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EMI Based Offers

Users can create EMI based offers on the Offers Dashboard for Standard, No Cost and Low Cost EMI Plans

Configure plans on PGCC - Merchants will get a list of EMI plans from payment gateways and the same plans need to be configured on PGCC as Standard EMI Plans to store at Juspay’s end. No Cost/Low Cost EMI Offers can be created using these plans that will be displayed in Payment Details tab of the Offers Dashboard

How to configure EMI offers on the dashboard

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Standard EMI Offers Configuration:

Step 1: Select the benefit type - Discount or Cashback
Step 2: In the payment methods tab, select EMI transactions (only card payments are supported for EMI transactions)
Step 3: Select the EMI Plans under the bank selector - offers will be valid only on the EMI plans specified
Step 4: Submit the offer with other constraints to create a Standard EMI Offer

No Cost EMI Offers Configuration

Step 1: Select the EMI benefit type - EMI Discount or EMI Cashback
Step 2: Select No Cost from the ‘Choose EMI’ dropdown
Step 3: In the payment methods tab, EMI transactions will be auto selected for EMI benefit types(only card payments are supported for EMI transactions)
Step 4: Select the EMI Plans under the bank selector - offers will be valid only on the EMI plans specified
Step 5: Submit the offer with other constraints to create a No Cost EMI Offer

Low Cost EMI Offers Configuration

Interest subvention can be achieved in 2 ways for Low Cost EMI - specifying discount on the interest rate (interest rates are discounted 100% for No Cost plans) or by mentioning the subvented interest rate against each plan

Step 1: Select the EMI benefit type - EMI Discount or EMI Cashback
Step 2: Select Low Cost from ‘Choose EMI’ dropdown
Step 3: Mention the discount on interest rate that should be given under the offer by specifying it under ‘Offer Amount’
Step 4: In the payment methods tab, EMI transactions will be auto selected for EMI benefit types(only card payments are supported for EMI transactions)
Step 4: Select the EMI Plans under the bank selector - offers will be valid only on the EMI plans specified. Mention the subvented interest rate for calculating Low Cost EMI
Step 5: Submit the offer with other constraints to create a Low Cost EMI Offer

NOTE: For No Cost/Low Cost EMI benefit offers, Juspay will reduce the effective amount (by discounting the interest amount from the order amount) and share the reduced effective amount with payment gateways on which standard EMI will be computed