Bank Offers

Bank offers product empowers you to provide discounts/cashback to your customers, encouraging them to make transactions on your platforms regularly. Payment instrument based offer/Bank Offers will be provided by you in agreement with the banks. Our offer engine has the capability to search offers created at Paytm along with verifying and applying any one of the offers as selected by the customer.

There are 2 main steps to run an offer -

1. Offer integration with payment gateway checkout flow
2. Ways to configure offers

Bank offers are supported on 3 flows, namely Custom checkout, JS checkout and All-in-One SDK.

The first two integrations mentioned below are two variants of bank offer integration on custom checkout whereas point 3 and 4 represent bank offers of JS checkout and All-in-One SDK flow respectively.

1. Merchant wants to do offer validation before proceeding with the Payment
   
   In this integration with custom checkout, merchants would be be able to
   • Show and validate offers on their app/website
   • Fetch offers and validate offers with the help of a few APIs
   • Validation of offers on merchant app/website would help end users to see the offer benefit before they finalize their payment instrument to make payment
   For detailed integration steps please refer to the Bank offer with Custom Checkout - offer validation before payment page.
2. Merchant wants to do offer validation after proceeding with the Payment
   
   In this integration on custom checkout, merchants would be be able to
   • Show applicable offers on their app/website
   • Offer validation happens once user proceeds with payment after choosing the payment instrument
   • In discount led offer transaction on credit card, user will be able to see reduced transaction amount (post discount) once he/she lands on bank page
   • Merchant won't be required to integrate additional Promo APIs anymore like required in solution above
   For detailed integration steps please refer to the Bank offer with Custom Checkout - offer validation after payment page.
3. Bank offers on JS checkout flow
   
   For bank offer integration with JS checkout flow,
   • Merchant would be able to show and validate offer benefit to the users before payment
   • Payment page is managed by Paytm
   • Users can see list of all available offers and offer benefit on payment page before clicking on Pay button
   For detailed integration steps please refer to the Bank offer integration with JS Checkout page.
4. Bank offers on All-in-One SDK flow
   
   For bank offer integration with All-in-One SDK flow,
   • Merchant would be able to show and validate offer benefit to the users before payment
   • Payment page is managed by Paytm
   • Users can see list of all available offers and offer benefit on payment page before clicking on Pay button
   • User experience to avail bank offers will be similar whether end user has Paytm app or not
   For detailed integration steps please refer to the Bank offer integration with App Invoke flow page.

To run an offer, offer construct needs to be configured as well. There are two ways to achieve this construct configuration - DIY mode via Paytm Dashboard or through email.

To configure bank offers in DIY mode, Bank offers tab needs to be activated in the Paytm Dashboard, you may contact us or contact your KAM for the same. Details of offer configuration through Paytm Dashboard can be found here.

OR

Offers constructs can be shared with KAMs and they can get the offer campaign configured through our backend.

The method to configure the campaign (through backend or through Paytm Dashboard) is mutually exclusive of bank offer integration with checkout flows. For all types of bank offer integrations whether be it with custom checkout or JS checkout , offer construct configuration can be done either through paytm backend or through DIY mode which is through Paytm Dashboard.