EMI solutions to increase affordability | Pine Labs


Delight customers with affordable EMIs and more

Make your products affordable through no-cost, convenient EMIs, cashback offers and discounts directly
at the point of sale.

  • Leverage the largest network of credit and debit card issuers

    Benefit from affordability schemes across stores on top 14 issuers with 38 million+ customers.

  • Accelerate business growth

    Increase your ticket size, grow first-time customers with convenient, no-cost EMIs.

  • Increase customer retention

    Sell more with instant EMIs at low rates, discounts and cashbacks.

EMI Calculator

Calculate your EMI now

Calculate your EMI now


First-of-its-kind EMI on debit cards

Harness 30 million+ customers of HDFC Bank, Axis Bank, SBI Bank and more large issuers.

First-of-its-kind EMI on debit cards

Dynamic offers

Run targeted campaigns, no extra cost EMI and additional cashback offers.

Dynamic offers

End-to-end program management

Single point of contact for activation of EMIs across multiple issuers, subvention collection and settlement.

End-to-end program management

Participating Banks

Terms and conditions for merchant outlets, stores, and entities who have opted for an EMI facility

  1. An annualized interest rate (on reducing balance) will be charged by the issuer bank to its customer (cardholder).
  2. The minimum transaction amount on which EMI can be offered is set as per the respective card issuer bank.
  3. The EMI option for the respective issuer bank cards and the corresponding rates are applicable and subject to approval from issuer banks.
  4. Rates are subject to change with prior intimation from respective issuer banks.
  5. Availability of any new or existing issuer bank under instant EMI and bank EMI is subject to change as instructed by the issuer bank and shall be communicated accordingly.
  6. The EMI option on debit cards is available only on selected HDFC Bank and Axis Bank debit card transactions.
  7. All service taxes, GST, other applicable taxes, duties, levies, and surcharges shall be charged over and above the interest amount.
  8. Pine Labs or card industry stakeholders like banks and card associations (Visa, Mastercard, American Express®, Diner, JCB, Rupay) can print any campaign or promotional details on the customer charge-slip that is printed on Pine Labs’ EDC devices.
  9. The merchant agrees not to advertise, market or publicize in any manner whatsoever, the said EMI schemes as ‘zero percent’ or ‘interest free’ in letter and in spirit.

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See how our Affordability solutions can help your business.

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