Paytm EMI Payments

Offer EMIs to your Customers.

Increase your sales by offering the affordability & convenience of EMIs on Paytm POS Device.

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Happy Customers 😊 …

Flexible Payment Options

Low & Zero Cost EMI Options

Exciting Cashback Offers

… Great Business 💰

Increase Your Sales

Offer affordable payment options with EMIs directly at the point of sale

Paytm Partner Network

Leverage Paytm’s wide partner network to offer products onlow & zero cost EMIs

Grow Your Revenues

Watch your revenues increase with higher ticket size sales

How to Offer EMIs while taking payments

Enter Amount in POS Device
Select EMI Option
Select EMI Offer
Verify Details & Accept Payment

How to Offer EMIs while taking payments

Enter Amount in POS Device

Select EMI Option

Select EMI Offer

Verify Details & Accept Payment

Powerful Features on Powerful Devices

Credit Card & Debit Cards EMIs

Android & Linux Devices Supported

Learn more about POS Devices

EMI options on mobile payments via QR*

Learn more about QR

*Selected merchants only

Frequently Asked Questions

What is an EMI?

EMI stands for Equated Monthly Installments. It is an easy way to reduce upfront payments and make products affordable through flexible payment options. EMIs will allow your customers to make regular monthly payments of manageable amounts as compared to a large payment at the time of purchase.

How to check if a customer's card is eligible for making Debit Card EMI payments?

You can ask your customer to follow the below steps to check whether their card can make EMI payments -

For ICICI Bank, SMS DCEMI<SPACE> last 4 digits of valid debit card number and send it to 5676766 from registered mobile number

For Axis Bank, SMS EMID<SPACE> last 4 digits of valid debit card number and send it to 56161600 from registered mobile number

Watch this Video

What are the advantages of EMI?

EMIs will help you accelerate your business growth by increasing customer conversion and offering flexible payment options to you customers. We also provide you with regular offers through our partners.

What do I need to accept EMI payments?

EMIs can be accepted on both Paytm Android and Linux POS. Merchants can accept EMIs through credit cards and debit cards.

Selected merchants can also accept EMIs via the Dynamic QR on their device.

Which banks are accepted for Credit Card EMIs?

We have a wide range of partners providing you with Credit Card EMIs. Our current partner list includes ICICI, Axis Bank, Yes Bank, RBL, Citibank, Standard Chartered Bank, HSBC, Kotak Mahindra Bank, SBI, IndusInd Bank, IDBI Bank and Bank of Baroda.

Which banks support Debit Card EMIs?

We have partnered with ICICI Bank & Axis Bank for Debit Card EMIs

How do I accept an EMI payment?

Please follow the below steps to accept EMIs via Debit and Credit Cards -

1. Enter the total transaction amount. Press Collect.

2. Ask the customer to insert his Card. Available EMI options will be visible along with Pay in Full. Select EMI option.

3. Available EMI plan options (tenure and interest rate) will be visible on the device. Customer can select his preferred option.

4. Once plan is selected, check the total amount payable before processing.

5. Click on proceed and ask customer to enter his PIN.

Click here to watch video

What are the interest rate and tenure options available while choosing the EMI plans?

EMI plan tenures and interest rates vary from bank to bank. You can choose between 3, 6, 9, 12, 18 and 24 month plans.

How do I activate this EMI feature on my Paytm POS Device?

You can activate the feature by giving us a missed call on 8860056046 or call our Business Helpdesk on 0120-4440440.

How will I receive my settlement?

Merchant settlement process remains similar to daily settlement, and full transaction amount is received as per schedule. There is no difference in settlement process for EMI and non-EMI Card Transactions

What are the charges applicable on EMI transactions?

An additional EMI fee of 0.5% is applicable per EMI transaction.

Is there a minimum transaction amount for which I can accept an EMI payment?

Minimum payment amount for Credit Card EMIs for each bank is provided below. This is applicable for all EMI tenures unless specified -

1. Axis - Rs. 3,000

2. Bank Of Baroda - Rs. 2,500

3. CITI - Rs. 3,000

4. HSBC - Rs. 2,000

5. ICICI - Rs. 1,500

6. Indusind - Rs. 2,000

7. Kotak - Rs. 500

8. RBL - Rs. 500

9. SBI - Rs. 3,000 for 3, 6, 9, 12 months tenure; Rs. 20,000 for 18 and 24 months tenure

10. SCB - Rs. 2,000

11. Yes bank - Rs. 1,500

12. IDBI - Rs. 3,000

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