Eligibility Check on Standard Checkout

Boost success rate with Eligibility Check on Razorpay Checkout for Debit Card EMI, Cardless EMI and Pay Later payment options.


Razorpay offers a pre-eligibility check on Debit Card EMI, Cardless EMI, and Pay Later instruments. By assessing eligibility upfront, your customers can effortlessly choose the most relevant affordability option and complete the purchase quickly.

Handy Tips

  • This feature is available by default.
  • The eligibility check is performed only for , , and .
  • Eligibility check is not applicable for Credit Card EMI as it is a pre-eligible form of credit.

  • Higher Success Rate
    Increase the success rate of transactions with Affordability instruments by displaying only eligible payment options, thereby reducing failed transactions due to ineligibility.

  • Enhance Customer Experience: Deliver a seamless customer experience through an intuitive UI that enables customers to discover and choose the most relevant affordable options.

A customer selects the products on your website or app and proceeds to Checkout. After choosing EMI or Pay Later as the payment method, the customer can differentiate between the eligible and ineligible payment options. They can opt for an eligible payment option to complete the payment.

View eligible payment options
  • Eligible: The customer selects an eligible payment instrument and completes the payment successfully.

  • Ineligible: The customer can view the reason for ineligibility as highlighted below.

    Highlight ineligible payment instruments

    To proceed with the payment in case of ineligibility, the customer can choose to:

    • Use a different mobile number for the chosen payment method and try again.
    • Opt for a different payment instrument/method.
    Demo for ineligible flow

The table below provides a list of reasons for customer ineligibility with payment methods/instruments and their descriptions:

View the list of payment methods/instruments and providers on which eligibility check is performed:

HDFC Bank


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