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Get offers worth ₹35 lakhs &unlock growth 
Get offers worth ₹35 lakhs 
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Get offers worth ₹35 lakhs &unlock growth 
Get offers worth ₹35 lakhs 

Why Affordability

Higher Spends Icon
Higher Spends per Customer
Businesses have seen as much as a 30% increase in Average Transaction Value
New Acquire Icon
Acquire New Customers
Premium products are now accessible to a new segment of customers
Explosive Growth Icon
Explosive Growth
Projected to grow 20x in next 5 years
Reduce Marketing Icon
Reduce Marketing Spends
Free promotions on a massive base of EMI & PayLater users
Next Thing Icon
The Next Big Thing
Already contributes to over 20% of GMV for the eCom giants
Maintain Capetative Icon
Maintain Competitive Parity
These methods are already being offered by many of the big online players
“Just with a few configuration changes we were able to offer options like EMI, Cardless EMI, Paylater etc.”
Aman Agarwal
Engineering Lead, Payments - CureFit
EMI
Make your products more affordable by bringing down the upfront cost
Credit Card EMI
Make your products more affordable by reducing the upfront payment amount. Available across 12+ banks.
Debit Card EMIsNEW
Make your products more affordable for India’s masses. Enable access to EMIs for Debit card users and increase penetration across Tier 2 and Tier 3 towns.
Cardless EMIs
100% Digital EMIs, no need of Credit or Debit cards. Enable access to EMIs for a large segment of consumers,who do not have access to a credit card
EMI Illustration Image
PayLater
Let your customers Shop Now & Pay later, even without access to a Credit Card
Virtual Credit card that allows users to buy products that they may not be able to immediately pay for
Enables a ‘One Click’ payment offering a superior customer experience
Popular among Youth segment consumers
PayLater Icon 1
PayLater Icon 2
PayLater Icon 3
Run Customer Offers via Razorpay
Create customer offers & no cost EMIs through the Razorpay dashboard. No Coding required.
Create offers at the click of a button
Offers will automatically start reflecting in the Razorpay Checkout
Razorpay customers have seen as much as a 35% increase in sales through Offers.

Offer a payments experience
people love to talk about

Frequently Asked Questions

FAQ's

What are the issuers that Razorpay supports for each Affordability method?
What are the issuers that Razorpay supports for each Affordability method?

Credit Card EMI - 12+ leading issuers including Amex, HDFC, ICICI & SBI. Click here for complete list.
Debit Card EMI - HDFC Bank
Cardless EMI - Zestmoney, Instacred and Early Salary
PayLater - ICICI PayLater, Simpl, ePaylater

What is the difference between Cardless EMI & PayLater?
What is the difference between Cardless EMI & PayLater?

Cardless EMI is a 100% digital EMI option that allows your customer to pay in easy instalments even without access to a credit or debit card. Customers usually use this method to make higher value payments.

PayLater - PayLater is a virtual credit card that lets you shop now and pay later. It provides Zero Interest digital credit for a period of 14-45 days(varies by provider ). Our Partners for PayLater are - ICICI PayLater, Simpl, ePaylater

How can my customer use Paylater?
How can my customer use Paylater?

PayLater is available as a payment option for RazorPay's checkout. For making a payment, customers would have to be registered with any of Razorpay’s Paylater partners.

How can my customers use Cardless EMI?
How can my customers use Cardless EMI?

Cardless EMI is available as a payment option in the EMI section of RazorPay’s checkout. For making a payment, customers would have to be registered with any of Razorpay’s Cardless EMI partners.

How do I create Offers & No Cost EMI’s through Razorpay?
How do I create Offers & No Cost EMI’s through Razorpay?

Merchants can create Offers & No Cost EMI’s through the Razorpay dashboard with a few clicks. No Coding required.

  • 1. Login to the Razorpay Dashboard
  • 2. Click ‘Offers’ in the left side panel
  • 3. Click ‘Create Offers’ or ‘Create No Cost EMIs’
  • What are the issuers that Razorpay supports for each Affordability method?

    Credit Card EMI - 12+ leading issuers including Amex, HDFC, ICICI & SBI. Click here for complete list.
    Debit Card EMI - HDFC Bank
    Cardless EMI - Zestmoney, Instacred and Early Salary
    PayLater - ICICI PayLater, Simpl, ePaylater

    What is the difference between Cardless EMI & PayLater?

    Cardless EMI is a 100% digital EMI option that allows your customer to pay in easy instalments even without access to a credit or debit card. Customers usually use this method to make higher value payments.

    PayLater - PayLater is a virtual credit card that lets you shop now and pay later. It provides Zero Interest digital credit for a period of 14-45 days(varies by provider ). Our Partners for PayLater are - ICICI PayLater, Simpl, ePaylater

    How can my customer use Paylater?

    PayLater is available as a payment option for RazorPay's checkout. For making a payment, customers would have to be registered with any of Razorpay’s Paylater partners.

    How can my customers use Cardless EMI?

    Cardless EMI is available as a payment option in the EMI section of RazorPay’s checkout. For making a payment, customers would have to be registered with any of Razorpay’s Cardless EMI partners.

    How do I create Offers & No Cost EMI’s through Razorpay?

    Merchants can create Offers & No Cost EMI’s through the Razorpay dashboard with a few clicks. No Coding required.

  • 1. Login to the Razorpay Dashboard
  • 2. Click ‘Offers’ in the left side panel
  • 3. Click ‘Create Offers’ or ‘Create No Cost EMIs’
  • Supercharge your business with Razorpay

    Sign up now to experience the future of payments and offer your customers the best checkout experience.

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