Offer Discovery Cardless

POST/api/affordability/v1/offer/discovery/cardless

Discover available cardless EMI offers for a given order amount and product. Used when customer does not use a card for EMI (e.g. BNPL-style cardless EMI).

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Requires Bearer token. Get token →

Request Body

Name	Type	Description
`order_amount`	`object`required	Monetary amount with currency.
`value`	`integer`required	Amount in the smallest currency unit (e.g., paisa for INR).
`currency`	`string`required	Three-letter ISO 4217 currency code.
`product_details`	`ProductDetail[]`	Mandatory for Brand EMI. Contains product details.
`product_code`	`string`	Product code or SKU.
`product_amount`	`object`	Monetary amount with currency.
`product_name`	`string`	Name of the product.
`product_quantity`	`integer`	Quantity of the product.
`cart_coupon_discount_amount`	`object`	Monetary amount with currency.
`value`	`integer`required	Amount in the smallest currency unit (e.g., paisa for INR).
`currency`	`string`required	Three-letter ISO 4217 currency code.
`payment_option`	`object`required	An object that contains details related to the payment option.
`cardless_details`	`object`required	An object that contains cardless transaction details.

Response

Name	Type	Description
`issuers`	`IssuerOffer[]`	List of issuers with available offers.
`id`	`string`	Unique identifier of the issuer id in the Pine Labs Online database.
`name`	`string`	Name of the Issuer.
`display_name`	`string`	Name of the issuer offering the offer.
`issuer_type`	`CC_BANK \| DC_BANK \| CARDLESS_BANK \| CC_NBFC \| DC_NBFC \| CARDLESS_NBFC \| NTB \| NTB_BANK \| NTB_NBFC`	The type of the Issuer offering the offer. `CC_BANKDC_BANKCARDLESS_BANKCC_NBFCDC_NBFCCARDLESS_NBFCNTBNTB_BANKNTB_NBFC`
`priority`	`integer`	The priority of the issuer providing the offer.
`tenures`	`Tenure[]`	Available EMI tenures for this issuer.
`issuer_data`	`object`	Issuer-specific data including OTP and consent details.

Status Codes

`200`	Cardless offers discovered successfully.
`400`
`401`
`422`	Unprocessable entity.
`500`

Request

curl --request POST \
  --url https://pluraluat.v2.pinepg.in/api/affordability/v1/offer/discovery/cardless \
  --header 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  --header 'Content-Type: application/json' \
  --data '{
  "order_amount": {
    "value": 50000,
    "currency": "INR"
  },
  "product_details": [
    {
      "product_code": "SKU-001",
      "product_amount": {
        "value": 50000,
        "currency": "INR"
      },
      "product_name": "iPhone 15 Pro",
      "product_quantity": 1
    }
  ],
  "cart_coupon_discount_amount": {
    "value": 50000,
    "currency": "INR"
  },
  "payment_option": {
    "cardless_details": {
      "pan_number": "234A123883",
      "registered_mobile_number": "9876543210"
    }
  }
}'

Run this request

Bearer token

Request body (JSON)

200 OK

{
  "issuers": [
    {
      "id": "23",
      "name": "INDUSIND CC",
      "display_name": "INDUSIND",
      "issuer_type": "CC_BANK",
      "priority": 1,
      "tenures": [
        {
          "tenure_id": "1",
          "name": "3 Months",
          "tenure_type": "MONTH",
          "tenure_value": 3,
          "issuer_offer_parameters": [
            {
              "program_type": "BANK_EMI",
              "offer_id": "1563",
              "offer_parameter_id": "63813"
            }
          ],
          "details": [
            {
              "product_code": "redmi_1",
              "product_display_name": "Redmi Note 14 5G",
              "brand_id": "3",
              "brand_name": "Xiaomi",
              "product_offer_parameters": [
                {
                  "program_type": "BRAND_OFFER",
                  "offer_id": "309",
                  "offer_parameter_id": "20"
                }
              ],
              "product_amount": {
                "currency": "INR",
                "value": 2000000
              },
              "product_coupon_discount_amount": {
                "currency": "INR",
                "value": 1000
              },
              "subvention": {
                "subvention_type": "INSTANT",
                "offer_type": "NO_COST",
                "percentage": 5,
                "amount": {
                  "currency": "INR",
                  "value": 85714
                },
                "breakup": {
                  "brand": {
                    "amount": {
                      "currency": "INR",
                      "value": 85714
                    }
                  }
                },
                "max_amount": {
                  "currency": "INR"
                },
                "min_amount": {
                  "currency": "INR"
                }
              },
              "discount": {
                "discount_type": "INSTANT",
                "percentage": 10,
                "amount": {
                  "currency": "INR",
                  "value": 200000
                },
                "max_amount": {
                  "currency": "INR",
                  "value": 200000
                },
                "breakup": {
                  "merchant": {
                    "amount": {
                      "currency": "INR",
                      "value": 100000
                    }
                  },
                  "brand": {
                    "amount": {
                      "currency": "INR",
                      "value": 100000
                    }
                  }
                },
                "discount_deferred_duration_type": "DAY"
              },
              "interest_amount": {
                "currency": "INR"
              },
              "interest_rate": 16,
              "cart_coupon_discount_product_share": {
                "currency": "INR"
              },
              "downpayment_amount": {
                "currency": "INR",
                "value": 200000
              },
              "after_downpayment_reduced_product_amount": {
                "currency": "INR",
                "value": 200000
              },
              "bundle_id": "BUNDLE_002_OE3"
            }
          ],
          "discount": {
            "discount_type": "INSTANT",
            "percentage": 10,
            "amount": {
              "currency": "INR",
              "value": 200000
            },
            "max_amount": {
              "currency": "INR",
              "value": 400000
            },
            "breakup": {
              "merchant": {
                "amount": {
                  "currency": "INR",
                  "value": 100000
                }
              },
              "brand": {
                "amount": {
                  "currency": "INR",
                  "value": 100000
                }
              },
              "issuer": {
                "amount": {
                  "currency": "INR"
                }
              },
              "dealer": {
                "amount": {
                  "currency": "INR"
                }
              }
            },
            "discount_deferred_duration_type": "DAY"
          },
          "auth_amount": {
            "currency": "INR",
            "value": 1200000
          },
          "loan_amount": {
            "currency": "INR",
            "value": 1200000
          },
          "total_discount_amount": {
            "currency": "INR",
            "value": 200000
          },
          "net_payment_amount": {
            "currency": "INR",
            "value": 1232139
          },
          "monthly_emi_amount": {
            "currency": "INR",
            "value": 410713
          },
          "total_emi_amount": {
            "currency": "INR",
            "value": 1232139
          },
          "interest_amount": {
            "currency": "INR",
            "value": 32139
          },
          "total_subvention_amount": {
            "currency": "INR"
          },
          "split_emi_display_name": "Apple Live",
          "split_emi_amount": {
            "currency": "INR",
            "value": 2358490
          },
          "split_emi_percentage": 25,
          "interest_rate_percentage": 16,
          "processing_fee_details": {
            "percentage": 0,
            "amount": {
              "currency": "INR",
              "value": 19900
            }
          },
          "processing_fee_amount": {
            "currency": "INR",
            "value": 19900
          },
          "convenience_fee_breakdown": {
            "fee_calculated_on_amount": {
              "currency": "INR"
            },
            "fee_amount": {
              "currency": "INR",
              "value": 100
            },
            "tax_amount": {
              "currency": "INR",
              "value": 19
            },
            "additional_fee_amount": {
              "currency": "INR",
              "value": 10
            },
            "maximum_fee_amount": {
              "currency": "INR",
              "value": 99999999
            },
            "applicable_fee_amount": {
              "currency": "INR",
              "value": 129
            },
            "subvented_fee_amount": {
              "currency": "INR"
            }
          },
          "cart_coupon_discount_amount": {
            "currency": "INR"
          },
          "total_coupon_discount": {
            "currency": "INR"
          },
          "total_down_payment_amount": {
            "currency": "INR",
            "value": 200000
          },
          "downpayment_details": {
            "downpayment_amount": {
              "currency": "INR",
              "value": 200000
            }
          },
          "emi_type": "STANDARD"
        }
      ],
      "issuer_data": {
        "otp_length": 5,
        "otp_time_in_sec": 180,
        "otp_retry_count": 5,
        "is_consent_page_required": true,
        "terms_and_conditions": "Sample TNC",
        "show_key_fact_statement": true,
        "auth_type": "PENNY_DROP",
        "penny_transaction_amount": {
          "currency": "INR",
          "value": 100
        },
        "is_tokenized_transaction_supported": false,
        "pan_number_last_digit_count": 3
      }
    }
  ]
}