Down Payment Details

POST/api/affordability/v1/offer/downpayment/details

Retrieve applicable down payment range and EMI repayment details based on order amount and issuer BIN.

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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.
`issuer`	`object`	Issuer identification details.
`bin`	`string`	Bank Identification Number (first 6-8 digits of card).

Response

Name	Type	Description
`downpayment_details`	`object`	Down payment calculation details.
`amount_range`	`object`	Allowed down payment range.
`amount_milestone_list`	`Amount[]`	Suggested down payment milestones.
`allowed_payment_methods`	`string[]`	Payment methods allowed for down payment.

Status Codes

`200`	Down payment details retrieved successfully.
`400`
`401`
`500`

Request

curl --request POST \
  --url https://pluraluat.v2.pinepg.in/api/affordability/v1/offer/downpayment/details \
  --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"
  },
  "issuer": {
    "bin": "12345678"
  }
}'

Run this request

Bearer token

Request body (JSON)

200 OK

{
  "downpayment_details": {
    "amount_range": {
      "min": {
        "value": 50000,
        "currency": "INR"
      },
      "max": {
        "value": 50000,
        "currency": "INR"
      }
    },
    "amount_milestone_list": [
      {
        "value": 50000,
        "currency": "INR"
      }
    ],
    "allowed_payment_methods": [
      "UPI"
    ]
  }
}