--- page_title: EMI Plans V2 product: SmartGateway TranPortal Integration page_source: https://smartgateway.hdfc.bank.in/docs/docs/smartgateway-tranportal-integration/docs/tranportal-integration/emi-plans-v2 openapi: https://smartgateway.hdfc.bank.in/docs/docs/api/swagger?document=https%3A%2F%2Fsmartgateway.hdfc.bank.in%2Fdocs%2Fdocs%2Fsmartgateway-tranportal-integration%2Fdocs%2Ftranportal-integration%2Femi-plans-v2 llms_txt: https://smartgateway.hdfc.bank.in/docs/docs/llms.txt product_llms_txt: https://smartgateway.hdfc.bank.in/docs/docs/smartgateway-tranportal-integration/llms.txt --- ## API Version: default # EMI Plans V2 EMI plans (V2) API will help a merchant in getting a consolidated list of the EMIs enabled on the merchant MIDs across gateways. The response would cover: * **Card EMIs** (Standard, No Cost & Low Cost) * **Cardless EMIs** (Standard, No Cost & Low Cost) The response of the API can be directly consumed by the merchant to show the monthly EMI amount and the interest levied to the end customers on the merchant checkout page. The merchant need not do any calculation even in case of Low/ No Cost EMI. ## Endpoints: - Sandbox: https://smartgateway.hdfcuat.bank.in/v2/emi/plans - Production: https://smartgateway.hdfc.bank.in/v2/emi/plans ## Request Type: POST ## Headers: #### Content-Type: application/x-www-form-urlencoded - Tags: String, Mandatory #### x-resellerid: Reseller ID provided by bank - Value: hdfc_reseller - Tags: String, Required ## Sample Code Snippets: ### Sample Request: #### Request Code Snippet: ```request curl --location 'https://smartgateway.hdfc.bank.in/v2/emi/plans' \ --header 'Content-Type: application/x-www-form-urlencoded' \ --header 'Authorization: Basic ' \ --data-urlencode 'merchant_id=merchant_id' \ --data-urlencode 'order_amount=1500' \ --data-urlencode 'mobile_number=9999999999' \ --data-urlencode 'order_basket=[{"id":"491838009","description":"Test Product","quantity":1,"unitPrice":1500,"category":"Electronics","sku":"12345","productUrl":"https://www.google.com","sellerType":"VENDOR","customParams":{"name1":"value1","name2":"value2"}}]' ``` ### Sample Response: #### Response: ```json { "cart_amount": "1500.00", "emi_plans": { "STANDARD_EMI": { "CREDIT": { "payment_method": "CARD", "payment_method_type": "CARD", "issuers": [ { "emi_bank": "HDFC", "issuer_name": "HDFC Bank", "juspay_bank_code": "JP_HDFC", "bank_plan_description": null, "tenures": [ { "additional_processing_fee": "352.82", "bank_interest_rate": "16.00", "tenure": 3, "total_amount_payable": "1540.17", "total_interest_amount": "40.17", "total_monthly_amount_payable": "513.39", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "HDFC_CC_EMI", "gateway_id": 269, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": { "value": "299.00", "user_message": "299 + GST is Applicable", "fee": "299.00", "gst": "53.82", "type": "ABSOLUTE" }, "schedule_of_charges": null, "offer_info": null, "auth_amount": "1500.00" }, { "additional_processing_fee": "352.82", "bank_interest_rate": "16.00", "tenure": 6, "total_amount_payable": "1570.80", "total_interest_amount": "70.80", "total_monthly_amount_payable": "261.80", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "HDFC_CC_EMI", "gateway_id": 269, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": { "value": "299.00", "user_message": "299 + GST is Applicable", "fee": "299.00", "gst": "53.82", "type": "ABSOLUTE" }, "schedule_of_charges": null, "offer_info": null, "auth_amount": "1500.00" }, { "additional_processing_fee": "352.82", "bank_interest_rate": "16.00", "tenure": 9, "total_amount_payable": "1601.73", "total_interest_amount": "101.73", "total_monthly_amount_payable": "177.97", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "HDFC_CC_EMI", "gateway_id": 269, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": { "value": "299.00", "user_message": "299 + GST is Applicable", "fee": "299.00", "gst": "53.82", "type": "ABSOLUTE" }, "schedule_of_charges": null, "offer_info": null, "auth_amount": "1500.00" }, { "additional_processing_fee": "352.82", "bank_interest_rate": "16.00", "tenure": 12, "total_amount_payable": "1633.20", "total_interest_amount": "133.20", "total_monthly_amount_payable": "136.10", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "HDFC_CC_EMI", "gateway_id": 269, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": { "value": "299.00", "user_message": "299 + GST is Applicable", "fee": "299.00", "gst": "53.82", "type": "ABSOLUTE" }, "schedule_of_charges": null, "offer_info": null, "auth_amount": "1500.00" } ] }, { "emi_bank": "ICICI", "issuer_name": "ICICI Bank", "juspay_bank_code": "JP_ICICI", "bank_plan_description": null, "tenures": [ { "additional_processing_fee": "234.82", "bank_interest_rate": "15.99", "tenure": 3, "total_amount_payable": "1540.14", "total_interest_amount": "40.14", "total_monthly_amount_payable": "513.38", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "CCAVENUE_V2", "gateway_id": 16, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": { "value": "199.00", "user_message": "199 + GST is Applicable", "fee": "199.00", "gst": "35.82", "type": "ABSOLUTE" }, "schedule_of_charges": null, "offer_info": null, "auth_amount": "1500.00" }, { "additional_processing_fee": "234.82", "bank_interest_rate": "15.99", "tenure": 6, "total_amount_payable": "1570.74", "total_interest_amount": "70.74", "total_monthly_amount_payable": "261.79", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "CCAVENUE_V2", "gateway_id": 16, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": { "value": "199.00", "user_message": "199 + GST is Applicable", "fee": "199.00", "gst": "35.82", "type": "ABSOLUTE" }, "schedule_of_charges": null, "offer_info": null, "auth_amount": "1500.00" }, { "additional_processing_fee": "234.82", "bank_interest_rate": "15.99", "tenure": 9, "total_amount_payable": "1601.73", "total_interest_amount": "101.73", "total_monthly_amount_payable": "177.97", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "CCAVENUE_V2", "gateway_id": 16, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": { "value": "199.00", "user_message": "199 + GST is Applicable", "fee": "199.00", "gst": "35.82", "type": "ABSOLUTE" }, "schedule_of_charges": null, "offer_info": null, "auth_amount": "1500.00" }, { "additional_processing_fee": "234.82", "bank_interest_rate": "15.99", "tenure": 12, "total_amount_payable": "1633.08", "total_interest_amount": "133.08", "total_monthly_amount_payable": "136.09", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "CCAVENUE_V2", "gateway_id": 16, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": { "value": "199.00", "user_message": "199 + GST is Applicable", "fee": "199.00", "gst": "35.82", "type": "ABSOLUTE" }, "schedule_of_charges": null, "offer_info": null, "auth_amount": "1500.00" }, { "additional_processing_fee": "234.82", "bank_interest_rate": "15.99", "tenure": 18, "total_amount_payable": "1697.04", "total_interest_amount": "197.04", "total_monthly_amount_payable": "94.28", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "CCAVENUE_V2", "gateway_id": 16, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": { "value": "199.00", "user_message": "199 + GST is Applicable", "fee": "199.00", "gst": "35.82", "type": "ABSOLUTE" }, "schedule_of_charges": null, "offer_info": null, "auth_amount": "1500.00" }, { "additional_processing_fee": "234.82", "bank_interest_rate": "15.99", "tenure": 24, "total_amount_payable": "1762.56", "total_interest_amount": "262.56", "total_monthly_amount_payable": "73.44", "total_instant_discount_amount": null, "total_cashback_amount": null, "product_details": null, "supported_gateways": [ { "gateway": "CCAVENUE_V2", "gateway_id": 16, "supported_features": null } ], "metadata": null, "offer_type": null, "offer_ids": null, "interest_discount_amount": null, "additional_discount_amount": null, "tnc": null, "txn_emi_type": "STANDARD_EMI", "other_payment_info": null, "kfs_link": null, "additional_processing_fee_info": { "value": "199.00", "user_message": "199 + GST is Applicable", "fee": "199.00", "gst": "35.82", "type": "ABSOLUTE" }, "schedule_of_charges": null, "offer_info": null, "auth_amount": "1500.00" } ] } ] }, "DEBIT": null, "CARDLESS": null }, "LOW_COST_EMI": null, "NO_COST_EMI": null }, "saved_instrument_emi_plans": null } ``` ## Body Parameters: ### Parameters: #### order_amount: - Description: Total order amount. Conditional (either order_id or amount are required) - Tags: integer #### order_id: - Description: SmartGateway Order ID. Conditional (either order_id or amount are required) - Tags: string #### merchant_id: - Description: ID of the merchant_account that you hold with us. - Tags: string, Mandatory #### customer_id: - Description: SmartGateway Customer identifier - Tags: string #### mobile_number: - Description: Customer Mobile number for eligibility check - Tags: integer #### order_basket: - Description: Order Basket Details - Value: - **Object**: - Value: - **Id**: - Description: The unique id of the item that is intended for the offer/EMI - Tags: String, Mandatory - **Description**: - Description: The description of the product - Tags: String - **Quantity**: - Description: The number of items against a particular product - Tags: double, Mandatory - **UnitPrice**: - Description: The price of the individual product - Tags: double, Mandatory - **Category**: - Description: The category of the product. Eg: Electronics - Tags: String - **Sku**: - Description: The unique identifier for a product. - Tags: String - **ProductURL**: - Description: The URL which contains the image of the product - Tags: String - **SellerType**: - Description: The type of the seller, may be Vendor, MarketPlace - Tags: String - **CustomParams**: - Description: If there are any additional params to be passed merchants can make use of customParams. It should be key value pair. - Tags: JSON - Tags: jSON - Tags: Array of objects #### gateway_reference_id: - Description: Pass gateway reference ID, if you need to filter plans accordingly - Tags: String ## API Responses: ### 200: #### cart_amount: - Description: Total order amount - Tags: string #### emi_plans: - Description: List all the EMI Plans supported by underlying PGs - Value: - **STANDARD_EMI**: - Value: - **Credit object**: - Value: - **Payment_method**: - Description: CARD - Tags: String - **Payment_method_type**: - Description: CARD - Tags: String - **Issuers**: - Description: List of Issuers providing EMI Plans to customer - Value: - **Emi_bank**: - Description: EMI Bank Identifier - Tags: String - **Issuer_name**: - Description: Name of Issuing Bank - Tags: String - **Juspay_bank_code**: - Description: JusPay Bank Code - Tags: String - **Bank_plan_description**: - Tags: String - **Tenures**: - Description: List of Tenures supported by the issuing bank - Value: - **Offer_type**: - Tags: String - **Additional_processing_fee**: - Description: Additional Processing Fee levied by certain issuers for EMI transactions - Tags: String - **Bank_interest_rate**: - Description: Interest Rate for specific tenure, annualized - Tags: String - **Tenure**: - Description: Tenure in months - Tags: String - **Total_amount_payable**: - Description: Total amount payable by customer inclusive ofinterest amount - Tags: String - **Total_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Total_monthly_amount_payable**: - Description: Total monthly EMI amount payable by customer - Tags: String - **Total_instant_discount_amount**: - Description: Total instant discount amount [EMI discount + any additional upfront discounts] - Tags: String - **Total_cashback_amount**: - Description: Total cashback amount, if applicable - Tags: String - **Interest_discount_amount**: - Description: Total interest discount amount, if applicable [No cost / Low cost] - Tags: String - **Supported_gateways**: - Description: List of gateways supporting the EMI Plans - Value: - **Gateway**: - Description: Gateway Name - Tags: String - **Gateway_id**: - Description: Juspay Gateway Identifier - Tags: Number - Tags: Array of objects - **Additional_discount_amount**: - Description: Total additional discount amount, if applicable [Bank offers etc.] - Tags: String - **Offer_ids**: - Description: List of offer Ids attached to the plan, applicable when Juspay offer engine is being used - Tags: Array of String - **Product_details**: - Description: List of all products supported for the plan and includes detailed split-up - Value: - **Product_id**: - Description: Product Identifier - Tags: String - **Product_amount**: - Description: Total Product Amount - Tags: String - **Bank_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Emi_instant_discount_amount**: - Description: Product wise additional Instant Discount, if applicable - Tags: String - **Emi_cashback_amount**: - Description: Product wise cashback amount, if applicable - Tags: String - **Additional_cashback_info**: - Description: Text field mentioning any additional cashback details, (Applicable for specific gateways) - Tags: String - **Interest_discount_amount**: - Description: Product wise interest discount amount, if applicable [No cost / Low cost] - Tags: String, Mandatory - Tags: Array of Objects - **Txn_emi_type**: - Description: emi_type to be passed in txns request. This value can vary from the root block if merchant is using Juspay offer engine for running EMI offers [STANDARD_EMI, NO_COST_EMI, LOW_COST_EMI] - Tags: String, Mandatory - Tags: Array of objects - Tags: Array of objects - Tags: object - **Debit object**: - Value: - **Payment_method**: - Description: CARD - Tags: String - **Payment_method_type**: - Description: CARD - Tags: String - **Issuers**: - Description: List of Issuers providing EMI Plans to customer - Value: - **Emi_bank**: - Description: EMI Bank Identifier - Tags: String - **Issuer_name**: - Description: Name of Issuing Bank - Tags: String - **Juspay_bank_code**: - Description: JusPay Bank Code - Tags: String - **Bank_plan_description**: - Tags: String - **Tenures**: - Description: List of Tenures supported by the issuing bank - Value: - **Offer_type**: - Tags: String - **Additional_processing_fee**: - Description: Additional Processing Fee levied by certain issuers for EMI transactions - Tags: String - **Bank_interest_rate**: - Description: Interest Rate for specific tenure - Tags: String - **Tenure**: - Description: Tenure in months - Tags: Integer - **Total_amount_payable**: - Description: Total amount payable by customer inclusive ofinterest amount - Tags: String - **Total_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Total_monthly_amount_payable**: - Description: Total monthly EMI amount payable by customer - Tags: String - **Total_instant_discount_amount**: - Description: Total instant discount amount [EMI discount + any additional upfront discounts] - Tags: String - **Total_cashback_amount**: - Description: Total cashback Amount, if applicable - Tags: String - **Additional_discount_amount**: - Description: Total additional discount amount, if applicable [Bank offers etc.] - Tags: String - **Interest_discount_amount**: - Description: Total interest discount amount, if applicable [No cost / Low cost] - Tags: String - **Supported_gateways**: - Description: List of gateways supporting the EMI Plans - Tags: Array of Objects - **Offer_ids**: - Description: List of offer Ids attached to the plan, applicable when Juspay offer engine is being used - Tags: Array of Strings - **Product_details**: - Value: - **Product_id**: - Description: Product Identifier - Tags: String - **Product_amount**: - Description: Total Product Amount - Tags: String - **Bank_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Emi_instant_discount_amount**: - Description: Product wise additional Instant Discount, if applicable - Tags: String - **Emi_cashback_amount**: - Description: Product wise cashback amount, if applicable - Tags: String - **Additional_cashback_info**: - Description: Text field mentioning any additional cashback details, (For specific gateways) - Tags: String - **Interest_discount_amount**: - Description: Product wise interest discount amount, if applicable [No cost / Low cost] - Tags: String - Tags: Array of objects - **Txn_emi_type**: - Description: emi_type to be passed in txns request. This value can vary from the root block if merchant is using Juspay offer engine for running EMI offers [STANDARD_EMI, NO_COST_EMI, LOW_COST_EMI] - Tags: String, Mandatory - Tags: Array of objects - Tags: Array of objects - Tags: String - **Cardless**: - Value: - **Payment_method**: - Description: FLEXMONEY/ ZESTMONEY/ SHOPSE. Note: Ignore this field and pick emi_bank field for passing payment_method in txns request for Cardless providers - Tags: String - **Payment_method_type**: - Description: CONSUMER_FINANCE - Tags: String - **Issuers**: - Description: List of Issuers providing EMI Plans to customer - Value: - **Emi_bank**: - Description: EMI Bank Identifier - Tags: String - **Issuer_name**: - Description: Name of Issuing Bank - Tags: String - **Juspay_bank_code**: - Description: JusPay Bank Code - Tags: String - **Tenures**: - Description: List of Tenures supported by the issuing bank - Value: - **Additional_processing_fee**: - Description: Additional Processing Fee levied by certain issuers for EMI transactions - Tags: String - **Bank_interest_rate**: - Description: Annualized interest rate - Tags: String - **Tenure**: - Description: Tenure in months - Tags: String - **Total_amount_payable**: - Description: Total amount payable by customer inclusive of interest amount - Tags: String - **Total_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Total_monthly_amount_payable**: - Description: Total monthly EMI amount payable by customer - Tags: String - **Total_instant_discount_amount**: - Description: Total instant discount amount [EMI discount + any additional upfront discounts] - Tags: String - **Total_cashback_amount**: - Description: Total cashback Amount, if applicable - Tags: String - **Interest_discount_amount**: - Description: Total interest discount amount, if applicable [No cost / Low cost] - Tags: String - **Additional_discount_amount**: - Description: Total additional discount amount, if applicable [Bank offers etc.] - Tags: String - **Supported_gateways**: - Description: List of gateways supporting the EMI Plans - Value: - **Gateway**: - Description: Gateway Name - Tags: String - **Gateway_id**: - Description: Juspay Gateway Identifier - Tags: Number - Tags: Array of Objects - **Offer_ids**: - Description: List of offer Ids attached to the plan, applicable when Juspay offer engine is being used - Tags: Array of strings - **Product_details**: - Description: List of all products supported for the plan and includes detailed split-up - Value: - **Product_id**: - Description: Product Identifier - Tags: String - **Product_amount**: - Description: Total Product Amount - Tags: String - **Bank_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Emi_instant_discount_amount**: - Description: Product wise additional Instant Discount, if applicable - Tags: String - **Emi_cashback_amount**: - Description: Product wise cashback amount, if applicable - Tags: String - **Additional_cashback_info**: - Description: Text field mentioning any additional cashback details, (For specific gateways) - Tags: String - **Interest_discount_amount**: - Description: Product wise interest discount amount, if applicable [No cost / Low cost] - Tags: String - Tags: Array of Objects - **Txn_emi_type**: - Description: emi_type to be passed in txns request. This value can vary from the root block if merchant is using Juspay offer engine for running EMI offers [STANDARD_EMI, NO_COST_EMI, LOW_COST_EMI] - Tags: String, Mandatory - Tags: Array of objects - Tags: Array of objects - Tags: String - Tags: object, Mandatory - **LOW_COST_EMI**: - Value: - **Credit object**: - Value: - **Payment_method**: - Description: CARD - Tags: String - **Payment_method_type**: - Description: CARD - Tags: String - **Issuers**: - Description: List of Issuers providing EMI Plans to customer - Value: - **Emi_bank**: - Description: EMI Bank Identifier - Tags: String - **Issuer_name**: - Description: Name of Issuing Bank - Tags: String - **Juspay_bank_code**: - Description: JusPay Bank Code - Tags: String - **Bank_plan_description**: - Tags: String - **Tenures**: - Description: List of Tenures supported by the issuing bank - Value: - **Offer_type**: - Tags: String - **Additional_processing_fee**: - Description: Additional Processing Fee levied by certain issuers for EMI transactions - Tags: String - **Bank_interest_rate**: - Description: Interest Rate for specific tenure, annualized - Tags: String - **Tenure**: - Description: Tenure in months - Tags: String - **Total_amount_payable**: - Description: Total amount payable by customer inclusive ofinterest amount - Tags: String - **Total_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Total_monthly_amount_payable**: - Description: Total monthly EMI amount payable by customer - Tags: String - **Total_instant_discount_amount**: - Description: Total instant discount amount [EMI discount + any additional upfront discounts] - Tags: String - **Total_cashback_amount**: - Description: Total cashback amount, if applicable - Tags: String - **Interest_discount_amount**: - Description: Total interest discount amount, if applicable [No cost / Low cost] - Tags: String - **Supported_gateways**: - Description: List of gateways supporting the EMI Plans - Value: - **Gateway**: - Description: Gateway Name - Tags: String - **Gateway_id**: - Description: Juspay Gateway Identifier - Tags: Number - Tags: Array of objects - **Additional_discount_amount**: - Description: Total additional discount amount, if applicable [Bank offers etc.] - Tags: String - **Offer_ids**: - Description: List of offer Ids attached to the plan, applicable when Juspay offer engine is being used - Tags: Array of String - **Product_details**: - Description: List of all products supported for the plan and includes detailed split-up - Value: - **Product_id**: - Description: Product Identifier - Tags: String - **Product_amount**: - Description: Total Product Amount - Tags: String - **Bank_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Emi_instant_discount_amount**: - Description: Product wise additional Instant Discount, if applicable - Tags: String - **Emi_cashback_amount**: - Description: Product wise cashback amount, if applicable - Tags: String - **Additional_cashback_info**: - Description: Text field mentioning any additional cashback details, (Applicable for specific gateways) - Tags: String - **Interest_discount_amount**: - Description: Product wise interest discount amount, if applicable [No cost / Low cost] - Tags: String, Mandatory - Tags: Array of Objects - **Txn_emi_type**: - Description: emi_type to be passed in txns request. This value can vary from the root block if merchant is using Juspay offer engine for running EMI offers [STANDARD_EMI, NO_COST_EMI, LOW_COST_EMI] - Tags: String, Mandatory - Tags: Array of objects - Tags: Array of objects - Tags: object - **Debit object**: - Value: - **Payment_method**: - Description: CARD - Tags: String - **Payment_method_type**: - Description: CARD - Tags: String - **Issuers**: - Description: List of Issuers providing EMI Plans to customer - Value: - **Emi_bank**: - Description: EMI Bank Identifier - Tags: String - **Issuer_name**: - Description: Name of Issuing Bank - Tags: String - **Juspay_bank_code**: - Description: JusPay Bank Code - Tags: String - **Bank_plan_description**: - Tags: String - **Tenures**: - Description: List of Tenures supported by the issuing bank - Value: - **Offer_type**: - Tags: String - **Additional_processing_fee**: - Description: Additional Processing Fee levied by certain issuers for EMI transactions - Tags: String - **Bank_interest_rate**: - Description: Interest Rate for specific tenure - Tags: String - **Tenure**: - Description: Tenure in months - Tags: Integer - **Total_amount_payable**: - Description: Total amount payable by customer inclusive ofinterest amount - Tags: String - **Total_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Total_monthly_amount_payable**: - Description: Total monthly EMI amount payable by customer - Tags: String - **Total_instant_discount_amount**: - Description: Total instant discount amount [EMI discount + any additional upfront discounts] - Tags: String - **Total_cashback_amount**: - Description: Total cashback Amount, if applicable - Tags: String - **Additional_discount_amount**: - Description: Total additional discount amount, if applicable [Bank offers etc.] - Tags: String - **Interest_discount_amount**: - Description: Total interest discount amount, if applicable [No cost / Low cost] - Tags: String - **Supported_gateways**: - Description: List of gateways supporting the EMI Plans - Tags: Array of Objects - **Offer_ids**: - Description: List of offer Ids attached to the plan, applicable when Juspay offer engine is being used - Tags: Array of Strings - **Product_details**: - Value: - **Product_id**: - Description: Product Identifier - Tags: String - **Product_amount**: - Description: Total Product Amount - Tags: String - **Bank_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Emi_instant_discount_amount**: - Description: Product wise additional Instant Discount, if applicable - Tags: String - **Emi_cashback_amount**: - Description: Product wise cashback amount, if applicable - Tags: String - **Additional_cashback_info**: - Description: Text field mentioning any additional cashback details, (For specific gateways) - Tags: String - **Interest_discount_amount**: - Description: Product wise interest discount amount, if applicable [No cost / Low cost] - Tags: String - Tags: Array of objects - **Txn_emi_type**: - Description: emi_type to be passed in txns request. This value can vary from the root block if merchant is using Juspay offer engine for running EMI offers [STANDARD_EMI, NO_COST_EMI, LOW_COST_EMI] - Tags: String, Mandatory - Tags: Array of objects - Tags: Array of objects - Tags: String - **Cardless**: - Value: - **Payment_method**: - Description: FLEXMONEY/ ZESTMONEY/ SHOPSE. Note: Ignore this field and pick emi_bank field for passing payment_method in txns request for Cardless providers - Tags: String - **Payment_method_type**: - Description: CONSUMER_FINANCE - Tags: String - **Issuers**: - Description: List of Issuers providing EMI Plans to customer - Value: - **Emi_bank**: - Description: EMI Bank Identifier - Tags: String - **Issuer_name**: - Description: Name of Issuing Bank - Tags: String - **Juspay_bank_code**: - Description: JusPay Bank Code - Tags: String - **Tenures**: - Description: List of Tenures supported by the issuing bank - Value: - **Additional_processing_fee**: - Description: Additional Processing Fee levied by certain issuers for EMI transactions - Tags: String - **Bank_interest_rate**: - Description: Annualized interest rate - Tags: String - **Tenure**: - Description: Tenure in months - Tags: String - **Total_amount_payable**: - Description: Total amount payable by customer inclusive of interest amount - Tags: String - **Total_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Total_monthly_amount_payable**: - Description: Total monthly EMI amount payable by customer - Tags: String - **Total_instant_discount_amount**: - Description: Total instant discount amount [EMI discount + any additional upfront discounts] - Tags: String - **Total_cashback_amount**: - Description: Total cashback Amount, if applicable - Tags: String - **Interest_discount_amount**: - Description: Total interest discount amount, if applicable [No cost / Low cost] - Tags: String - **Additional_discount_amount**: - Description: Total additional discount amount, if applicable [Bank offers etc.] - Tags: String - **Supported_gateways**: - Description: List of gateways supporting the EMI Plans - Value: - **Gateway**: - Description: Gateway Name - Tags: String - **Gateway_id**: - Description: Juspay Gateway Identifier - Tags: Number - Tags: Array of Objects - **Offer_ids**: - Description: List of offer Ids attached to the plan, applicable when Juspay offer engine is being used - Tags: Array of strings - **Product_details**: - Description: List of all products supported for the plan and includes detailed split-up - Value: - **Product_id**: - Description: Product Identifier - Tags: String - **Product_amount**: - Description: Total Product Amount - Tags: String - **Bank_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Emi_instant_discount_amount**: - Description: Product wise additional Instant Discount, if applicable - Tags: String - **Emi_cashback_amount**: - Description: Product wise cashback amount, if applicable - Tags: String - **Additional_cashback_info**: - Description: Text field mentioning any additional cashback details, (For specific gateways) - Tags: String - **Interest_discount_amount**: - Description: Product wise interest discount amount, if applicable [No cost / Low cost] - Tags: String - Tags: Array of Objects - **Txn_emi_type**: - Description: emi_type to be passed in txns request. This value can vary from the root block if merchant is using Juspay offer engine for running EMI offers [STANDARD_EMI, NO_COST_EMI, LOW_COST_EMI] - Tags: String, Mandatory - Tags: Array of objects - Tags: Array of objects - Tags: String - Tags: object, Mandatory - **NO_COST_EMI**: - Value: - **Credit object**: - Value: - **Payment_method**: - Description: CARD - Tags: String - **Payment_method_type**: - Description: CARD - Tags: String - **Issuers**: - Description: List of Issuers providing EMI Plans to customer - Value: - **Emi_bank**: - Description: EMI Bank Identifier - Tags: String - **Issuer_name**: - Description: Name of Issuing Bank - Tags: String - **Juspay_bank_code**: - Description: JusPay Bank Code - Tags: String - **Bank_plan_description**: - Tags: String - **Tenures**: - Description: List of Tenures supported by the issuing bank - Value: - **Offer_type**: - Tags: String - **Additional_processing_fee**: - Description: Additional Processing Fee levied by certain issuers for EMI transactions - Tags: String - **Bank_interest_rate**: - Description: Interest Rate for specific tenure, annualized - Tags: String - **Tenure**: - Description: Tenure in months - Tags: String - **Total_amount_payable**: - Description: Total amount payable by customer inclusive ofinterest amount - Tags: String - **Total_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Total_monthly_amount_payable**: - Description: Total monthly EMI amount payable by customer - Tags: String - **Total_instant_discount_amount**: - Description: Total instant discount amount [EMI discount + any additional upfront discounts] - Tags: String - **Total_cashback_amount**: - Description: Total cashback amount, if applicable - Tags: String - **Interest_discount_amount**: - Description: Total interest discount amount, if applicable [No cost / Low cost] - Tags: String - **Supported_gateways**: - Description: List of gateways supporting the EMI Plans - Value: - **Gateway**: - Description: Gateway Name - Tags: String - **Gateway_id**: - Description: Juspay Gateway Identifier - Tags: Number - Tags: Array of objects - **Additional_discount_amount**: - Description: Total additional discount amount, if applicable [Bank offers etc.] - Tags: String - **Offer_ids**: - Description: List of offer Ids attached to the plan, applicable when Juspay offer engine is being used - Tags: Array of String - **Product_details**: - Description: List of all products supported for the plan and includes detailed split-up - Value: - **Product_id**: - Description: Product Identifier - Tags: String - **Product_amount**: - Description: Total Product Amount - Tags: String - **Bank_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Emi_instant_discount_amount**: - Description: Product wise additional Instant Discount, if applicable - Tags: String - **Emi_cashback_amount**: - Description: Product wise cashback amount, if applicable - Tags: String - **Additional_cashback_info**: - Description: Text field mentioning any additional cashback details, (Applicable for specific gateways) - Tags: String - **Interest_discount_amount**: - Description: Product wise interest discount amount, if applicable [No cost / Low cost] - Tags: String, Mandatory - Tags: Array of Objects - **Txn_emi_type**: - Description: emi_type to be passed in txns request. This value can vary from the root block if merchant is using Juspay offer engine for running EMI offers [STANDARD_EMI, NO_COST_EMI, LOW_COST_EMI] - Tags: String, Mandatory - Tags: Array of objects - Tags: Array of objects - Tags: object - **Debit object**: - Value: - **Payment_method**: - Description: CARD - Tags: String - **Payment_method_type**: - Description: CARD - Tags: String - **Issuers**: - Description: List of Issuers providing EMI Plans to customer - Value: - **Emi_bank**: - Description: EMI Bank Identifier - Tags: String - **Issuer_name**: - Description: Name of Issuing Bank - Tags: String - **Juspay_bank_code**: - Description: JusPay Bank Code - Tags: String - **Bank_plan_description**: - Tags: String - **Tenures**: - Description: List of Tenures supported by the issuing bank - Value: - **Offer_type**: - Tags: String - **Additional_processing_fee**: - Description: Additional Processing Fee levied by certain issuers for EMI transactions - Tags: String - **Bank_interest_rate**: - Description: Interest Rate for specific tenure - Tags: String - **Tenure**: - Description: Tenure in months - Tags: Integer - **Total_amount_payable**: - Description: Total amount payable by customer inclusive ofinterest amount - Tags: String - **Total_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Total_monthly_amount_payable**: - Description: Total monthly EMI amount payable by customer - Tags: String - **Total_instant_discount_amount**: - Description: Total instant discount amount [EMI discount + any additional upfront discounts] - Tags: String - **Total_cashback_amount**: - Description: Total cashback Amount, if applicable - Tags: String - **Additional_discount_amount**: - Description: Total additional discount amount, if applicable [Bank offers etc.] - Tags: String - **Interest_discount_amount**: - Description: Total interest discount amount, if applicable [No cost / Low cost] - Tags: String - **Supported_gateways**: - Description: List of gateways supporting the EMI Plans - Tags: Array of Objects - **Offer_ids**: - Description: List of offer Ids attached to the plan, applicable when Juspay offer engine is being used - Tags: Array of Strings - **Product_details**: - Value: - **Product_id**: - Description: Product Identifier - Tags: String - **Product_amount**: - Description: Total Product Amount - Tags: String - **Bank_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Emi_instant_discount_amount**: - Description: Product wise additional Instant Discount, if applicable - Tags: String - **Emi_cashback_amount**: - Description: Product wise cashback amount, if applicable - Tags: String - **Additional_cashback_info**: - Description: Text field mentioning any additional cashback details, (For specific gateways) - Tags: String - **Interest_discount_amount**: - Description: Product wise interest discount amount, if applicable [No cost / Low cost] - Tags: String - Tags: Array of objects - **Txn_emi_type**: - Description: emi_type to be passed in txns request. This value can vary from the root block if merchant is using Juspay offer engine for running EMI offers [STANDARD_EMI, NO_COST_EMI, LOW_COST_EMI] - Tags: String, Mandatory - Tags: Array of objects - Tags: Array of objects - Tags: String - **Cardless**: - Value: - **Payment_method**: - Description: FLEXMONEY/ ZESTMONEY/ SHOPSE. Note: Ignore this field and pick emi_bank field for passing payment_method in txns request for Cardless providers - Tags: String - **Payment_method_type**: - Description: CONSUMER_FINANCE - Tags: String - **Issuers**: - Description: List of Issuers providing EMI Plans to customer - Value: - **Emi_bank**: - Description: EMI Bank Identifier - Tags: String - **Issuer_name**: - Description: Name of Issuing Bank - Tags: String - **Juspay_bank_code**: - Description: JusPay Bank Code - Tags: String - **Tenures**: - Description: List of Tenures supported by the issuing bank - Value: - **Additional_processing_fee**: - Description: Additional Processing Fee levied by certain issuers for EMI transactions - Tags: String - **Bank_interest_rate**: - Description: Annualized interest rate - Tags: String - **Tenure**: - Description: Tenure in months - Tags: String - **Total_amount_payable**: - Description: Total amount payable by customer inclusive of interest amount - Tags: String - **Total_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Total_monthly_amount_payable**: - Description: Total monthly EMI amount payable by customer - Tags: String - **Total_instant_discount_amount**: - Description: Total instant discount amount [EMI discount + any additional upfront discounts] - Tags: String - **Total_cashback_amount**: - Description: Total cashback Amount, if applicable - Tags: String - **Interest_discount_amount**: - Description: Total interest discount amount, if applicable [No cost / Low cost] - Tags: String - **Additional_discount_amount**: - Description: Total additional discount amount, if applicable [Bank offers etc.] - Tags: String - **Supported_gateways**: - Description: List of gateways supporting the EMI Plans - Value: - **Gateway**: - Description: Gateway Name - Tags: String - **Gateway_id**: - Description: Juspay Gateway Identifier - Tags: Number - Tags: Array of Objects - **Offer_ids**: - Description: List of offer Ids attached to the plan, applicable when Juspay offer engine is being used - Tags: Array of strings - **Product_details**: - Description: List of all products supported for the plan and includes detailed split-up - Value: - **Product_id**: - Description: Product Identifier - Tags: String - **Product_amount**: - Description: Total Product Amount - Tags: String - **Bank_interest_amount**: - Description: Total interest amount payable by customer - Tags: String - **Emi_instant_discount_amount**: - Description: Product wise additional Instant Discount, if applicable - Tags: String - **Emi_cashback_amount**: - Description: Product wise cashback amount, if applicable - Tags: String - **Additional_cashback_info**: - Description: Text field mentioning any additional cashback details, (For specific gateways) - Tags: String - **Interest_discount_amount**: - Description: Product wise interest discount amount, if applicable [No cost / Low cost] - Tags: String - Tags: Array of Objects - **Txn_emi_type**: - Description: emi_type to be passed in txns request. This value can vary from the root block if merchant is using Juspay offer engine for running EMI offers [STANDARD_EMI, NO_COST_EMI, LOW_COST_EMI] - Tags: String, Mandatory - Tags: Array of objects - Tags: Array of objects - Tags: String - Tags: object, Mandatory - Tags: object --- ## See Also - [Wallet Payment](https://smartgateway.hdfc.bank.in/docs/docs/smartgateway-tranportal-integration/docs/tranportal-integration/wallet-payment) - [Get Customer](https://smartgateway.hdfc.bank.in/docs/docs/smartgateway-tranportal-integration/docs/tranportal-integration/getcustomer)