Create Offer Discovery API
POST
/api/affordability/v1/offer/discoveryUse this API to discover offers available on cart amount or product and calculate the EMI.
Requires
Bearer token. Get token →Header Parameters
| Field | Details |
|---|---|
Request-Timestampstringdate-time | ISO 8601 UTC timestamp of the request. Used for idempotency and audit. |
Request-IDstring | Use a global unique identifier [GUID] for the request. Constraints Minimum length: 1 characterMaximum length: 50 characters |
Request Bodyrequired
| Field | Details |
|---|---|
order_amountobjectrequired2 nested fields | An object that contains the transaction amount details. |
product_detailsobject[]3 nested fields | Mandatory for Brand EMI. An object that contains product details. |
cart_coupon_discount_amountobject2 nested fields | An object that contains the cart coupon discount amount details. |
issuerobject4 nested fields | An object that contains the issuer details. |
downpayment_detailsobject1 nested field | Mandatory for EMI with Downpayment. An object that contains the downpayment amount details. |
payment_optionsobject2 nested fields | An object that contains the details of the payment options. You can use either |
customer_detailsobject1 nested field | An object that contains the customer details. |
Response
| Field | Details |
|---|---|
issuersIssuerOffer[]7 nested fields | List of issuers with available offers. |
idstring | Unique identifier of the issuer id in the Pine Labs Online database. |
namestring | Name of the Issuer. |
display_namestring | Name of the issuer offering the offer. |
issuer_typestring | The type of the Issuer offering the offer. Allowed values: CC_BANKDC_BANKCARDLESS_BANKCC_NBFCDC_NBFCCARDLESS_NBFCNTBNTB_BANKNTB_NBFC |
priorityinteger | The priority of the issuer providing the offer. |
tenuresTenure[]27 nested fields | Available EMI tenures for this issuer. |
issuer_dataobject12 nested fields | Issuer-specific data including OTP and consent details. |
Status Codes
200 | 200 |
400 | 400 |
422 | 422 |
Request
curl -X POST "https://api.pluralpay.in/api/affordability/v1/offer/discovery" \
-H "Authorization: Bearer $ACCESS_TOKEN" \
-H "Content-Type: application/json" \
-d '{
"order_amount": {
"currency": "INR",
"value": 1200000
},
"issuer": {
"bin": "60100000"
}
}'{
"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": [],
"auth_amount": {
"currency": "INR",
"value": 1200000
},
"loan_amount": {
"currency": "INR",
"value": 1200000
},
"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
},
"interest_rate_percentage": 16,
"processing_fee_details": {
"amount": {
"currency": "INR",
"value": 19900
}
},
"downpayment_details": {
"downpayment_amount": {
"currency": "INR",
"value": 19900
}
},
"emi_type": "STANDARD"
},
{
"tenure_id": "2",
"name": "6 Months",
"tenure_type": "MONTH",
"tenure_value": 6,
"issuer_offer_parameters": [
{
"program_type": "BANK_EMI",
"offer_id": "1563",
"offer_parameter_id": "63813"
}
],
"details": [],
"auth_amount": {
"currency": "INR",
"value": 1200000
},
"loan_amount": {
"currency": "INR",
"value": 1200000
},
"net_payment_amount": {
"currency": "INR",
"value": 1256616
},
"monthly_emi_amount": {
"currency": "INR",
"value": 209436
},
"total_emi_amount": {
"currency": "INR",
"value": 1256616
},
"interest_amount": {
"currency": "INR",
"value": 56616
},
"interest_rate_percentage": 16,
"processing_fee_details": {
"amount": {
"currency": "INR",
"value": 19900
}
},
"downpayment_details": {
"downpayment_amount": {
"currency": "INR",
"value": 19900
}
},
"emi_type": "STANDARD"
},
{
"tenure_id": "3",
"name": "9 Months",
"tenure_type": "MONTH",
"tenure_value": 9,
"issuer_offer_parameters": [
{
"program_type": "BANK_EMI",
"offer_id": "1563",
"offer_parameter_id": "63813"
}
],
"details": [],
"auth_amount": {
"currency": "INR",
"value": 1200000
},
"loan_amount": {
"currency": "INR",
"value": 1200000
},
"net_payment_amount": {
"currency": "INR",
"value": 1281411
},
"monthly_emi_amount": {
"currency": "INR",
"value": 142379
},
"total_emi_amount": {
"currency": "INR",
"value": 1281411
},
"interest_amount": {
"currency": "INR",
"value": 81411
},
"interest_rate_percentage": 16,
"processing_fee_details": {
"amount": {
"currency": "INR",
"value": 19900
}
},
"downpayment_details": {
"downpayment_amount": {
"currency": "INR",
"value": 19900
}
},
"emi_type": "STANDARD"
},
{
"tenure_id": "4",
"name": "12 Months",
"tenure_type": "MONTH",
"tenure_value": 12,
"issuer_offer_parameters": [
{
"program_type": "BANK_EMI",
"offer_id": "1563",
"offer_parameter_id": "63813"
}
],
"details": [],
"auth_amount": {
"currency": "INR",
"value": 1200000
},
"loan_amount": {
"currency": "INR",
"value": 1200000
},
"net_payment_amount": {
"currency": "INR",
"value": 1306524
},
"monthly_emi_amount": {
"currency": "INR",
"value": 108877
},
"total_emi_amount": {
"currency": "INR",
"value": 1306524
},
"interest_amount": {
"currency": "INR",
"value": 106524
},
"interest_rate_percentage": 16,
"processing_fee_details": {
"amount": {
"currency": "INR",
"value": 19900
}
},
"downpayment_details": {
"downpayment_amount": {
"currency": "INR",
"value": 19900
}
},
"emi_type": "STANDARD"
},
{
"tenure_id": "5",
"name": "18 Months",
"tenure_type": "MONTH",
"tenure_value": 18,
"issuer_offer_parameters": [
{
"program_type": "BANK_EMI",
"offer_id": "1563",
"offer_parameter_id": "63813"
}
],
"details": [],
"auth_amount": {
"currency": "INR",
"value": 1200000
},
"loan_amount": {
"currency": "INR",
"value": 1200000
},
"net_payment_amount": {
"currency": "INR",
"value": 1357686
},
"monthly_emi_amount": {
"currency": "INR",
"value": 75427
},
"total_emi_amount": {
"currency": "INR",
"value": 1357686
},
"interest_amount": {
"currency": "INR",
"value": 157686
},
"interest_rate_percentage": 16,
"processing_fee_details": {
"amount": {
"currency": "INR",
"value": 19900
}
},
"downpayment_details": {
"downpayment_amount": {
"currency": "INR",
"value": 19900
}
},
"emi_type": "STANDARD"
},
{
"tenure_id": "6",
"name": "24 Months",
"tenure_type": "MONTH",
"tenure_value": 24,
"issuer_offer_parameters": [
{
"program_type": "BANK_EMI",
"offer_id": "1563",
"offer_parameter_id": "63813"
}
],
"details": [],
"auth_amount": {
"currency": "INR",
"value": 1200000
},
"loan_amount": {
"currency": "INR",
"value": 1200000
},
"net_payment_amount": {
"currency": "INR",
"value": 1410120
},
"monthly_emi_amount": {
"currency": "INR",
"value": 58755
},
"total_emi_amount": {
"currency": "INR",
"value": 1410120
},
"interest_amount": {
"currency": "INR",
"value": 210120
},
"interest_rate_percentage": 16,
"processing_fee_details": {
"amount": {
"currency": "INR",
"value": 19900
}
},
"downpayment_details": {
"downpayment_amount": {
"currency": "INR",
"value": 19900
}
},
"emi_type": "STANDARD"
}
],
"issuer_data": {
"otp_length": 5,
"otp_time_in_sec": 180,
"otp_retry_count": 5,
"is_consent_page_required": true,
"consent_data": "<div classname=concent-container><div classname=concentTitle>Consent Clause :</div></div>",
"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
}
}
]
}