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DCEMI-PG Journey

contains 6 APIs

API product that focuses on Debit Card EMI loan journey for PG/ECOMM platform.
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Feature description
Debit card-based consumer durable EMI/loan for Bank's Pre-approved/Pre-qualified customers in a real time without any hassle of physical documentation.
Feature Icon
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Feature description
For applications through online channels like Payment Gateways, e-Com merchants etc
APIs

6 APIs used

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DCEMI_CheckEligibility

API display name : DCEMI - Check Eligibility
Description : API to check the eligibility of the customer for converting debit card transaction into EMI basis Mobile number and Last 4 digits of the debit card
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DCEMI_OTPValidation

API display name : DCEMI - OTP Validation
Description : API to authenticate the customer request for processing EMI transaction
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DCEMI_OrderConfirmation

API display name : DCEMI - Order Confirmation
Description : API to enable the partner to confirm the availing of the EMI facility by the customer
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DCEMI_StatusInquiry

API display name : DCEMI - Status Inquiry
Description : API to check the status of the Debit Card EMI transaction
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This API product journey is for those customers who want to convert their transaction amount via debit card into EMI from Merchants checkout page and can be integrated with Payment Gateways as well as with Merchants directly. Once the customer commences the journey, he/she will be taken through the following steps-

  1. To be able to apply for a Debit card loan, the customer’s information is checked with the help of the Check Eligibility API.
  2. An OTP will be generated for the customer to authenticate their application via OTP Validation API.
  3. Once the OTP is validated, the customer can convert their transaction into EMI, and/or opt for EMI option for the loan, where the Order Confirmation API will be called.
  4. Order cancellation API is used for initiating full/partial cancellation of the order/payment made on merchant/aggregators platform

Some of the most known applications of this API are with Payment Gateway aggregators and direct merchants.