---
title: Accept EMI Payments
slug: affordability-suite/accept-emi-payments
excerpt: Overview of EMI payment acceptance on Pine Labs
hidden: false
metadata:
  title: EMI Payment Acceptance Overview - Credit & Debit Card | Pine Labs
  description: >-
    Accept EMI payments on credit cards, debit cards with down payment options.
    Integrate Pine Labs affordability APIs to offer flexible monthly installment
    plans and boost conversions.
  keywords: >-
    emi payments, credit card emi, debit card emi, installment payments, offer
    discovery, split emi, down payment
  robots: index
sidebar_order: 1
sidebar_label: Overview
---
## Overview

Learn about Pine Labs Online Affordability Suite - EMI Payments

By integrating with Pine Labs' Online Affordability Suite, you can offer EMI (Equated Monthly Installment) payment options to your customers across credit cards, debit cards, and down payment plans. This enables customers to split high-value purchases into manageable monthly installments, increasing affordability and driving higher conversions.

<DocImage src="images/image-1779435872623.png" alt="emi-payments-overview" caption="" />


## EMI Payment Options

Pine Labs Online supports three types of EMI payment methods:

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    <h3>Credit Card EMI</h3>
    <p>Customers can convert credit card transactions into monthly installments. Supports Bank EMI and Brand EMI with options for No Cost, Low Cost, and Standard EMI plans.</p>
    <a href="accept-emi-payments/credit-emi">Learn more →</a>
  </div>
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    <h3>Debit Card EMI</h3>
    <p>Pre-approved customers can convert debit card transactions into monthly installments. Available with HDFC and ICICI debit card EMI options.</p>
    <a href="accept-emi-payments/debit-emi">Learn more →</a>
  </div>
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    <h3>Down Payment EMI</h3>
    <p>Split a high-value transaction into an upfront down payment and remaining EMI installments, making expensive purchases more accessible to customers.</p>
    <a href="accept-emi-payments/down-payments-emi">Learn more →</a>
  </div>
</div>

## How It Works

1. **Offer Discovery**: Use the Offer Discovery API to check available EMI offers and calculate installment amounts for the customer's card.
2. **Offer Validation**: Validate the selected EMI offer using the Offer Validation API before proceeding with the payment.
3. **Create Order**: Create an order with the appropriate payment method (`CREDIT_EMI` or `DEBIT_EMI`) in the `allowed_payment_methods` array.
4. **Create Payment**: Submit the payment with the selected EMI tenure, offer details, and card information.
5. **Handle Payment**: Redirect the customer to the `challenge_url` for authentication, then verify the payment signature on callback.
6. **Get Order Status**: Confirm the final order status using the Get Order by Order ID API.

## Supported EMI Types

| EMI Type | Payment Method | Description |
| :------- | :------------- | :---------- |
| Bank EMI | `CREDIT_EMI` / `DEBIT_EMI` | Standard EMI offered by the issuing bank with applicable interest rates |
| Brand EMI | `CREDIT_EMI` / `DEBIT_EMI` | EMI with brand subventions offering No Cost or Low Cost EMI to customers |
| Split EMI | `CREDIT_EMI` | EMI with split payment options (e.g., iPhone for Life) where a percentage is paid upfront |
| Down Payment EMI | `CREDIT_EMI` / `DEBIT_EMI` | Partial upfront payment with remaining amount converted to EMI |

## Key Advantages

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      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><path d="M12 2v20M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6"/></svg>
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    <h3>Increased Affordability</h3>
    <p>Customers can split high-value purchases into manageable monthly installments starting from 3 to 24 months, making expensive products accessible.</p>
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    <h3>Multiple EMI Options</h3>
    <p>Offer No Cost EMI, Low Cost EMI, and Standard EMI plans across multiple banks and card networks to maximize customer choice.</p>
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      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><polyline points="23 6 13.5 15.5 8.5 10.5 1 18"/><polyline points="17 6 23 6 23 12"/></svg>
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    <h3>Higher Conversions</h3>
    <p>Reduce cart abandonment by enabling customers to pay in installments. EMI options drive larger order values and improve checkout completion rates.</p>
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    <div className="inline-flex items-center justify-center w-10 h-10 rounded-lg bg-[#D0F6E5]/60 mb-3">
      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><path d="M20.84 4.61a5.5 5.5 0 0 0-7.78 0L12 5.67l-1.06-1.06a5.5 5.5 0 0 0-7.78 7.78L12 21.23l8.84-8.84a5.5 5.5 0 0 0 0-7.78z"/></svg>
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    <h3>Brand Subventions</h3>
    <p>Leverage brand partnerships to offer No Cost EMI where brands absorb the interest, making purchases even more attractive to customers.</p>
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## Integration Benefits

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    <h3>Full Payment Upfront</h3>
    <p>You receive the full transaction amount immediately from the bank. EMI collections are handled entirely by the issuing bank.</p>
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      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><path d="M13 2L3 14h9l-1 8 10-12h-9l1-8z"/></svg>
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    <h3>Seamless Integration</h3>
    <p>Single API integration supports all EMI types — Credit, Debit, and Down Payment EMI — with consistent request and response formats.</p>
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      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><rect x="3" y="11" width="18" height="11" rx="2" ry="2"/><path d="M7 11V7a5 5 0 0 1 10 0v4"/></svg>
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    <h3>Pre-Authorization Support</h3>
    <p>Supports pre-authorization flows for both Credit and Debit EMI, allowing you to capture or cancel orders after successful delivery.</p>
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      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><path d="M3 9l9-7 9 7v11a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z"/><polyline points="9 22 9 12 15 12 15 22"/></svg>
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    <h3>Wide Bank Coverage</h3>
    <p>Supports EMI from all major banks including HDFC, ICICI, SBI, Axis, and more with automatic offer discovery and validation.</p>
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## Next Steps

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    <h4>Credit Card EMI</h4>
    <p>Step-by-step guide for integrating credit card EMI payments</p>
    <a href="accept-emi-payments/credit-emi">Get Started →</a>
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    <div className="inline-flex items-center justify-center w-10 h-10 rounded-lg bg-[#D0F6E5]/60 mb-3">
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    </div>
    <h4>Debit Card EMI</h4>
    <p>Step-by-step guide for integrating debit card EMI payments</p>
    <a href="accept-emi-payments/debit-emi">Get Started →</a>
  </div>
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    <div className="inline-flex items-center justify-center w-10 h-10 rounded-lg bg-[#D0F6E5]/60 mb-3">
      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><path d="M12 2v20M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6"/></svg>
    </div>
    <h4>Down Payment EMI</h4>
    <p>Step-by-step guide for integrating down payment EMI</p>
    <a href="accept-emi-payments/down-payments-emi">Get Started →</a>
  </div>
</div>