Get No cost EMI solution for Online shopping and cashback offers

Attract More Customers & Revenue Without Any Additional Effort or Investment

No need to tie-up or integrate with any bank for offering EMI plans. Yes, it is that convenient.

Flexibility to offer upfront discounts or cashback offers depending on your business needs.

Provide Zero/Low Cost EMI based on a combination of item attributes like Category ID, Model, Brand, etc., or simply on a cart amount.

Provide Zero/Low-Cost EMI with minimal configuration & integration efforts.

With Paytm’s Zero/Low-Cost EMI Solution, everyone wins!

How your Business wins?

Increase Sales

Boost your average order values by giving your customers increased spending power.

Promote Products Better

Add a dynamic 'pay in easy zero/low-cost EMIs' messaging to your site.

Attract High Value Orders

Let your customers place high-value orders while keeping their payments small.

How your Customers win?

Added Convenience

No sign up required for setting up monthly interest-free/zero cost installments.

Increased Affordability

Cut down on additional costs, high-interest rates, and down payments.

Build Credit History

Let your customers place high-value orders while keeping their payments small.

How Zero/Low-Cost EMI Works?

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 selects an EMI Plan Customer selects saved/adds cards details and an EMI plan of their choice from a number of duration options.
Customer completes the transaction Customer completes the transaction by entering the OTP and the order gets placed.

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 selects an EMI Plan Customer selects saved/adds cards details and an EMI plan of their choice from a number of duration options.

Customer completes the transactionCustomer completes the transaction by entering the OTP and the order gets placed.

Check Out Our Payment Products

All-In-One Payment Gateway

Seamlessly Integrate your App or Website with All-In-One Payment Gateway and start accepting online payments

JS Checkout

A simple 2-step Paytm checkout API integration for your existing website and mobile

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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