> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-881012b3.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Integrate No Cost EMI Offers with Standard Checkout

> Display general or order specific No Cost EMI Offers on Standard Checkout.

<div style={{display:"flex",flexWrap:"wrap",alignItems:"center",gap:"0.35rem 0.9rem",border:"1px solid rgba(128,128,128,0.28)",borderRadius:"0.5rem",padding:"0.45rem 0.75rem",margin:"0 0 1.25rem",fontSize:"0.875rem"}}>
  <span style={{fontWeight:600}}>Available in</span>
  <span>🇮🇳 India</span>
</div>

After creating [No Cost EMI Offers](/docs/payments/offers/no-cost-emi/create) from the Dashboard, you must integrate them with the Razorpay Standard Checkout so your customers can avail of them while making payments.

<Warning>
  **Integrate Offers with Orders API**

  Using our JS, SDK files, or other Ecommerce plugins, you **should** integrate offers with the Orders API.
</Warning>

## Exception

You need **not** integrate offers with Orders API if you use any of the following Razorpay products or plugins to accept payments:

* Plugins: Razorpay Magento, Shopify, or WooCommerce.
* Products: Payment Links, Payment Buttons, Payment Pages and Invoices.

This is because Razorpay automatically creates orders for these products or plugins when customers initiate payment at the Checkout.

## Validation Criteria

Only those No Cost EMI offers that pass the following validations are displayed at the Checkout:

| Criteria                   | Description                                                                                                                            |
| -------------------------- | -------------------------------------------------------------------------------------------------------------------------------------- |
| **Amount Match**           | Order amount should be more than or equal to the [Minimum Order Amount](/docs/payments/offers/no-cost-emi/create) set in an offer.     |
| **Validity**               | Offer should be in the active or enabled state.                                                                                        |
| **Date Validation**        | The current date lies within the range of the offer's `start` and `end` dates.                                                         |
| **Usage**                  | You can define the maximum number of times an offer can be availed. If this limit is met, the offer will not be displayed on Checkout. |
| **Show Offer on Checkout** | This option must be enabled while the offer is created. This determines whether the offer will be displayed at the Checkout or not.    |

## Display No Cost EMI Offers at Checkout

There are two ways in which you can display No Cost EMI offers at the Razorpay Checkout:

* [Display No Cost EMI Offers by Default](#method-1-display-no-cost-emi-offers-by-default)
* [Display Limited No Cost EMI Offers](#method-2-display-limited-no-cost-emi-offers)

### Method 1: Display No Cost EMI Offers by Default

This is the easiest way to display No Cost EMI offers at the Checkout. While [creating the  No Cost EMI offer](/docs/payments/offers/no-cost-emi/create) from the Dashboard, enable the **Show Offer on Checkout** option.

<img src="https://razorpay.com/docs/build/browser/assets/images/offers-no-cost-emi-offer-validity.jpg" alt="Enable the Show Offer on Checkout option" width="700" />

### Method 2: Display Limited No Cost EMI offers

To display a specific  No Cost EMI offer at the Checkout, you should associate the offer with an order. You can pass the `offers` array as a request attribute in the Create Orders API.

Some use cases:

* If you have multiple product lines running on the same account and have certain business logic for displaying No Cost EMI offers.
* The discount has already been applied, and you would like to restrict the payment method to avail the offer.

To display offers:

1. [Create an Offer](#step-1-create-an-offer-from-the-dashboard).
2. [Pass offer\_id in Orders API](#step-2-pass-offer-id-in-orders-api).
3. [Pass order\_id and Trigger Checkout](#step-3-pass-order-id-and-trigger-the).

### Step 1: Create an Offer from the Dashboard

You can [create  No Cost EMI offers](/docs/payments/offers/create#create-offers) from the Dashboard.

Let us say you have created a No Cost EMI offer `offer_ANZoaxsOww2X53`, such that a discount of ₹200 is applicable on all transactions done through AXIS netbanking only.

<iframe width="500" height="315" src="https://www.youtube.com/embed/aUThK0ADspM?si=4tsQ5odC1AGa-1Sh" title="How to Create a No-Cost EMI Offer" frameBorder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowFullScreen />

<br />

### Step 2: Pass offer\_id in Orders API

Create an order using the Orders API and pass the `offer_id` as a request parameter.

#### Sample Code

<CodeGroup>
  ```bash Curl theme={null}
  curl -u [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
  -X POST https://api.razorpay.com/v1/orders \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 1000000,
    "currency": "INR",
    "offers": [
      "offer_ANZoaxsOww2X53"
    ]
  }'
  ```

  ```java Java theme={null}
  RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

         ArrayList Offer = new ArrayList<String>();
          Offer.add("offer_JTUADI4ZWBGWur");

          JSONObject orderRequest = new JSONObject();
          orderRequest.put("amount", 1000000); // amount in the smallest currency unit
          orderRequest.put("currency", "INR");
          orderRequest.put("offers", Offer);

          Order order = razorpayclient.orders.create(orderRequest);
          System.out.print(order);
  ```

  ```python Python theme={null}
  import razorpay
  client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

  client.order.create({
    "amount": 1000000,
    "currency": "INR",
    "receipt": "receipt#1",
    "offers": [
      "offer_ANZoaxsOww2X53"
    ]
  })
  ```

  ```php PHP theme={null}
  $api = new Api($key_id, $secret);

  $api->order->create(array('amount' => 1000000, 'currency' => 'INR', 'offers'=> array('offer_JTUADI4ZWBGWur')));
  ```

  ```ruby Ruby theme={null}
  require "razorpay"
  Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

  order = Razorpay::Order.create amount: 50000, currency: 'INR', receipt: 'receipt#1',  offers: [
      'offer_ANZoaxsOww2X53"'
  ]
  ```

  ```javascript Node.js theme={null}
  var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

  instance.orders.create({
    amount: 1000000,
    currency: "INR",
    receipt: "receipt#1",
    offers: [
      "offer_ANZoaxsOww2X53"
    ]
  })
  ```

  ```go Go theme={null}
  import ( razorpay "github.com/razorpay/razorpay-go" )
  client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

  data := map[string]interface{}{
   "amount": 50000,
   "currency": "INR",
   "receipt": "receipt#1",
  	"offers": []interface{}{
  	"offer_JTUADI4ZWBGWur",
    },
  }
  body, err := client.Order.Create(data, nil)
  ```

  ```json Response theme={null}
  {
    "id": "order_CjyoZFRpB8r0AH",
    "entity": "order",
    "amount": 1000000,
    "amount_paid": 0,
    "amount_due": 1000000,
    "currency": "INR",
    "receipt": null,
    "offer_id": "offer_ANZoaxsOww2X53",
    "offers": [
      "offer_ANZoaxsOww2X53"
    ],
    "status": "created",
    "attempts": 0,
    "notes": [],
    "created_at": 1561018912
  }
  ```
</CodeGroup>

#### Request Parameters

`amount` *mandatory*
: `integer` Enter the amount for which the order is to be created in currency subunits. For example, for an amount of ₹10000, enter `1000000`.

`currency` *mandatory*
: `string` ISO code of the currency associated with the order amount. Here, it is `INR`.

`offers` *mandatory*
: `array` Unique identifier of the offer. Pass the `offer_id` obtained from the response of the previous step.

### Step 3: Pass Order\_id and Trigger the Checkout

The `order_id` obtained in the previous step can be passed to the Checkout form as follows:

```javascript Checkout theme={null}
<button id="rzp-button1">Pay</button>
<script src="https://checkout.razorpay.com/v1/checkout.js"></script>
<script>
var options = {
    "key": "[YOUR_KEY_ID]",
    "amount": "1000000",
    "currency": "INR",
    "order_id":"order_FIL1vBOsWFllnO",
    "name": "Acme Corp",
    "description": "Test Transaction",
    "image": "https://cdn.razorpay.com/logos/F9Yhfb7ZXjXmIQ_medium.jpg",
    "handler": function (response){
        alert(response.razorpay_payment_id);
        alert(response.razorpay_order_id);
        alert(response.razorpay_signature)
    },
    "prefill": {
        "name": "Gaurav Kumar",
        "email": "gaurav.kumar@example.com",
        "contact": "9999988999"
    },
    "notes": {
        "address": "Razorpay Corporate Office"
    },
    "theme": {
        "color": "#3399cc"
    }
};
var rzp1 = new Razorpay(options);
document.getElementById('rzp-button1').onclick = function(e){
    rzp1.open();
    e.preventDefault();
}
</script>
```

Know more about [Standard Checkout](/docs/payments/payment-gateway/web-integration/standard).

## Next Steps

After the customer has availed the offers and made the payment at the Checkout, you can  track the status of the payments:

* From the Dashboard.
* By [configuring webhooks](/docs/webhooks).
* By polling our [payment APIs](/docs/api/payments).

### Related Information

* [About No Cost EMI Offers](/docs/payments/offers/no-cost-emi)
* [Create No Cost EMI Offers](/docs/payments/offers/no-cost-emi/create)
* [Tutorial - How to Create No Cost EMI Offers](/docs/payments/offers/no-cost-emi/tutorial)
* [No Cost EMI FAQs](/docs/payments/offers/low-cost-emi/faqs)
* [Disable Offers](/docs/payments/offers/no-cost-emi/create#disabling-no-cost-emi-offers)