Integrate Payment Methods in Custom Checkout

You can integrate the following payment methods at Checkout to make your products or services more affordable for the customers:

Cardless EMI
Use Cardless EMI to convert their payment amount to EMIs, without a debit or a credit card. This makes high-value products affordable for customers, as they can purchase without a large down payment. Some of the Cardless EMI providers in the market are InstaCred, EarlySalary and Zestmoney.
Debit and Credit Card EMI
EMI is a popular payment method that customers prefer to reduce upfront product payments. The EMIs are available on both debit cards and credit cards.
Pay Later
Pay Later offers digital credit to your customers, allowing them to purchase products without making an immediate payment. Some Pay Later providers in the market are FlexiPay by HDFC Bank, ICICI Pay Later, Simpl, and LazyPay.

Integration Steps

To submit the payment details, you must invoke the createPayment method. In this method, add the following parameters and the usual checkout parameters.

Cardless EMI is a checkout payment method that allows customers to convert their payment amount to EMIs. The user does not require a debit or credit card. Make payments via credits approved by the supported Cardless EMI payment partner.

Feature Request

This is an on-demand feature. Please raise a request with our

Support team

to get this feature activated on your Curlec account.

Watch Out!

The customer should be registered with the cardless EMI payment partner before a payment.

var data = {
  amount: 500000,
  currency: 'INR',
  email: 'gaurav.kumar@example.com',
  contact: '9000090000',
  order_id: 'order_EAkbvXiCJlwhHR',
  method: 'cardless_emi',
  provider: 'zestmoney'
});

Request Parameters

method

mandatory

string The payment method to be used by the customer to complete the payment. Here, the value must be cardless_emi.

provider

The Cardless EMI provider. Possible values:

barb
cshe
hdfc
icic
idfb
kkbk
krbe
zestmoney
earlysalary
tvsc
walnut369

Debit and Credit Card EMI

For EMIs, data is the same as the card, with the following differences:

method should be emi
An additional field, emi_duration corresponding to the number of months for EMI, should be included. After the customer selects the desired plan, pass the corresponding value in the emi_duration field.

razorpay.createPayment({
  amount: 300000,
  email: 'gaurav.kumar@example.com',
  contact: '9000090000',
  order_id: 'order_9A33XWu170gUtm',
  method: 'emi',
  emi_duration: 9,
  'card[name]': 'Gaurav Kumar',
  'card[number]': '5241810000000000',
  'card[cvv]': '123',
  'card[expiry_month]': '10',
  'card[expiry_year]': '30'
});

Request Parameters

method

mandatory

string The payment method to be used by the customer to complete the payment. Here, the value must be emi.

emi_duration

mandatory

integer Enter the duration of the EMI scheme in months. For example, 12.

card

The debit or credit card details should be entered when making the payment.

number

mandatory

integer Unformatted card number.

name

mandatory

string The name of the cardholder.

expiry_month

mandatory

integer Expiry month for the card in MM format.

expiry_year

mandatory

integer Expiry year for the card in YY format.

cvv

mandatory

integer CVV printed on the back of the card.

Handy Tips

CVV is not required by default for tokenised cards across all networks.
CVV is optional for tokenised card payments. Do not pass dummy CVV values.
To implement this change, skip passing the cvv parameter entirely, or pass a null or empty value in the CVV field.
We recommend removing the CVV field from your checkout UI/UX for tokenised cards.
If CVV is still collected for tokenised cards and the customer enters a CVV, pass the entered CVV value to Razorpay.

Fetch EMI Plans

To display the available EMI plans, use the Razorpay checkout helper methods to fetch and display the details of the EMI plans. You can use the event ready, as shown below:

var razorpay = new Razorpay(...); // as before

    /**
       * The above code remains the same.
       * You can fetch the available EMI plans by adding the below code in your options.
       */
razorpay.once('ready', function() {
  console.log(razorpay.methods.emi_plans);
  console.log(razorpay.methods.netbanking);
})

razorpay.methods.emi_plans

string Lists the EMI-supported banks with their respective interest rates.

razorpay.methods.netbanking

string Contains the list of all banks and bank codes.

Pay Later

razorpay.createPayment({
  amount: 200000,
  currency: 'INR',
  email: 'gaurav.kumar@example.com',
  contact: '9111145678',
  order_id: 'order_DPzFe1Q1dEObDv',
  method: 'paylater',
  provider: <provider_name>
});

Request Parameters

method

mandatory

string The payment method to be used by the customer to complete the payment. Here, the value must be Pay Later.

provider

mandatory

The Pay Later provider. Possible values:

rzpx_postpaid
getsimpl
icic
hdfc
lazypay

Watch Out!
LazyPay services are temporarily disabled.

Affordability Suite