values: INR

emiAmount
object

This is an additonal amount for EMI.

Money
+
AttributeDescription
value
string

This parameter contains the amount to be charged to the customer and can have two places of decimal.
Example: 1.00

currency
string

This parameter indicates the currency in which transaction amount is to be deducted.
Possible Values: INR

totalAmount
object

Total amount with EMI amount added.

Money
+
AttributeDescription
value
string

This parameter contains the amount to be charged to the customer and can have two places of decimal.
Example: 1.00

currency
string

This parameter indicates the currency in which transaction amount is to be deducted.
Possible Values: INR

processingFee
string

Processing Fee

apr
double

Annual Percentage Rate

Response Codes & Messages

resultCoderesultStatusresultMsg
0000SSuccess
3004FEMI not configured on merchant
9999FSomething went wrong
3001FInternal Processing Error
3001FUnable to determine eligibility for HDFC at this time
Staging
Production
https://securegw-stage.paytm.in/theia/api/v1/checkEMIEligibilitycopy icon
REQUEST
RESPONSE
CURL
JAVA
PHP
NODE
PYTHON
DOTNET
curl --location 'https://securegw-stage.paytm.in/theia/api/v1/checkEMIEligibility' \
--header 'Content-Type: application/json' \
--data '{"head":{"version":"v1","requestTimestamp":"{{timestamp}}","channelId":"WEB","tokenType":"ACCESS","token":"{{accessToken}}"},"body":{"userInfo":{"mobileNumber":"9999999999"},"mid":"{{YOUR-MID-HERE}}","channelCode":"HDFC","emiTypes":["DEBIT_CARD"]}}'

 

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