Cardless EMI FAQs
Frequently asked questions about Cardless EMI issuers, eligibility, and customer identity inputs.
Use these FAQs to understand Cardless EMI issuer support, eligibility, and customer information requirements.
What are the supported issuers for Cardless EMI?
Currently supported issuers include:
- HDFC
- LazyPay
Availability can vary by merchant account. Confirm the enabled issuers with Pine Labs Online onboarding.
What is Cardless EMI and who is eligible?
Cardless EMI allows customers to purchase on EMI without using a credit or debit card. It uses the customer's pre-approved limit from an NBFC or issuer partner, usually identified by registered mobile number and, where applicable, PAN details.
Eligibility is determined by the issuer or NBFC partner. Customers must be pre-approved for the offer to complete the transaction.
What identity information do I need from the customer for Cardless EMI?
You need the customer's registered mobile number linked to their issuer or NBFC pre-approved EMI limit. Some issuers may also require the last four digits of the customer's PAN.
Use the mobile number linked to the customer's pre-approved limit. Unregistered numbers can cause transaction failure.
Related pages
- EMI Payments FAQs — Review Credit Card EMI, Debit Card EMI, and Down Payment EMI.
- Affordability Suite FAQs — Understand offer validation and discount behaviour.