---
title: Accept Cardless EMI Payments
slug: affordability-suite/cardless-emi
excerpt: Accept EMI payments without a credit or debit card
hidden: false
metadata:
  title: Accept Cardless EMI Payments - No Card Required | Pine Labs
  description: >-
    Enable cardless EMI payment option at checkout allowing customers to pay in
    installments without credit or debit cards. Integrate multiple financing
    partners through Pine Labs Affordability Suite.
  keywords: >-
    cardless emi, no card emi, instant credit, digital lending, bnpl, financing
    options, affordability suite
  robots: index
sidebar_order: 3
---
## Affordability Suite - Cardless EMI

By Integrating with Pine Labs' Online Affordability suite that provides cardless EMI (Equated Monthly Installment) options to customers through strategic partnerships with NBFCs (Non-Banking Financial Companies) and banks. This solution enables customers to complete transactions using either their existing partner accounts **ETB flow** or by registering with a new lending partner **NTB flow**.


<DocImage src="/cdn/img/cardless-emi-1779185430695.png" alt="cardless-emi" sizing="70%" />


## How It Works

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1. **Select Payment Method** : Customer selects **Instant Credit** on Pine Labs checkout. Clicks on the **Cardless EMI** tab
2. **Customer Verification** : Provide **PAN** details. Mobile number is pre-filled (provided by merchant). Pine Labs fetches available credit limits from existing lending partners.
3. **Partner Selection** : **For Existing Customers (ETB)**: View available credit limits. Select preferred lending partner. **For New Customers (NTB)**: Select a new lending partner. Complete KYC process. Provide additional details as requested.
4. **EMI Plan Selection** : Choose preferred EMI tenure. Review **No Cost/Low Cost EMI** options. View interest rate and processing fee details.
5. **Complete Transaction** : On the Transaction Details page, select the radio button to provide your consent. Enter OTP sent to registered mobile number. Confirm and complete the transaction.

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  <div>

![alt text](https://files.readme.io/d0ddf358a5bb8895bed2d4887b277bc0972b45c216926d01c5424bf054c9b744-cardless-emi-mweb.gif)
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> 📘 Note:
>
> * In the custom flow, after successfully collecting the customer’s PAN and registered mobile number, redirect your customers to our hosted page where they can choose their preferred lending partners to complete the payment.
> * In the redirect flow, when the customer clicks "Pay Now," redirect them to our checkout page.
> * This approach simplifies integration, as Pine Labs Online manages all the additional steps involved in processing EMI transactions.


## Supported Payment Partner

| Lending Partner   | Lending Type | Minimum Order Amount |
| :---------------- | :----------- | :------------------- |
| HDFC Cardless EMI | Bank         | ₹5,000               |
| Lazypay EMI       | NBFC         | ₹3,000               |


<DocImage src="/cdn/img/checkout-1779185518900.png" alt="checkout" sizing="70%" />


## Key Advantages

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      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><rect x="2" y="5" width="20" height="14" rx="2"/><path d="M2 10h20"/><path d="M12 14v1"/><path d="M7 14v1"/><path d="M17 14v1"/></svg>
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    <h3>No Card Required</h3>
    <p>Customers can avail an EMI product without any credit card or debit card details required. Instant credit approval based on existing limits or new KYC.</p>
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    <h3>Flexible Repayment</h3>
    <p>Customers have the liberty to repay the credit in 3, 6, or more months, thereby increasing affordability and purchasing power.</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="M12 2L15.09 8.26L22 9.27L17 14.14L18.18 21.02L12 17.77L5.82 21.02L7 14.14L2 9.27L8.91 8.26L12 2z"/></svg>
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    <h3>Additional Benefits</h3>
    <p>Additional cashbacks can be provided to the customer to enhance the affordability of the product and drive conversions.</p>
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    <h3>Hassle-Free Payment</h3>
    <p>Simple OTP-based authentication with quick approval and transaction completion. No complex documentation needed.</p>
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## Integration Benefits

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    <h3>Full Payment Upfront</h3>
    <p>You get paid the full transaction amount immediately. No waiting for customer EMI payments.</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="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z"/></svg>
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    <h3>Zero Collection Responsibility</h3>
    <p>Lending partners handle all EMI collections, reminders, schedules, and default management.</p>
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    <h3>Increased Conversions</h3>
    <p>Higher affordability drives larger order values and reduces cart abandonment rates.</p>
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    <h3>Simple Integration</h3>
    <p>Pine Labs handles all complexity with easy integration options including Redirect and Web-SDK flows.</p>
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