Cardless EMI - Merchant Hosted Checkout Integration

When your customer wants to opt for the Cardless EMI option, you can use the EMI APIs to check the customer’s eligibility and get the EMI amount, interest, processing fee, or No-Cost EMI and tenure. If the customer is eligible, you can post the Cardless EMI transaction.

Step 1: Check the cardless EMI eligibility

After collecting the customer’s mobile number and the amount to be paid, check the Cardless EMI eligibility based on the customer’s mobile using the Get Checkout Details API (get_checkout_details) API. For more information, refer to Get Checkout Details API

Step 2: Initiate the payment and check response

Post the following additional parameters for using the Cardless EMI. Check the response when you try enter the values in API Reference. For complete list of parameters, refer to Collect Payment API - EMI for the complete list parameters with Try It experience.

mandatory for ICICI and HDFC Bank Cardless EMI. Not mandatory for other banks
String <PAN number of the customer.ABCTY1234D
String It defines the payment category that the merchant wants the customer to see by default on the PayU’s payment page. In this example, "EMI" must be specified.EMI
String Post this parameter to identify payment options with unique bank codes for cardless EMI. For the list of EMI codes, refer to EMI Codes.HDFCCL06
mandatory only for Bajaj Finserv
String This parameter must contain the Bajaj Finserv EMI Card Number entered by the customer for the transaction.2030405098735641


Notes for panNumber:

  • Only 4-digit number of the PAN**: Pass the 4-digit numeral in a sequential order as in the PAN.
  • This parameter is mandatory for ICICI Bank and HDFC Bank Cardless EMI. Not mandatory for other banks
  • The data validation performed is either the whole PAN card number or 4-dig-t number of the PAN.
    • Whole PAN card Number: For validating the whole PAN Card number:
      • It should be ten characters long.
      • The first five characters should be any upper case alphabets.
      • The next four-characters should be any number from 0 to 9.
      • The last(tenth) character should be any upper case alphabet. It should not contain any white spaces.

Sample request

curl -X POST " "accept: application/json" -H "Content-Type: application/x-www-form-urlencoded" -d"key=JP***g&txnid=EaE4ZO3vU4iPsp&amount=10.00&firstname=Ashish&[email protected]&phone=9876543210&productinfo=iPhone&pg=EMI&bankcode=EMI03&surl= 4567 2456 3566&storecard_token_type=1&additional_info={“last4Digits”: “1234”, “tavv”: “ABCDEFGH”,”trid”:”1234567890”, “tokenRefNo”:”abcde123456”}&hash=fc3206829a6b4f8e300aeefb8f91add568b83dc90d01383a8e16553cc9600a3aefd4be2e370d32f0315ef1b9f28740515a9556b55abfefa7b54b434f894c9304"

Sample response

    [mihpayid] => 403993715523602563
    [status] => success
    [unmappedstatus] => captured
    [key] => smsplus
    [txnid] => v2tWbbdUOuacK9
    [amount] => 20000.00
    [discount] => 0.00
    [net_amount_debit] => 20000.00
    [addedon] => 2021-07-27 11:14:44
    [productinfo] => iPhone
    [firstname] => Ashish
    [lastname] => 
    [address1] => 
    [address2] => 
    [city] => 
    [state] => 
    [country] => 
    [zipcode] => 
    [email] => [email protected]
    [phone] => 1234567890
    [udf1] => 
    [udf2] => 
    [udf3] => 
    [udf4] => 
    [udf5] => 
    [udf6] => 
    [udf7] => 
    [udf8] => 
    [udf9] => 
    [udf10] => 
    [hash] => 10f8ead10cdf5f9b7bf9046987de046d63d62d6679dded9d5da8145f459066943570eec4aa184494ae77f99a8bcd55452af3c4eff0d7a7d3ba809c97b7c73045
[field1] => 0608273386032718000015
    [field2] => 986987
    [field3] => 10.00
    [field4] => 403993715524069222
    [field5] => 100
    [field6] => 02
    [field7] => AUTHPOSITIVE
    [field8] => 
    [field9] => Transaction is Successful    [payment_source] => payu
    [PG_TYPE] => EMI-PG
    [bank_ref_num] => 3d7cc4a4-00c8-4705-a0e7-5708d2c2bb75
    [bankcode]=> EMIA3
    [error] => E000
    [error_Message] => No Error
    [name_on_card] => payu
    [cardnum] =>XXXXXXXXXXXX1234