Question 1

What is EMI?

Accepted Answer

An Equated Monthly Installment (EMI) allows customers to split payments into smaller, affordable monthly parts.

Question 2

What are the advantages of EMI as a payment method on checkout?

Accepted Answer

EMIs increase affordability, reduce cart abandonment, and help businesses grow by making products/services more accessible.

Question 3

How can I enable EMI as a payment method on checkout?

Accepted Answer

You can activate EMI directly from the PayU dashboard with just a few clicks

Question 4

How will my business receive payment when EMI is enabled?

Accepted Answer

Merchants receive the full payment upfront while customers pay in installments over time.

Question 5

What are the benefits of Debit Card EMIs from PayU?

Accepted Answer

They allow more customers to use EMIs, even without a credit card, expanding your reach.

Question 6

How are eligibility checks for Debit Card EMIs done?

Accepted Answer

PayU conducts instant real-time checks to ensure a smooth and hassle-free experience.

Question 7

Do customers need to have any minimum balance in their account to avail EMI on their debit cards?

Accepted Answer

Customers do not have to maintain any minimum balance in their account to avail EMI facility on their debit card.

Question 8

What are the eligibility criteria for Debit Card EMIs?

Accepted Answer

Eligibility depends on the customer’s bank and transaction value, with real-time checks handled by PayU.

Question 9

Can customers avail EMI offers at checkout?

Accepted Answer

Yes, customers can choose from available EMI offers instantly at checkout.

Question 10

Can No-cost EMIs be enabled with PayU?

Accepted Answer

Yes, PayU supports no cost EMI options to attract price-sensitive buyers.

Question 11

What types of EMI options does PayU support?

Accepted Answer

PayU offers Credit Card EMI, Debit Card EMI, Cardless EMI, and No Cost EMI.

Question 12

How to integrate EMI Payment Gateway?

Accepted Answer

Integration is quick and developer-friendly with PayU’s APIs and plugins.

Turn "too expensive" into "let’s buy it now"

PayU EMI lets customers split payments with Debit Card EMI, Credit Card EMI, or Cardless EMI, driving higher conversions and upfront payouts for you.