Turn "Not Now" into "Paid Now" with PayU Affordability Suite

PayU Affordability Suite is a set of flexible payment solutions that includes EMI, Cardless EMI, Buy Now Pay Later (BNPL), Offer Engine, and the Affordability Widget. These solutions help merchants increase checkout conversions and reduce cart abandonment by giving customers flexible ways to pay.

By displaying EMI and BNPL options at checkout, customers can split their payments into smaller installments. This makes purchases more affordable and encourages customers to complete their transactions instead of abandoning their carts.

Merchants can offer multiple affordability options including credit card EMI, debit card EMI, cardless EMI, and Buy Now Pay Later through a single PayU payment gateway integration.

Cardless EMI allows customers to convert purchases into monthly installments without using a credit card. Eligible customers can complete transactions using authentication through partner banks or NBFCs.

Buy Now Pay Later allows customers to complete a purchase immediately and pay the amount later either in installments or within a defined repayment period.

PayU supports 35+ issuer partners, including banks, NBFCs, and BNPL providers. This allows merchants to provide customers with multiple flexible payment options.

Yes. With cardless EMI, customers can access installment payments without needing a credit card, making high-value purchases more accessible.

Yes. PayU Affordability Suite works seamlessly across websites, mobile apps, QR payments, and POS devices, enabling merchants to offer flexible payments across both online and offline channels.

No. Merchants can enable EMI, cardless EMI, and BNPL through a single integration with the PayU payment gateway, making setup simple and efficient.

The Affordability Widget displays EMI plans and payment options directly on product pages or checkout pages so customers can easily understand their payment choices before making a purchase.

Offer Engine helps merchants display the best available bank offers, discounts, and cashback deals at checkout. These personalized offers improve purchase intent and increase conversion rates.

Yes. PayU follows strict security standards and compliance requirements, including PCI-DSS guidelines, to ensure secure payment processing for merchants and customers.

Industries such as ecommerce, travel, education, healthcare, insurance, and retail can benefit by offering EMI and BNPL options that make high-value purchases more accessible.

Merchants can activate affordability options quickly through PayU’s simple API integration or supported plugins, depending on their existing payment gateway setup.

Yes. Flexible payment options encourage customers to purchase higher-value products since they can split payments into manageable installments, which helps increase average order value.