Cardless EMI - Standard Checkout

Provide easy EMI payment options to your customers at Razorpay Standard Checkout. Customers can make automatic EMI payments without using any credit or debit card.


Using Razorpay, you can let your customers use Cardless EMI as a payment method to convert their payment amount to EMIs without a debit or credit card. Customers enjoy the benefits of the EMI as the payments are made using credits approved by the supported Cardless EMI Payment Partners.

Feature Enablement

Cardless EMI as a payment method is not enabled by default. Raise a request with our

to enable this feature.

Given below is a diagram that explains the payment flow for Cardless EMI:

Customers select the products on your website or app and proceed to Checkout. On the Checkout page, the customers:

  1. Enter the Phone Number and Email and click Proceed.

    Checkout
  2. Select EMI as the payment method and click Continue.

    Checkout EMI
  3. Enter the OTP sent to their mobile number if they want to use their saved cards and click Verify.

  4. Select a preferred option from the Bank EMI or Other EMI options section and click Continue.

    EMI
  5. Select Cardless.

    EMI Type
  6. Enter the Registered Mobile Number and check if their number is eligible.

    EMI tenure

After the successful payment, Razorpay redirects customers to your application or website. Customers' monthly statements will reflect the EMI amount with interest charged by the bank.

You will receive the entire payment amount from the Cardless EMI service provider. Based on the terms and conditions, the customer pays the total payment amount with additional interest (if any) as EMIs to the provider.

Watch Out!

Instant Refunds are not supported on EMI, Cardless EMI and Pay Later.

Following is the list of supported Payment Partners for Cardless EMI and the minimum order amount stipulated by them:

BanksProvider CodeMinimum Order Amount
HDFC Bankhdfc₹5000
Bank of Barodabarb₹5000
Kotak Bankkkbk₹5000
ICICI Bankicic₹5000
IDFC Bankidfb₹5000
Federal Bankfdrl₹5000
Home Credithcin₹500

Payment PartnersProvider CodeMinimum Order Amount
EarlySalaryearlysalary₹3000
ZestMoneyzestmoney₹99
axiowalnut369₹900

Handy Tips

Refer to the FAQs to know the standard interest rates charged by: