Create 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 →

Header Parameters

Field	Details
`Request-Timestamp` `string`date-time	ISO 8601 UTC timestamp of the request. Used for idempotency and audit.
`Request-ID` `string`	Use a global unique identifier [GUID] for the request. Constraints Minimum length: 1 characterMaximum length: 50 characters

Request Bodyrequired

Field	Details
`order_amount` `object`required2 nested fields	Monetary amount with currency.
`product_details` `ProductDetail[]`4 nested fields	Mandatory for Brand EMI. Contains product details.
`cart_coupon_discount_amount` `object`2 nested fields	Monetary amount with currency.
`issuer` `object`1 nested field	Issuer identification details.

Response

Field	Details
`downpayment_details` `object`3 nested fields	Down payment calculation details.
`amount_range` `object`2 nested fields	Allowed down payment range.
`amount_milestone_list` `Amount[]`2 nested fields	Suggested down payment milestones.
`allowed_payment_methods` `string[]`	Payment methods allowed for down payment. Constraints Allowed item values: `CARDUPIPOINTSNETBANKINGWALLET`

Status Codes

`200`	Down payment details retrieved successfully.
`400`	The request was malformed or missing required fields.
`401`	Authentication failed — missing, expired, or invalid Bearer token.
`500`	An unexpected error occurred on the server.

Run

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' \
  --header 'Request-ID: a1b2c3d4-e5f6-7890-abcd-ef1234567890' \
  --header 'Request-Timestamp: 2024-10-01T10:30:00Z' \
  --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"
  }
}'

Status:

{
  "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"
    ]
  }
}