The Get EMI Amount According to Interest API (getEmiAmountAccordingToInterest API) is used to get the EMI interest bank rates for all the enabled EMIs.

Sample request

curl -X POST "https://test.payu.in/merchant/postservice?form=2" \
-H "accept: application/json" \
-H "Content-Type: application/x-www-form-urlencoded" \
-d "key=JP***g&command=getEmiAmountAccordingToInterest&var1=20000&hash=3b16384427372f658244a106258790df9ed601e3c1dcd1f43d08f7e616bfe907f095947491baa3ec8629d33b3903e8b1e0a1872aa009c5f5c34b06466311dc95"

import requests

url = "https://test.payu.in/merchant/postservice?form=2"

headers = {
    "accept": "application/json",
    "Content-Type": "application/x-www-form-urlencoded"
}

data = {
    "key": "JP***g",
    "command": "getEmiAmountAccordingToInterest",
    "var1": "20000",
    "hash": "3b16384427372f658244a106258790df9ed601e3c1dcd1f43d08f7e616bfe907f095947491baa3ec8629d33b3903e8b1e0a1872aa009c5f5c34b06466311dc95"
}

try:
    response = requests.post(url, headers=headers, data=data)
    print(f"Status Code: {response.status_code}")
    print(f"Response: {response.text}")
except requests.exceptions.RequestException as e:
    print(f"Error: {e}")

async function makeRequest() {
    const url = "https://test.payu.in/merchant/postservice?form=2";
    
    const headers = {
        "accept": "application/json",
        "Content-Type": "application/x-www-form-urlencoded"
    };

    const formData = new URLSearchParams({
        "key": "JP***g",
        "command": "getEmiAmountAccordingToInterest",
        "var1": "20000",
        "hash": "3b16384427372f658244a106258790df9ed601e3c1dcd1f43d08f7e616bfe907f095947491baa3ec8629d33b3903e8b1e0a1872aa009c5f5c34b06466311dc95"
    });

    try {
        const response = await fetch(url, {
            method: "POST",
            headers: headers,
            body: formData
        });
        
        const responseText = await response.text();
        console.log(`Status Code: ${response.status}`);
        console.log(`Response: ${responseText}`);
    } catch (error) {
        console.error(`Error: ${error.message}`);
    }
}

makeRequest();

import java.net.URI;
import java.net.http.HttpClient;
import java.net.http.HttpRequest;
import java.net.http.HttpResponse;
import java.time.Duration;

public class ApiRequest {
    public static void main(String[] args) {
        try {
            String url = "https://test.payu.in/merchant/postservice?form=2";
            
            String formData = "key=JP***g&command=getEmiAmountAccordingToInterest&var1=20000&hash=3b16384427372f658244a106258790df9ed601e3c1dcd1f43d08f7e616bfe907f095947491baa3ec8629d33b3903e8b1e0a1872aa009c5f5c34b06466311dc95";
            
            HttpClient client = HttpClient.newBuilder()
                .connectTimeout(Duration.ofSeconds(10))
                .build();

            HttpRequest request = HttpRequest.newBuilder()
                .uri(URI.create(url))
                .header("accept", "application/json")
                .header("Content-Type", "application/x-www-form-urlencoded")
                .POST(HttpRequest.BodyPublishers.ofString(formData))
                .build();

            HttpResponse<String> response = client.send(request, HttpResponse.BodyHandlers.ofString());
            
            System.out.println("Status Code: " + response.statusCode());
            System.out.println("Response: " + response.body());
        } catch (Exception e) {
            System.err.println("Error: " + e.getMessage());
        }
    }
}

using System;
using System.Collections.Generic;
using System.Net.Http;
using System.Threading.Tasks;

class Program
{
    private static readonly HttpClient client = new HttpClient();

    static async Task Main(string[] args)
    {
        try
        {
            string url = "https://test.payu.in/merchant/postservice?form=2";
            
            client.DefaultRequestHeaders.Add("accept", "application/json");

            var formData = new List<KeyValuePair<string, string>>
            {
                new KeyValuePair<string, string>("key", "JP***g"),
                new KeyValuePair<string, string>("command", "getEmiAmountAccordingToInterest"),
                new KeyValuePair<string, string>("var1", "20000"),
                new KeyValuePair<string, string>("hash", "3b16384427372f658244a106258790df9ed601e3c1dcd1f43d08f7e616bfe907f095947491baa3ec8629d33b3903e8b1e0a1872aa009c5f5c34b06466311dc95")
            };

            var formContent = new FormUrlEncodedContent(formData);
            HttpResponseMessage response = await client.PostAsync(url, formContent);
            string responseBody = await response.Content.ReadAsStringAsync();
            
            Console.WriteLine($"Status Code: {response.StatusCode}");
            Console.WriteLine($"Response: {responseBody}");
        }
        catch (HttpRequestException ex)
        {
            Console.WriteLine($"Error: {ex.Message}");
        }
    }
}

<?php
$url = "https://test.payu.in/merchant/postservice?form=2";

$headers = [
    "accept: application/json",
    "Content-Type: application/x-www-form-urlencoded"
];

$postData = [
    "key" => "JP***g",
    "command" => "getEmiAmountAccordingToInterest",
    "var1" => "20000",
    "hash" => "3b16384427372f658244a106258790df9ed601e3c1dcd1f43d08f7e616bfe907f095947491baa3ec8629d33b3903e8b1e0a1872aa009c5f5c34b06466311dc95"
];

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url);
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($postData));
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_FOLLOWLOCATION, true);

$response = curl_exec($ch);
$httpCode = curl_getinfo($ch, CURLINFO_HTTP_CODE);

if (curl_errno($ch)) {
    echo "Error: " . curl_error($ch) . "\n";
} else {
    echo "Status Code: " . $httpCode . "\n";
    echo "Response: " . $response . "\n";
}

curl_close($ch);
?>

Sample response

{
  "7": {
    "EMIA3": {
      "transactionAmount": 100000,
      "paybackAmount": 0,
      "loanAmount": 100000,
      "emiAmount": 33333.33,
      "additionalCost": "0.00",
      "emiMdrNote": null,
      "emiBankInterest": 16,
      "bankRate": null,
      "bankCharge": 0,
      "amount": 33333.33,
      "card_type": "credit card",
      "emi_value": 34226.15,
      "emi_interest_paid": 2678.44,
      "tenure": "03 months"
    },
    /* Additional entries omitted for brevity */
  }
}

Response parameters

The response includes the JSON array and each JSON has the fields as described in the following table:

📘
Reference: In the JSON Array of the response of the Get EMI Amount According to Interest API, the code displayed for the each issuer (at the beginning of each object). The significance of these codes are described in EMI Options for Get EMI According to Interest API.

Parameter	Description	Example
transactionAmount	The transaction amount that is will be converted into EMI.	20000
loanAmount	The loan amount that needs to be converted as EMI.	20000
emiAmount	The amount that needs to be converted as EMI.	20000
additionalCost	The processing fee or additional cost for processing the EMI excluding interest.	0.00
emiMdrNote	The EMI Merchant Discount Rate (MDR) note if any for the transaction.	0.25
bankRate	The interest rate in percentage for the EMI. This is excluding the processing fee. For example, 12%, 18%, 24%, etc.	13
bankCharge	The bank charges for the EMI transaction.	0
amount	The principal part of the EMI.	6666.67
card_type	The card type used by the customer and can be any of the following: * credit card * debit card	credit card
emi_value	The amount to be paid per EMI.	6811.63
emi_interest_paid	The total interest paid for all the EMIs.	434.89
tenure	The tenure for the EMI in months. For example, 3, 6, 12, 24, 36, etc.	3

Request parameters

Additional information for request parameters

Use the following sample values while trying out the API:

Parameter

Reference

key

For more information on how to generate the Key and Salt, refer to any of the following:

Production: Generate Merchant Key and Salt
Test: Generate Test Merchant Key and Salt

hash

Hash logic for this API is: sha512(key|command|var1|salt) sha512 For more information about the hash generation process, refer to Encryption of Request.

var1

For JSON fields description, refer to Additional Info for General APIs

Example values:

var1: Any amount.

200

EXAMPLE QUESTIONS