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Available in🇮🇳 India
The Razorpay Affordability Suite is now rebranded as the EMI² Suite, retaining all its features under the new name.

Affordability Widget

Use Affordability Widget to create awareness about affordable payment options, such as EMI, Cardless EMI, and Pay Later and offers.

Eligibility Check

Access customer eligibility using pre-eligibility checks on Debit Card EMI, Cardless EMI, and Pay Later instruments and help them choose the most appropriate payment option.

Payment Methods

Offer your customers various payment methods to buy products using Credit Card EMI, Debit Card EMI, Cardless EMI, No Cost EMI, Low Cost EMI and Pay Later.

Offers

Use Offers to attract customers and improve your sales by providing discounts and cashback to customers.

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Affordability Widget

The Affordability Widget displays the multiple payment options (such as EMI, Cardless EMI, and Pay Later) and offers to your customers on the product page. This allows customers to discover payment offers before they reach checkout and make an informed buying decision. Know more about the Affordability Widget.
  • Enable discovery of affordable payment options early on: Spread awareness about emi²-based payment methods and offers available to your customers even before they reach checkout using the Affordability Widget.
  • Improve conversion rates: The availability of affordable payment options such as EMI and Pay Later will help boost conversion rates enabling customers to make more informed buying decisions.
  • Increase Average Order Value: With affordable payment options, businesses typically see a 30% higher average order value.
  • Easy Integration: Integrating with the Razorpay Affordability Widget is effortless, involving only a few lines of code.
Handy Tips
  • Native web users can integrate the widget with checkout. Your customers can select an offer/payment option on the widget, proceed to checkout and complete the payment.
  • For Shopify and WooCommerce user, this is a view-only widget.

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Integration

You can integrate the widget on your: Native Website, WooCommerce Website, Shopify Store and Android App.

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Eligibility Check

Improve success rate and enhance customer experience by offering a pre-eligibility check at checkout. Check eligibility on Debit Card EMI, Cardless EMI, and Pay Later instruments and let your customers easily choose the most relevant EMI² option and complete the purchase seamlessly. Know more about Eligibility Check.
  • Higher Success Rate: Increase the success rate of transactions with EMI² instruments by displaying only eligible payment options, thereby reducing failed transactions due to ineligibility.
  • Enhance Customer Experience: Deliver a seamless customer experience through an intuitive UI that enables customers to discover and choose the most affordable payment options.

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Payment Methods

You can offer your customers various payment methods to buy products using Credit Card EMI, Debit Card EMI, Cardless EMI, No Cost EMI, Low Cost EMI and Pay Later.

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EMIs

  • Easy EMI Repayments: Reduce the upfront amount to be paid by your customers with easy-to-manage EMI repayments.
  • Cardless EMIs: Target a large segment of consumers who do not have a credit or debit card.
  • Increase sales: Grow sales by allowing customers to make high-value purchases with low upfront payments.
  • Increase Average Order Value: EMI options lead to higher average order value, thereby boosting sales.

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Pay Later

  • Best in class: Razorpay has the widest coverage of Pay Later partners amongst all payment solutions providers. Enjoy a success rate of over 90% (best in class).
  • Flexible Repayments: Customers can buy now and pay later, with various payment options ranging from a few weeks to several months.
  • Interest-free Options: Provide Pay Later options with interest-free instalments allowing customers to spread out the purchase cost over time with no interest charges.
  • Cash Flow Management: You can improve your cash flow by receiving payments from customers upfront while allowing them to pay for their purchases over time.
  • Increase Average Order Value: Pay Later options lead to higher average order values, thereby boosting sales.

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Credit Card EMI, Debit Card EMI, Cardless EMI and Pay Later

Following is the list of payment partners for the various payment methods:
EMI Plans and Interest RatesRefer to the FAQs for the EMI plans and interest rates of different banks for Credit Card EMIs.
EMI Plans and Interest RatesRefer to the FAQs for the EMI plans and interest rates of different banks for Debit Card EMI.
EMI Plans and Interest RatesRefer to the FAQs for the Cardless EMI plans and interest rates charged by Banks/Partners and Pay Later Providers.
Standard Interest RatesRefer to the FAQs for the standard interest rates charged by Pay Later providers.

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Integrate Payment Methods

If you are using Razorpay Standard Checkout, you do not need to perform any additional integrations to display these payment methods to your customers. Get this feature enabled on your account by contacting our Support team. As per your business requirements, you can check the payment methods available on Standard Checkout or Custom Checkout

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Try EMI Flow on Checkout

You can try the EMI flow by clicking the Pay with Razorpay button. This initiates a ₹5,500 payment. Provide the relevant details and complete the payment. Use the Test Card for EMI Payments.
Live Transaction with Auto RefundThis is a real transaction and money will be deducted from your account. However, the amount debited will be auto-refunded to your account in 5-7 working days.Pay with Razorpay

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Offers

You can use Offers to attract customers and improve your sales by providing discounts and cashback to customers when they make payments on your website or apps. You can restrict the payment methods on which the offers are applied and limit their usage. Know more about Offers. You can create Offers including No Cost EMI and Low Cost EMI Offers via the Dashboard and display them to your customers on Checkout.