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What is Cardless EMI?

Cardless EMI is a checkout payment method that allows customers to convert their payment amount to EMIs. The user doesn’t require a debit or credit card. The payments are made via credits approved by the supported Cardless EMI payment partner.

To improve online payment flexibility, the Cardless EMI option is available on Keracart Checkout with custom UI integration methods for web, mobile web and mobile (Android and iOS) platforms.

Cardless EMI is a new form of payment method for consumers of Keracart users can complete the payment via approved credits from various EMI payment partners like ZestMoney, EarlySalary and InstaCred.

Customer journey using Cardless EMI

Since this is an alternate payment method to credit/debit card, netbanking, wallets and UPI, the end consumer will be given an option to choose Cardless EMI as a payment option during checkout.

However, it is vital that a customer is registered with one of the preferred Cardless EMI payment partners, and must have an approved credit limit from the partner.

Here’s how the payment flow works on keracart checkout:

Step 1: Enter the required details on the checkout form and select EMI


Step 2: Select your cardless EMI service provider


Step 3: Authorise account via the OTP sent to your registered phone



Step 4: Select an EMI plan to complete the transaction