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EMI Terms & Conditions

Please read the following details pertaining to availing EMI for product purchases. Terms and conditions are provided based on PayU and are subject to change.

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Issuer bank’s credit card holder, at the time of making payment for products purchased from merchant, through PayU services may opt for cards EMI based purchase.


At the time of transaction, issuer banks’ credit card holders’ card are charged in full amount by the acquiring bank of PayU.


The merchant shall endeavor to deliver the product/service only after receiving a confirmation from the customer that said transaction has been converted into EMI.


PayU shall send details of the settled transactions for conversion to EMI along with its complete details, not later than 2 business days from the date of transaction to card issuing bank.


The transactions shall be converted to EMI transactions in offline mode.


The issuer bank shall endeavor to convert all transactions approved by them to EMI within 5 business days.


An EMI calculator needs to be available on the website before the payment page to explain the EMI calculation to the end customer and assist the customer in taking an informed decision.


The issuing bank may modify the terms of the EMI offering at any time. Further, the issuing bank may at its sole discretion chose to reject or change EMI tenure (basis customer history, amount of transaction) or withdraw EMI scheme completely.


PayU shall not be responsible to the merchant of the issuer banks credit cardholder for any disputes arising due to non-conversion of a transaction to EMI or informing the merchant about EMI rejection. The customer will have to inquire about the status of their EMI request from their issuing bank.

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