EMI Payments FAQs
Frequently asked questions about Credit Card EMI, Debit Card EMI, and Down Payment EMI on Pine Labs Online.
Use these FAQs to understand how Credit Card EMI, Debit Card EMI, and Down Payment EMI work with Pine Labs Online.
Credit Card EMI FAQs
Which credit card issuers support deferred discount and deferred subvention?
Axis, IDFC, Kotak, and ICICI support deferred discount and deferred subvention for Credit Card EMI, subject to merchant enablement.
How can I differentiate between Credit and Debit cards for EMI offers?
Use the Offer Discovery API response. It returns issuer details, card type, and BIN information so you can show the relevant EMI offers to the customer.
What is Credit Card EMI and how does it work?
Credit Card EMI converts a lump-sum purchase into monthly instalments billed to the customer's credit card. The issuing bank finances the loan and recovers it through the customer's monthly credit card statement.
Credit Card EMI supports Bank EMI, Brand EMI, No-Cost EMI, Low-Cost EMI, and Standard EMI, based on your merchant configuration and eligible offers.
Can I use a tokenized card for Credit EMI?
Yes. You can use card token details instead of raw card details while creating a Credit EMI payment.
Related pages
- Cardless EMI FAQs — Review Cardless EMI issuers and eligibility questions.
- IMEI Validation FAQs — Understand IMEI blocking and refund behaviour.
- Affordability Suite FAQs — Review offer validation, discounts, cashback, and refunds.