Create Offer EMI

POST/api/affordability/v1/offer/validate

Use this API for validating applied offers.

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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
`payment_method` `string`required	Type of payment method you want to use to accept a payment. Accepted values:<ul><li>`CREDIT_EMI`</li><li>`DEBIT_EMI`</li><li>`CARDLESS_EMI`</li><li>`UPI`</ul></li>
`order_amount` `object`required2 nested fields	An object that contains order amount.
`payment_amount` `object`required2 nested fields	An object that contains the payment amount details after the offer has been applied. Note: Ensure you pass the `auth_amount` details. This `auth_amount` detail is returned through our Offer Discovery API response.
`payment_option` `object`required4 nested fields	An object that contains the details of the payment options. You can use either `card_details` or `card_token_details` or `cardless_details` or `upi_details` as a payment option. One object is mandatory to process the request.
`offer_data` `object`required1 nested field	An object that contains details related to the offer. Required for CREDIT_EMI, DEBIT_EMI, CARDLESS_EMI, and UPI payment methods.
`customer_details` `object`1 nested field	An object that contains details related to the customer.

Response

Field	Details
`code` `string`
`message` `string`

Status Codes

`200`	200
`400`	400

Example:

Run

Request

curl -X POST "https://api.pluralpay.in/api/affordability/v1/offer/validate" \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
  "payment_method": "CREDIT_EMI",
  "order_amount": {
    "value": 219900,
    "currency": "INR"
  },
  "payment_amount": {
    "value": 219900,
    "currency": "INR"
  },
  "payment_option": {
    "card_details": {
      "card_number": "4000000040001000",
      "registered_mobile_number": "9914152866"
    }
  },
  "offer_data": {
    "offer_details": {
      "id": "6",
      "name": "HDFC CC",
      "display_name": "HDFC BANK",
      "issuer_type": "CC_BANK",
      "priority": 1,
      "tenure": {
        "tenure_id": "6",
        "name": "24 Months",
        "tenure_type": "MONTH",
        "tenure_value": 24,
        "issuer_offer_parameters": [
          {
            "program_type": "BANK_EMI",
            "offer_id": "3498",
            "offer_parameter_id": "199796"
          },
          {
            "program_type": "MERCHANT_BANK_OFFER",
            "offer_id": "3678",
            "offer_parameter_id": "203706"
          }
        ],
        "details": [
          {
            "product_code": "xyz",
            "product_display_name": "Redmi Note 13 5G",
            "brand_name": "Xiaomi",
            "product_amount": {
              "currency": "INR",
              "value": 219900
            },
            "interest_amount": {
              "currency": "INR",
              "value": 38508
            },
            "interest_rate": 16,
            "downpayment_amount": {
              "currency": "INR",
              "value": 200000
            },
            "after_downpayment_reduced_product_amount": {
              "currency": "INR",
              "value": 200000
            },
            "bundle_id": "BUNDLE_002_OE3"
          }
        ],
        "auth_amount": {
          "currency": "INR",
          "value": 219900
        },
        "loan_amount": {
          "currency": "INR",
          "value": 219900
        },
        "net_payment_amount": {
          "currency": "INR",
          "value": 258408
        },
        "monthly_emi_amount": {
          "currency": "INR",
          "value": 10767
        },
        "total_emi_amount": {
          "currency": "INR",
          "value": 258408
        },
        "interest_amount": {
          "currency": "INR",
          "value": 38508
        },
        "interest_rate_percentage": 16,
        "split_emi_display_name": "Apple Live",
        "downpayment_details": {
          "downpayment_amount": {
            "currency": "INR",
            "value": 200000
          }
        },
        "emi_type": "STANDARD"
      }
    }
  }
}'

Status:

{
  "code": "ELIGIBLE",
  "message": "Offer is Eligible"
}