EMI CAL v3
Seamless EMI CALCULATOR CARDLESS Integration
Introduction
1. Overview
This document explains how to integrate the EMI calculator in your application, and which bring both Cardless and Card data details in single API call.
2. Implementation Details
It helps in fetching offers for single/multiple products for both CARD and CARDLESS schemes. Here we need to use the api version of V3 to get both data in single call.
UAT - https://uat.pinepg.in/api/v3/emi/calculator
PRODUCTION - https://pinepg.in/api/v3/emi/calculator
Body Params:
| Parameter Name | Type | Description | Mandatory(M)/Optional |
|---|---|---|---|
| merchant_data | object | It contains information about merchant. | M |
| payment_data | object | It contains information about payment data. | M |
| product_details | Array of objects | It contains information about products present in cart. | M |
merchant_data:
| Parameter Name | Type | Description | Mandatory(M)/Optional |
|---|---|---|---|
| merchant_id | int | Merchant id provided by pine labs. | M |
| merchant_access_code | string | Merchant access code provided by pine labs. | M |
payment_data:
| Parameter Name | Type | Description | Mandatory(M)/Optional |
|---|---|---|---|
| amount_in_paisa | long | Total sum of products amount present in cart. | M |
product_details:
| Parameter Name | Type | Description | Mandatory(M)/Optional |
|---|---|---|---|
| product_code | string | Product code present at merchant end. | M |
| product_amount | long | Product amount in paise. | M |
Body Params:
| Parameter Name | Type | Description |
|---|---|---|
| issuer | Array of objects | It contains information about issuing bank EMI details. |
| response_code | int | It notifies the result of api processing. Value 1 denotes success. |
| response_message | string | It denotes the message corresponding to above code. |
Parameter abbreviation:
issuer:
| Parameter Name | Type | Description |
|---|---|---|
| list_emi_tenure | Array of objects | It contains information about tenures for each issuer. |
| issuer_name | String | Bank Name. |
| is_debit_emi_issuer | Bool | Denotes whether an issuer is debit or credit. |
list_emi_tenure
| Parameter Name | Type | Description |
|---|---|---|
| offer_scheme | Object | It contains information about offer applicable on each product. |
| tenure_id | Int | Tenure Id specified at pine labs end. |
| tenure_in_month | String | Tenure name specified at pine labs end. |
| monthly_installment | Long | Emi amount in paise. |
| bank_interest_rate | Long | Interest rate for which bank emi is calculated. Its value is percentage multiplied by 10000. |
| interest_pay_to_bank | Long | Interest pay to bank in paise. |
| total_offerred_discount_cashback_amount | Long | Total sum of discount applicable on cart. It is in paise. |
| loan_amount | Long | Amount in paise on which loan will be booked. |
| auth_amount | Long | Bank authorization amount in paise. |
offer_scheme
| Parameter Name | Type | Description |
|---|---|---|
| product_details | Array of objects | It contains information about product. |
| emi_scheme | Object | It contains information about bank EMI scheme. |
product_details
| Parameter Name | Type | Description |
|---|---|---|
| product_code | String | Product code. |
| product_amount | Long | Product amount in paise. |
| subvention_cashback_discount | Long | Subvention discount cashback amount in paise. Only applicable when subvention is present. |
| product_discount | Long | Product discount amount in paise. Only applicable if product discount is present. |
| subvention_cashback_discount_percentage | Long | Subvention discount cashback percentage. Its value is percentage multiplied by 10000. |
| product_discount_percentage | Long | Product discount cashback percentage. Its value is percentage multiplied by 10000. |
| subvention_type | Int | It tells offer type. 1-No cost EMI 2-Low cost EMI 3-Standard EMI. |
| additional_cashback | String | Additional cashback text to be set to display content of the cashback given. |
| bank_interest_rate | Long | Amount in paise. |
| bank_interest_rate_percentage | Long | Percentage multiplied by 10000. |
| schemes | Array of objects | It contains list of program applicable on product. |
emi_scheme
| Parameter Name | Type | Description |
|---|---|---|
| scheme_id | Long | It tells scheme id applicable on product. |
| program_type | Int | It tells scheme of which type. 105-Bank EMI 106-Brand EMI 108-Product Discount 112-Subvention discount. |
| is_scheme_valid | Bool | Is scheme is valid. |
schemes
| Parameter Name | Type | Description |
|---|---|---|
| scheme_id | Long | It tells scheme id applicable on product. |
| program_type | Int | It tells scheme of which type. 105-Bank EMI 106-Brand EMI 108-Product Discount 112-Subvention discount. |
| is_scheme_valid | Bool | Is scheme is valid. |
Sample Request:
CARD REQUEST / CARDLESS REQUEST PAYLOAD REMAINS SAME ONLY PRODUCT CODE DIFFER:
{
"merchant_data": {
"merchant_id": 3473,
"merchant_access_code": "57e39383-b053-4db9-a708-26d8971886e7"
},
"payment_data": {
"amount_in_paisa": 1100000
},
"product_details": [
{
"product_code": "SM-G975FCWG",
"product_amount": 550000
},
{
"product_code": "40",
"product_amount": 550000
}
]
}
Sample Response:
CARD:
{
"issuer": [
{
"list_emi_tenure": [
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": 1682,
"program_type": 112,
"is_scheme_valid": true
}
],
"product_code": "SM-G975FCWG",
"product_amount": 550000,
"subvention_cashback_discount": 11705,
"product_discount": 0,
"subvention_cashback_discount_percentage": 21500,
"product_discount_percentage": 0,
"subvention_type": 1
},
{
"schemes": [],
"product_code": "40",
"product_amount": 550000,
"subvention_cashback_discount": 0,
"product_discount": 0,
"subvention_cashback_discount_percentage": 0,
"product_discount_percentage": 0
}
],
"emi_scheme": {
"scheme_id": 1683,
"program_type": 105,
"is_scheme_valid": true
}
},
"tenure_id": "3",
"tenure_in_month": "3",
"monthly_installment": 370652,
"bank_interest_rate": 130000,
"interest_pay_to_bank": 23661,
"total_offerred_discount_cashback_amount": 11705,
"loan_amount": 1088295,
"auth_amount": 1088295
},
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": 1682,
"program_type": 112,
"is_scheme_valid": true
}
],
"product_code": "SM-G975FCWG",
"product_amount": 550000,
"subvention_cashback_discount": 20266,
"product_discount": 0,
"subvention_cashback_discount_percentage": 37000,
"product_discount_percentage": 0,
"subvention_type": 1
},
{
"schemes": [],
"product_code": "40",
"product_amount": 550000,
"subvention_cashback_discount": 0,
"product_discount": 0,
"subvention_cashback_discount_percentage": 0,
"product_discount_percentage": 0
}
],
"emi_scheme": {
"scheme_id": 1683,
"program_type": 105,
"is_scheme_valid": true
}
},
"tenure_id": "6",
"tenure_in_month": "6",
"monthly_installment": 186840,
"bank_interest_rate": 130000,
"interest_pay_to_bank": 41306,
"total_offerred_discount_cashback_amount": 20266,
"loan_amount": 1079734,
"auth_amount": 1079734
}
],
"issuer_name": "HDFC",
"is_debit_emi_issuer": false
}
],
"response_code": 1,
"response_message": "SUCCESS"
}
CARDLESS:
{
"issuer": [
{
"list_emi_tenure": [
{
"offer_scheme": {
"product_details": [
{
"schemes": [],
"product_code": "MQ9P3HN/A",
"product_amount": 200000,
"subvention_cashback_discount": 0,
"product_discount": 0,
"subvention_cashback_discount_percentage": 0,
"product_discount_percentage": 0,
"subvention_type": 3,
"bank_interest_rate_percentage": 160000,
"bank_interest_rate": 17752
}
],
"emi_scheme": {
"scheme_id": 230563,
"program_type": 105,
"is_scheme_valid": true
}
},
"tenure_id": "12",
"tenure_in_month": "12",
"monthly_installment": 18146,
"bank_interest_rate": 160000,
"interest_pay_to_bank": 17752,
"total_offerred_discount_cashback_amount": 0,
"loan_amount": 200000,
"auth_amount": 200000
},
{
"offer_scheme": {
"product_details": [
{
"schemes": [],
"product_code": "MQ9P3HN/A",
"product_amount": 200000,
"subvention_cashback_discount": 0,
"product_discount": 0,
"subvention_cashback_discount_percentage": 0,
"product_discount_percentage": 0,
"subvention_type": 3,
"bank_interest_rate_percentage": 160000,
"bank_interest_rate": 26278
}
],
"emi_scheme": {
"scheme_id": 230563,
"program_type": 105,
"is_scheme_valid": true
}
},
"tenure_id": "18",
"tenure_in_month": "18",
"monthly_installment": 12571,
"bank_interest_rate": 160000,
"interest_pay_to_bank": 26278,
"total_offerred_discount_cashback_amount": 0,
"loan_amount": 200000,
"auth_amount": 200000
}
],
"issuer_name": "HDFCCARDLESS",
"is_debit_emi_issuer": true
}
],
"response_code": 1,
"response_message": "SUCCESS"
}
Single Cart Request:
CARD:
{
"merchant_data": {
"merchant_access_code": "dsfff33-5e6e-411a-99fe-dsdsjsfff",
"merchant_id": "10838"
},
"payment_data": {
"amount_in_paisa": 9000000
},
"product_details": [
{
"product_code": "SM-G988BZAP",
"product_amount": 9000000
}
]
}
CARDLESS:
{
"merchant_data": {
"merchant_id": 279082,
"merchant_access_code": "cfd05c0c-39f1-4232-bd6f-6d3a8608e1be"
},
"payment_data": {
"amount_in_paisa": 10000000
},
"product_details": [
{
"product_code": "MQ9P3HN/A",
"product_amount": 10000000
}
]
}
Single Cart Response:
CARD:
{
"issuer": [
{
"list_emi_tenure": [
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": 374161,
"program_type": 106,
"is_scheme_valid": true
}
],
"product_code": "TestProduct2",
"product_amount": 6000000,
"subvention_cashback_discount": 0,
"product_discount": 0,
"subvention_cashback_discount_percentage": 0,
"product_discount_percentage": 0,
"subvention_type": 3,
"bank_interest_rate_percentage": 141300,
"bank_interest_rate": 599736
}
],
"emi_scheme": null
},
"tenure_id": "24",
"tenure_in_month": "24",
"monthly_installment": 187489,
"bank_interest_rate": 141300,
"interest_pay_to_bank": 599736,
"total_offerred_discount_cashback_amount": 0,
"loan_amount": 6000000,
"auth_amount": 6000000
}
],
"issuer_name": "ICICI",
"is_debit_emi_issuer": false
}
],
"response_code": 1,
"response_message": "SUCCESS"
}
CARDLESS:
{
"issuer": [
{
"list_emi_tenure": [
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": 230456,
"program_type": 106,
"is_scheme_valid": true
}
],
"product_code": "MQ9P3HN/A",
"product_amount": 10000000,
"subvention_cashback_discount": 865000,
"product_discount": 0,
"subvention_cashback_discount_percentage": 86500,
"product_discount_percentage": 0,
"subvention_type": 1,
"bank_interest_rate_percentage": 160000,
"bank_interest_rate": 810888
}
],
"emi_scheme": null
},
"tenure_id": "12",
"tenure_in_month": "12",
"monthly_installment": 828824,
"bank_interest_rate": 160000,
"interest_pay_to_bank": 810888,
"total_offerred_discount_cashback_amount": 865000,
"loan_amount": 9135000,
"auth_amount": 9135000
},
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": 230456,
"program_type": 106,
"is_scheme_valid": true
}
],
"product_code": "MQ9P3HN/A",
"product_amount": 10000000,
"subvention_cashback_discount": 1065000,
"product_discount": 0,
"subvention_cashback_discount_percentage": 106500,
"product_discount_percentage": 0,
"subvention_type": 2,
"bank_interest_rate_percentage": 160000,
"bank_interest_rate": 1174160
}
],
"emi_scheme": null
},
"tenure_id": "18",
"tenure_in_month": "18",
"monthly_installment": 561620,
"bank_interest_rate": 60000,
"interest_pay_to_bank": 1174160,
"total_offerred_discount_cashback_amount": 1065000,
"loan_amount": 8935000,
"auth_amount": 8935000
},
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": 230456,
"program_type": 106,
"is_scheme_valid": true
}
],
"product_code": "MQ9P3HN/A",
"product_amount": 10000000,
"subvention_cashback_discount": 1165000,
"product_discount": 0,
"subvention_cashback_discount_percentage": 116500,
"product_discount_percentage": 0,
"subvention_type": 2,
"bank_interest_rate_percentage": 160000,
"bank_interest_rate": 1547088
}
],
"emi_scheme": null
},
"tenure_id": "24",
"tenure_in_month": "24",
"monthly_installment": 432587,
"bank_interest_rate": 160000,
"interest_pay_to_bank": 1547088,
"total_offerred_discount_cashback_amount": 1165000,
"loan_amount": 8835000,
"auth_amount": 8835000
}
],
"issuer_name": "HDFCCARDLESS",
"is_debit_emi_issuer": true
}
],
"response_code": 1,
"response_message": "SUCCESS"
}
Note:
1. Subvention Types:
a. NO COST EMI - When Subvention discount/cashback given to customer is equal to interest paid by customer.
b. LOW COST EMI - When subvention discount/cashback is given to customer is less than interest paid by customer.
c. STANDARD EMI - When there is no subvention discount/cashback given to customer.
2.EMI Model:
a. Single Cart Model : In this EMI is calculated on one product. This model supports the pre cashback, post cashback and instant discount subvention.
b. Multi Cart Model : In this EMI is calculated on multiple products. This model supports the instant discount subvention only.