EMI Subvention through All-in-One SDK

Overview of payment processing via EMI subvention payment

Pre-requisites

Integration Steps

1. Once the user adds the item in the cart and in case you want to give the EMI subvention as a payment option to the user, call Initiate Transaction API from your backend to generate a Transaction Token.

   
   Below example shows the “simplifiedSubvention” object required to be added to the initiate transaction API call based on the subvention strategy.

   In case you want to integrate an amount based EMI subvention, you need to pass the simplifiedSubvention Object as explained in the example below. In this example, the total cart amount is of Rs. 2000 out of which you want to offer EMI Subvention on Rs. 1100.
    

   "simplifiedSubvention":{ 
         "customerId": "1234",
         "subventionAmount": "1100.00", //amount eligible for EMI subvention
         "selectPlanOnCashierPage": true  
   }
   

   In case you want to integrate an item based EMI subvention, you need to pass the simplifiedSubvention Object as explained in the example below. In this example, there is 1 item in the cart and you want to give EMI subvention on it, then you pass the identifier of the item in the simplifiedSubvention Object. You need to send the same identifiers as you have got configured at Paytm Subvention engine.
    

   "simplifiedSubvention": {
       "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": [
                   "66781"
                    ], //Product category identifiers for the merchant
             "model": "",
             "merchantId": "1152435",
             "id": "1" //unique identifier for one item in the request
         } 
       ],   
      "selectPlanOnCashierPage": true 
   }
   
   

2. Launch Paytm All-in-One SDK with the transaction token received as the response of Initiate Transaction API from step 1. Please refer All-in-One SDK integration document for detailed steps.

3. In case the Paytm app is installed on a user's device, they complete the payment on Paytm app using their login credentials, else the transaction will be processed via web view within the All-in-One SDK(Paytm hosted redirection flow).

4. User selects the EMI as a payment instrument and fills the details of the credit card. User selects one of the different subvention plans available and proceeds for the payment.

5. Paytm backend server processes the transaction and returns the transaction response to your app.

6. Your backend server calls the Transaction Status API to verify the transaction response.

7. After the successful validation of the transaction, order status is shown to the user on the app.

Post Integration Steps