Testing Resources

A merchant shall create order using session API mentioned in the below document. You will receive a payment link in the response. Load this link in the customer's browser and look for Easy EMI/Instant Loans. You can use this session creation Link to create sessions, however if 
your business falls in the category of Education or Insurance please use the specific links
Insurance Session
Education Session

Once the session is created, ensure that the checkout page displays the Loans/EasyEMI option.When the consumer selects HyperCredit, they should be redirected to a basic information page containing pre-filled details such as name, phone number, email, PAN, etc.Allow the user to verify and modify their information on this page as needed.Confirm that all information is correctly passed to the system in this step.
In agent-assisted flows, the agent must verify that all consumer-provided information is correctly entered and maintain data accuracy.

Image 1 : This is the Juspay  payment page where you need to ensure that you have configured Instant Loans

Image 2 : After the “Instant Loans” is selected the page will show the user the mobile number from which the application is created, one needs to ensure that the mobile number is correct, this mobile number is editable.

Image 3 : This is the basic information page which will contain those information against which the order is created, this page is editable.

1. Ensure that all lender(s) are displayed in the agreed format 
2. Clearly present the offers on the checkout page ensuring all details such as GST and interest is rightly pointed out.
3. You have to also verify that each lender’s test and offers match the terms of the contract.Explicitly highlight any information regarding interest rates

Also note that the list of lender(s) is fetched from your account, the list will only show those lenders that are integrated on your Juspay account. Ensure that all the lenders that are integrated on your Juspay account appear on the checkout. Additionally if you need the lenders to appear in a particular order, then it will require a configuration change at Juspay, you can ask your Juspay SPOC to help you with this or write to us at credit.support@juspay.in

Warning : For Redirection Lenders, offers will be displayed on a Juspay-hosted page, while for Light Touch Lenders, offers will appear on the lender’s own page.

The below mentioned Image shows how the lender list appears on screen

Now depending on the lender type the lender journey can either happen externally on a different tab or can happen in the same tab. To know more about type of lenders visit

For Different Tab
After the user selects an offer from a redirection lender, they will be redirected to the lender’s page in a new child tab controlled by the lender. Advise the user to monitor the parent tab, managed by Juspay, for real-time loan status updates (This can be done by clicking on the “Check Status” button). Note that status polling frequency will be faster for redirection lenders than for light-touch lenders.

The first image shows that the user has received an offer from Fibe, a lender. After selecting the offer, the user is presented with various EMI tenure options, as shown in the second image. In the third image, the cost breakdown is displayed for the user. Upon confirming the cost breakdown and proceeding further, the user is prompted to complete the remaining steps on the lender's page, which opens in a separate tab, as depicted in the fourth image. In the fifth image, it is evident that the loan journey is now split between two tabs: the parent tab, controlled by Juspay, and the child tab, controlled by Fibe. Finally, the sixth image shows that the parent tab features a “Check Status” button, enabling the user to poll the status of the loan while continuing to complete the steps in the lender-controlled tab.


For Same Tab
There is no special checks for this

Additional Checks of this step :
1. Ensure the user has their KYC documents readily available.
2. Confirm the user has bank statements on hand if needed.
3. Verify that the user's camera is functional.
4. Ensure the user’s bank account supports mandate payments.


The Saved State
Saved state is a feature that allows the user to resume their loan journey from the exact step where they left off.

For Saved State Execution, ensure the link opens from the last entry point.
If the user is returning to continue a previous journey, ensure they see the screen below. This screen displays the steps completed so far and indicates the current step where the user should resume their journey.

Once all processes and verifications on the lender-controlled child tab are completed, there should be a redirection back to the parent tab, after which the child tab collapses. If this redirection does not occur properly, it can disrupt the user experience, requiring the user to manually switch to the parent tab to check for the success message.

To facilitate this, ensure that the CROSS ORIGIN setting is enabled in your code, or whitelist the Juspay and lender domains. For Whitelisting the domains you can write to us on support.credit@juspay.in and we will provide you the required domains.