Affordability Suite FAQs
Frequently asked questions about Pine Labs Affordability Suite, offer validation, discounts, cashback, and refunds.
Use these FAQs to understand Pine Labs Affordability Suite offer behaviour, validation, discounts, cashback, and refund handling.
What is the Pine Labs Affordability Suite?
Pine Labs Affordability Suite lets merchants offer flexible instalment-based purchasing options. Customers can split purchases into monthly EMIs instead of paying the full amount upfront.
The suite covers Credit Card EMI, Debit Card EMI, Down Payment EMI, Cardless EMI, and Full Swipe offers for cashback and discount incentives.
How are EMI offers validated?
EMI offers are validated using the Offer Validation API. It checks card details such as bank, BIN range, issuer, and other offer parameters to determine whether a specific offer is eligible.
Are BIN-based offers currently supported?
Yes. BIN-based offers are supported. Use Offer Discovery and Offer Validation responses to identify the offers applicable to a customer's card BIN.
How do I identify EMI discounts and product instant discounts in API responses?
Use these fields:
| Field | Description |
|---|---|
total_subvention_amount | Total EMI discount or cashback amount |
total_discount_amount | Total product instant discount amount |
How are cashback or price restrictions applied on offers?
Offers can have minimum and maximum price thresholds, such as INR 100 to INR 1,00,000. These thresholds can apply to specific SKUs, issuers, or offer configurations.
How should multiple SKUs be ordered in offer requests?
There is no specific SKU ordering requirement in the request body. Offers are applied based on the aggregate cart amount and offer configuration.
How can we configure and customize EMI offers in the Payment Gateway?
Share the offer configuration details with the Pine Labs Online PG team, including tenure, discount type, eligible issuers, SKUs, subvention type, velocity rules, and campaign dates. The team configures and activates the offers on your merchant ID.
What is velocity in EMI offers, and how does it affect testing?
Velocity defines how many times an offer can be used, such as once per card per day. You can configure velocity limits per SKU and issuer during UAT to simulate production-like scenarios.
What is Pre, Post, and Instant Cashback?
| Cashback type | Description |
|---|---|
| Pre-Cashback | The full transaction amount is blocked on the card initially, but EMI is created after deducting the cashback. |
| Post-Cashback | Cashback is credited back to the card after a configured period. |
| Instant Cashback | Cashback amount is deducted upfront, and only the net amount is blocked on the card. |
What is the difference between Deferred Subvention and Deferred Discount?
Deferred Subvention means the interest component or subvention is paid by the brand or partner after a defined period instead of upfront.
Deferred Discount means the discount offered to the customer is applied after a delay, usually as cashback or post-purchase credit.
In short, deferred subvention reimburses interest later, while deferred discount applies price reduction or cashback later.
What discount types do we support?
Supported discount types include:
- Instant
- Deferred
What subvention types do we support?
Supported subvention types include:
- Instant
- Deferred
- Pre
Can deferred discount and deferred subvention be applied together for the same transaction?
Yes. Deferred discount and deferred subvention can be applied together for the same transaction, based on the configured offer rules.
What multi-cart scenarios do we support for deferred discounts and subvention?
Supported multi-cart scenarios include:
- Deferred discount and deferred subvention on different products within the same cart
- Deferred discount on Product A and deferred discount on Product B
- Deferred subvention on Product A and deferred subvention on Product B
- Deferred discount on Product A and deferred subvention on Product B
Is multi-cart supported when different products have different subvention types?
No. Multi-cart transactions do not support multiple subvention types within the same cart.
For example, Product 1 with Instant Subvention and Product 2 with Deferred Subvention in the same cart can cause the transaction to fail.
Is multi-cart supported when different products have different discount types?
Yes. Multi-cart transactions support multiple discount types within the same cart.
For example, Product 1 can use Instant Discount and Product 2 can use Deferred Discount in the same transaction, if the offer configuration allows it.
What amount should be used for a refund?
Use the captured or authorized amount for refunding a transaction. This is the amount captured from the customer at the time of payment.
If a convenience fee was charged, exclude the convenience fee from the refund amount because convenience fees are non-refundable.
Related pages
- EMI Payments FAQs — Review Credit Card EMI, Debit Card EMI, and Down Payment EMI.
- Cardless EMI FAQs — Review Cardless EMI eligibility questions.
- IMEI Validation FAQs — Review device validation and refund behaviour.