Attract More Customers & Revenue Without Any Additional Effort or Investment
Paytm Network
Attract More Customers
No need to tie-up or integrate with any bank for offering EMI plans. Yes, it is that convenient.
Paytm Network
Attract More Customers
Flexibility to offer upfront discounts or cashback offers depending on your business needs.
Provide Zero/Low Cost
Attract More Customers
Provide Zero/Low Cost EMI based on a combination of item attributes like Category ID, Model, Brand, etc., or simply on a cart amount.
configuration & integration efforts class:
Attract More Customers
Provide Zero/Low-Cost EMI with minimal configuration & integration efforts.
With Paytm’s Zero/Low-Cost EMI Solution, everyone wins!
How your Business wins?
Attract More Customers
Increase Sales
Boost your average order values by giving your customers increased spending power.
Attract More Customers
Promote Products Better
Add a dynamic 'pay in easy zero/low-cost EMIs' messaging to your site.
Attract More Customers
Attract High Value Orders
Let your customers place high-value orders while keeping their payments small.
How your Customers win?
Attract More Customers
Added Convenience
No sign up required for setting up monthly interest-free/zero cost installments.
Attract More Customers
Increased Affordability
Cut down on additional costs, high-interest rates, and down payments.
Attract More Customers
Build Credit History
Let your customers place high-value orders while keeping their payments small.

How Zero/Low-Cost EMI Works?

  • Account
  • Customer
  • Details
  1. Customer selects EMI payment option Post adding items to the cart, customer chooses the EMI payment option and selects their preferred debit/credit card issuing bank partner.
  2. Customer selects an EMI Plan Customer selects saved/adds cards details and an EMI plan of their choice from a number of duration options.
  3. Customer completes the transaction Customer completes the transaction by entering the OTP and the order gets placed.
Account
  1. Customer selects EMI payment option Post adding items to the cart, customer chooses the EMI payment option and selects their preferred debit/credit card issuing bank partner.
Customer
  1. Customer selects an EMI Plan Customer selects saved/adds cards details and an EMI plan of their choice from a number of duration options.
Details
  1. Customer completes the transactionCustomer completes the transaction by entering the OTP and the order gets placed.
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Frequently Asked Questions
Is Zero/Low-Cost EMI available on all checkout flows?

Yes, the Zero/Low-Cost EMI feature is available on all of our checkout flows.

Do I need to integrate/tie-up with any of the banks to offer Zero/Low-Cost EMI to my customers?

Not at all. All you need to do is share the banks via whom you want to offer EMIs, along with the tenure list.

How much would the value of the transaction be in case I want to offer the discount model to my customers?

In the case of the discount model, the principal amount would be reduced to the amount equivalent to the interest amount spread across EMI tenure.

How much would the value of the transaction be in case I want to offer the cashback model to my customers?

In the case of a cashback model, the transaction will be done on the cart value. The interest amount will be given as cashback by the merchant/bank.

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