Object

EMI Calculator

Shown below is a sample response returned through our EMI Calculator API.

{
  "issuer": [
    {
      "list_emi_tenure": [
        {
          "offer_scheme": {
            "product_details": [
              {
                "schemes": [
                  {
                    "scheme_id": 1682,
                    "program_type": 112,
                    "is_scheme_valid": true
                  }
                ],
                "product_code": "SMG975FCWG",
                "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": "SMG975FCWG",
                "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
        },
        {
          "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": 30756,
                "product_discount": 0,
                "subvention_cashback_discount_percentage": 56000,
                "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": "9",
          "tenure_in_month": "9",
          "monthly_installment": 125841,
          "bank_interest_rate": 140000,
          "interest_pay_to_bank": 63325,
          "total_offerred_discount_cashback_amount": 30756,
          "loan_amount": 1069244,
          "auth_amount": 1069244
        },
        {
          "offer_scheme": {
            "product_details": [
              {
                "schemes": [
                  {
                    "scheme_id": 1682,
                    "program_type": 112,
                    "is_scheme_valid": true
                  }
                ],
                "product_code": "SMG975FCWG",
                "product_amount": 550000,
                "subvention_cashback_discount": 39532,
                "product_discount": 0,
                "subvention_cashback_discount_percentage": 56000,
                "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": "12",
          "tenure_in_month": "12",
          "monthly_installment": 95215,
          "bank_interest_rate": 140000,
          "interest_pay_to_bank": 82112,
          "total_offerred_discount_cashback_amount": 39532,
          "loan_amount": 1060468,
          "auth_amount": 1060468
        },
        {
          "offer_scheme": {
            "product_details": [
              {
                "schemes": [
                  {
                    "scheme_id": 1682,
                    "program_type": 112,
                    "is_scheme_valid": true
                  }
                ],
                "product_code": "SMG975FCWG",
                "product_amount": 550000,
                "subvention_cashback_discount": 60209,
                "product_discount": 0,
                "subvention_cashback_discount_percentage": 0,
                "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": "18",
          "tenure_in_month": "18",
          "monthly_installment": 64867,
          "bank_interest_rate": 150000,
          "interest_pay_to_bank": 127815,
          "total_offerred_discount_cashback_amount": 60209,
          "loan_amount": 1039791,
          "auth_amount": 1039791
        }
      ],
      "issuer_name": "HDFC",
      "is_debit_emi_issuer": false
    }
  ],
  "response_code": 1,
  "response_message": "SUCCESS"
}

The table below lists the various parameters returned in the EMI Calculator response objects.

Parameter	Type	Description
issuer	`array of objects`	An array of object that contains the issuing bank EMI details. Learn more about the `issuer` child object.
response_code	`integer`	Status of the API processing. Note: Value `1` denotes success. Example: `1`
response_message	`string`	Message corresponding to the response code. Example: `SUCCESS`

Issuer [Child Object]

The table below lists the various parameters in the issuer child object. This object is part of the EMI Calculator sample response object.

Parameter	Type	Description
list_emi_tenure	`array of objects`	An array of object that contains the EMI tenure details of each issuer. Learn more about the `list_emi_tenure` child object.
issuer_name	`string`	Bank name. Example: `HDFC`
is_debit_emi_issuer	`boolean`	Identifier of the issuer type. Example: `true` Accepted values: `true`: `false`:

List EMI Tenure [Child Object]

The table below lists the various parameters in the list_emi_tenure child object. This object is part of the issuer object.

Parameter	Type	Description
offer_scheme	`object`	An object that contains the offer applicable details on each product. Learn more about `offer_scheme` child object.
tenure_id	`string`	Tenure ID specified by pine labs. Example: `3`
tenure_in_month	`string`	EMI tenure in months specified by Pine Labs. Example: `18`
monthly_installment	`integer`	Monthly instalment amount in Paisa. Example: `2345`
bank_interest_rate	`integer`	Bank interest rate. Example: `150000`
interest_pay_to_bank	`integer`	Payable interest to Bank in Paisa. Example: `127815`
total_offerred_discount_cashback_amount	`integer`	Total discount applicable on cart value. Example: `60209`
loan_amount	`integer`	The amount in paisa for which the loan is approved. Example: `1039791`
auth_amount	`integer`	Bank authorization amount in paisa. Example: `1039791`

Offer Scheme [Child Object]

The table below lists the various parameters in the offer_scheme child object. This object is part of the list_emi_tenure object.

Parameter	Type	Description
product_details	`array of object`	An array of object that contains the product details. Learn more about the `product_details` child object.
emi_scheme	`object`	An object that contains the EMI scheme details. Learn more about the `emi_scheme` child object.

Product Details [Child Object]

The table below lists the various parameters in the product_details child object. This object is part of the offer_scheme object.

Parameter	Type	Description
schemes	`array of object`	An array of objects that contains the list of program applicable on the product. Learn more about `schemes` child object.
product_code	`string`	Product code. Example: `40`
product_amount	`integer`	The amount on the product. Example: `550000`
subvention_cashback_discount_percentage	`integer`	Subvention cashback discount in percentage. Example: `0`
product_discount_percentage	`integer`	Discount on the product in percentage. Example: `0`
subvention_type	`integer`	Offer type. Accepted values: `1`: No cost EMI `2`: Low cost EMI `3`: Standard EMI
additional_cashback	`string`	Additional cashback. Example: `0`
bank_interest_rate	`integer`	Bank interest rate in Paisa. Example: `0`
bank_interest_rate_percentage	`integer`	Bank interest rate in Percentage. Example: `0`

EMI Schemes [Child Object]

The table below lists the various parameters in the emi_schemes child object. This object is part of the offer_scheme object.

Parameter	Type	Description
scheme_id	`integer`	Applicable scheme ID on the product. Example: `1683`
program_type	`integer`	Scheme type. Accepted values: `105`: Bank EMI `106`: Brand EMI `108`: Product Discount `112`: Subvention Discount
is_scheme_valid	`boolean`	Status of the scheme validation. Accepted value: `true`: `false`:

Schemes [Child Object]

The table below lists the various parameters in the schemes child object. This object is part of the product_details object.

Parameter	Type	Description
scheme_id	`integer`	Applicable scheme ID on the product. Example: `1683`
program_type	`integer`	Scheme type. Accepted values: `105`: Bank EMI `106`: Brand EMI `108`: Product Discount `112`: Subvention Discount
is_scheme_valid	`boolean`	Status of the scheme validation. Accepted value: `true`: `false`:

Scheme Validation

Shown below is a sample response returned through our Scheme Validation API.

{
  "response_code": 1,
  "response_message": "SUCCESS"
}

The table below lists the various parameters returned in the Scheme Validation response objects.

Parameter	Type	Description
response_code	`integer`	Status of the API processing. Note: Value `1` denotes success. Example: `1`
response_message	`string`	Message corresponding to the response code. Example: `SUCCESS`

Accept Payment

Shown below is a sample response returned through our Accept Payment API.

{
  "token": "S03%2fbPRIyC1A6jR%2bmmQrUeW4oQEL4vFBA722BtwavAdQuw%3d",
  "response_code": 1,
  "response_message": "SUCCESS"
}

The table below lists the various parameters returned in the Scheme Validation response objects.

Parameter	Type	Description
token	`string`	Unique token created for a transaction. Example: `S03%2fbPRIyC1A6jR%2bmmQrUeW4oQEL4vFBA722BtwavAdQuw%3d` Note: You need to pass this token in our Process Payment API.
response_code	`integer`	Status of the API processing. Note: Value `1` denotes success. Example: `1`
response_message	`string`	Message corresponding to the response code. Example: `SUCCESS`

Process Payment

Shown below is a sample response returned through our Process Payment API.

{
  "response_code": 1,
  "response_message": "SUCCESS",
  "redirect_url": "http://hostname:port/pinepg/v2/process/payment?token=848RFsu%2bRnNcSsaZdzEgkeosvCc2o5lK TV4uKJF%2fcjE%3d"
}

The table below lists the various parameters returned in the Scheme Validation response objects.

Parameter	Type	Description
response_code	`integer`	Status of the API processing. Note: Value `1` denotes success. Example: `1`
response_message	`string`	Message corresponding to the response code. Example: `SUCCESS`
redirect_url	`string`	Plural seamless checkout URL. Navigate your customers to this URL to accept payment. Example: `http\://hostname:port/api/v2/process/payment?token=ubrjAgbVaJVrGz67y%2fZCjCveYWNymE7ULAlOO7FCbz4% 3d`