> ## 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.

# About ShopSe Cardless EMI

> Offer ShopSe Cardless EMI payment option to your customers on chekcout.

<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>

ShopSe Cardless EMI is a popular **Buy Now Pay Later (BNPL)** option that lets customers convert purchases into monthly instalments without requiring a credit card, and in some cases, not even a debit card. This digital finance solution helps make high-value purchases more affordable and accessible.

<Info>
  **Handy Tips**

  This payment provider is available only with Optimizer.
</Info>

#### Advantages

* **Streamlined digital process**: Quick, paperless approvals at checkout reduce friction and help lower cart abandonment rates.
* **No credit card required**: A flexible financing option for customers without a credit card or those who prefer not to use one.

## ShopSe Payment Flow for Standard Checkout

Customers select the products on your website or app and proceed to Checkout. On the Checkout page, the customers:

1. Enter their **Phone Number** and click **Continue**.
2. Select **EMI** as the payment method.
   <img src="https://razorpay.com/docs/build/browser/assets/images/standard-checkout-emi-option.jpg" alt="Select emi payment option on checkout" width="300" />
3. Select **Cardless and Others**.
   <img src="https://razorpay.com/docs/build/browser/assets/images/standard-checkout-cardless-emi-option.jpg" alt="Select Cardless and Others" width="300" />
4. An OTP is sent to their registered mobile number to check their eligibility. They enter the OTP and click **Continue**.
   <img src="https://razorpay.com/docs/build/browser/assets/images/eligibility-otp.jpg" alt="Enter Eligibility OTP" width="300" />
5. Select **ShopSe Digital Finance** as the Cardless EMI service provider.
   <img src="https://razorpay.com/docs/build/browser/assets/images/select-shopse-cardless.jpg" alt="Select shopse payment instrument" width="300" />
6. Select the EMI tenure and complete the payment.
   <img src="https://razorpay.com/docs/build/browser/assets/images/shopse-payment-options.jpg" alt="EMI options select Plan" width="300" />

You receive the full transaction amount from ShopSe. Customers then pay ShopSe the total order amount in EMIs, along with any applicable interest, as per their terms and conditions.

## Standard Checkout Integration

No additional integration is required to show ShopSe as a Cardless EMI service provider on your Standard Checkout integration. Know [how to integrate ShopSe as a payment method on custom checkout.](/docs/payments/payment-gateway/web-integration/custom/payment-methods#cardless-emi)

## Related Information

[ShopSe FAQs](https://www.getshopse.com/customer-faq).