EMI Subvention through JS Checkout

Overview of payment processing via EMI subvention payment

Prerequisites

Integration Steps

1. When the user loads the cart page, the merchant creates order at their backend and calls the Initiate Transaction API with an additional “simplifiedSubvention” object.
   Please refer to the below example explaining the simplifiedSubvention object that needs to be sent as part of the initiate transaction API.

   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",
         "selectPlanOnCashierPage": true,
         "subventionAmount":"1100.00" // subvention amount
    },

   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. The different identifiers for item based EMI Subvention are categoryList, brandId and model. Out of these three identifiers, “categoryList” and “brandId” are mandatory whereas “model” is optional. Basically 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. Paytm receives this request and returns a response containing a transaction token (TXN_TOKEN) to the merchant.

3. The merchant uses the transaction token, along with other parameters to initialise the JS module. The other required parameters are:

   • transactionAmount
   • tokenType
   • token

4. JS module renders the cashier page on the browser, preset with the configurations received.

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

6. 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 your website via your callback URL. Please refer to the sample callback response here.

Post Integration Steps