--- title: EMI Payments FAQs slug: affordability-suite/accept-emi-payments/faqs excerpt: >- Frequently asked questions about Credit Card EMI, Debit Card EMI, and Down Payment EMI on Pine Labs Online. hidden: false metadata: title: EMI Payments FAQs | Pine Labs Online Payments description: >- Answers to common questions about Credit Card EMI, Debit Card EMI, Down Payment EMI, offer discovery, offer validation, and refunds. keywords: >- EMI payments FAQs, Credit Card EMI, Debit Card EMI, Down Payment EMI, Pine Labs Affordability Suite robots: index sidebar_label: FAQs schema_type: FAQPage custom_schema: |- { "@context": "https://schema.org", "@type": "FAQPage", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.pinelabs.com/docs/online-payments/affordability-suite/accept-emi-payments/faqs" }, "mainEntity": [ { "@type": "Question", "name": "Which credit card issuers support deferred discount and deferred subvention?", "acceptedAnswer": { "@type": "Answer", "text": "Axis, IDFC, Kotak, and ICICI support deferred discount and deferred subvention for Credit Card EMI, subject to merchant enablement." } }, { "@type": "Question", "name": "How can I differentiate between Credit and Debit cards for EMI offers?", "acceptedAnswer": { "@type": "Answer", "text": "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." } }, { "@type": "Question", "name": "What is Credit Card EMI and how does it work?", "acceptedAnswer": { "@type": "Answer", "text": "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." } }, { "@type": "Question", "name": "Can I use a tokenized card for Credit EMI?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. You can use card token details instead of raw card details while creating a Credit EMI payment." } }, { "@type": "Question", "name": "Do Debit Card EMI issuers support deferred discount and deferred subvention?", "acceptedAnswer": { "@type": "Answer", "text": "No. Debit Card EMI issuers do not support deferred discount or deferred subvention." } }, { "@type": "Question", "name": "Is the registered mobile number required for Debit EMI transactions?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. The registered mobile number must be passed in the Create Payment API request. This is mandatory for all Debit EMI issuers." } }, { "@type": "Question", "name": "What is Debit Card EMI and who can use it?", "acceptedAnswer": { "@type": "Answer", "text": "Debit Card EMI allows pre-approved debit cardholders to pay in monthly instalments deducted from their savings account. Eligibility is determined by the issuing bank based on the customer's pre-approved status. Debit Card EMI is suitable for customers who do not have a credit card and for mid-to-high-ticket retail purchases." } }, { "@type": "Question", "name": "Is CVV required for Debit EMI?", "acceptedAnswer": { "@type": "Answer", "text": "It depends on the issuing bank. HDFC Debit: CVV is not required — pass card_number and registered_mobile_number. ICICI Debit: CVV is required — pass cvv, expiry_month, and expiry_year. Always check the specific bank's offer parameters returned in Offer Discovery before collecting payment inputs." } }, { "@type": "Question", "name": "Which banks support Debit Card EMI?", "acceptedAnswer": { "@type": "Answer", "text": "Documentation examples include HDFC Debit and ICICI Debit. Additional banks may be enabled for your merchant account. Contact Pine Labs Online onboarding for the current list enabled for your merchant ID." } }, { "@type": "Question", "name": "Do I need separate onboarding for Debit EMI and Credit EMI?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Debit EMI bank partnerships are separate from Credit EMI partnerships. Pine Labs Online onboarding activates the relevant options on your merchant ID, and Offer Discovery returns only the EMI types your account is enabled for." } }, { "@type": "Question", "name": "What is Down Payment EMI?", "acceptedAnswer": { "@type": "Answer", "text": "Down Payment EMI lets the customer pay an upfront down payment at purchase time while the issuing bank finances the remaining balance as an EMI loan. For example, if a product costs INR 12,000 and the customer pays INR 2,000 upfront, the remaining INR 10,000 is financed as EMI." } }, { "@type": "Question", "name": "What is the Down Payment Details API?", "acceptedAnswer": { "@type": "Answer", "text": "The Down Payment Details API retrieves the applicable down payment amount and EMI details before Offer Discovery. Required inputs include order_amount, issuer.bin, and issuer.issuer_type (CC_BANK or DC_BANK). Optional inputs include cart_coupon_discount_amount and product_coupon_discount_amount." } }, { "@type": "Question", "name": "Does Down Payment EMI support both Credit and Debit cards?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Create Payment supports these variants: Credit EMI where payment_method is CREDIT_EMI and issuer_type is CC_BANK; Debit EMI where payment_method is DEBIT_EMI and issuer_type is DC_BANK; and Tokenized Credit EMI which is the same as Credit EMI but uses card_token_details instead of raw card details." } }, { "@type": "Question", "name": "What is total_down_payment_amount in the Offer Validation response?", "acceptedAnswer": { "@type": "Answer", "text": "total_down_payment_amount is the upfront amount the customer must pay at checkout before EMI financing begins. This field appears only for Down Payment EMI offers. The remaining loan_amount is financed by the bank, and net_payment_amount reflects the total of all EMI instalments, including loan and interest." } }, { "@type": "Question", "name": "What is convenience_fee_breakdown in Down Payment Offer Validation?", "acceptedAnswer": { "@type": "Answer", "text": "convenience_fee_breakdown provides the merchant convenience fee on the down payment. It includes: fee_calculated_on_amount (base amount on which the fee is calculated), fee_amount (raw fee before taxes), tax_amount (GST or tax on the fee), additional_fee_amount (additional fixed surcharge if applicable), applicable_fee_amount (final fee charged after fee, tax, and additional amount), and maximum_fee_amount (maximum capped fee amount)." } }, { "@type": "Question", "name": "How does the 8-step Down Payment EMI flow differ from the 7-step Credit or Debit EMI flow?", "acceptedAnswer": { "@type": "Answer", "text": "Down Payment EMI adds the Down Payment Details step before Offer Discovery. The full flow is: (1) Generate Token, (2) Down Payment Details, (3) Offer Discovery with downpayment_details, (4) Offer Validation, (5) Create Order, (6) Create Payment, (7) Handle Payment, (8) Get Order by Order ID." } }, { "@type": "Question", "name": "What is after_downpayment_reduced_product_amount?", "acceptedAnswer": { "@type": "Answer", "text": "after_downpayment_reduced_product_amount is the product price after the down payment is deducted. For example, if the product price is INR 2,199 and the down payment is INR 2,000, after_downpayment_reduced_product_amount is INR 199. This appears per product in tenure.details[] inside offer_data." } } ] } --- 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.

Debit Card EMI FAQs

Do Debit Card EMI issuers support deferred discount and deferred subvention? No. Debit Card EMI issuers do not support deferred discount or deferred subvention.
Is the registered mobile number required for Debit EMI transactions? Yes. The registered mobile number must be passed in the Create Payment API request. This is mandatory for all Debit EMI issuers.
What is Debit Card EMI and who can use it? Debit Card EMI allows pre-approved debit cardholders to pay in monthly instalments deducted from their savings account. Eligibility is determined by the issuing bank based on the customer's pre-approved status. Debit Card EMI is suitable for customers who do not have a credit card and for mid-to-high-ticket retail purchases.
Is CVV required for Debit EMI? It depends on the issuing bank: - HDFC Debit: CVV is not required. Pass `card_number` and `registered_mobile_number`. - ICICI Debit: CVV is required. Pass `cvv`, `expiry_month`, and `expiry_year`. Always check the specific bank's offer parameters returned in Offer Discovery before collecting payment inputs.
Which banks support Debit Card EMI? Documentation examples include HDFC Debit and ICICI Debit. Additional banks may be enabled for your merchant account. Contact Pine Labs Online onboarding for the current list enabled for your merchant ID.
Do I need separate onboarding for Debit EMI and Credit EMI? Yes. Debit EMI bank partnerships are separate from Credit EMI partnerships. Pine Labs Online onboarding activates the relevant options on your merchant ID, and Offer Discovery returns only the EMI types your account is enabled for.

Down Payment EMI FAQs

What is Down Payment EMI? Down Payment EMI lets the customer pay an upfront down payment at purchase time while the issuing bank finances the remaining balance as an EMI loan. For example, if a product costs INR 12,000 and the customer pays INR 2,000 upfront, the remaining INR 10,000 is financed as EMI.
What is the Down Payment Details API? The Down Payment Details API retrieves the applicable down payment amount and EMI details before Offer Discovery. Endpoint: `POST /api/affordability/v1/offer/downpayment/details` Required inputs include `order_amount`, `issuer.bin`, and `issuer.issuer_type` (`CC_BANK` or `DC_BANK`). Optional inputs include `cart_coupon_discount_amount` and `product_coupon_discount_amount`.
Does Down Payment EMI support both Credit and Debit cards? Yes. Create Payment supports these variants: - Credit EMI: `payment_method` is `CREDIT_EMI`, `issuer_type` is `CC_BANK`. - Debit EMI: `payment_method` is `DEBIT_EMI`, `issuer_type` is `DC_BANK`. - Tokenized Credit EMI: same as Credit EMI, but uses `card_token_details` instead of raw card details.
What is total_down_payment_amount in the Offer Validation response? `total_down_payment_amount` is the upfront amount the customer must pay at checkout before EMI financing begins. This field appears only for Down Payment EMI offers. The remaining `loan_amount` is financed by the bank, and `net_payment_amount` reflects the total of all EMI instalments, including loan and interest.
What is convenience_fee_breakdown in Down Payment Offer Validation? `convenience_fee_breakdown` provides the merchant convenience fee on the down payment: | Field | Description | |---|---| | `fee_calculated_on_amount` | Base amount on which the fee is calculated | | `fee_amount` | Raw fee before taxes | | `tax_amount` | GST or tax on the fee | | `additional_fee_amount` | Additional fixed surcharge, if applicable | | `applicable_fee_amount` | Final fee charged after fee, tax, and additional amount | | `maximum_fee_amount` | Maximum capped fee amount |
How does the 8-step Down Payment EMI flow differ from the 7-step Credit or Debit EMI flow? Down Payment EMI adds the Down Payment Details step before Offer Discovery: 1. Generate Token 2. Down Payment Details 3. Offer Discovery with `downpayment_details` 4. Offer Validation 5. Create Order 6. Create Payment 7. Handle Payment 8. Get Order by Order ID
What is after_downpayment_reduced_product_amount? `after_downpayment_reduced_product_amount` is the product price after the down payment is deducted. For example, if the product price is INR 2,199 and the down payment is INR 2,000, `after_downpayment_reduced_product_amount` is INR 199. This appears per product in `tenure.details[]` inside `offer_data`.
## Related pages - [Cardless EMI FAQs](../cardless-emi/faqs) — Review Cardless EMI issuers and eligibility questions. - [IMEI Validation FAQs](../imei-validations#faqs) — Understand IMEI blocking and refund behaviour. - [Affordability Suite FAQs](../faqs) — Review offer validation, discounts, cashback, and refunds.