Endpoint

POST /emi/fetch/rates

Header: checksum
Header: Content-Type: application/json

Request (FetchEmiDetailsRequest)

curl --location 'https://{{host}}.zaakpay.com/api/emi/fetch/rates' \
--header 'checksum: e633dedc0f51dab4c3790c2b7c6a8a24fac21f98011ddadffd80b8c8a50fde88' \
--header 'Content-Type: application/json' \
--header 'Cookie: JSESSIONID=787FE943C419946AE413FC6A12423C6B; JSESSIONID=41D2645B9D5F442A2A1E85FB9E8623EF.162.243' \
--data '{
    "merchantIdentifier":"b19e*****1b6b7973",
    "amount":35000.00,
    "bankId":"AXIS_CC_EMI",
    "bin":"430834",
    "cardType":"CC"
}
'

Field	Type	Required	Notes
merchantIdentifier	String	Yes	Used for merchant lookup + checksum
amount	BigDecimal	Yes	Amount for EMI quote
bankId	String	Optional**	Zaakpay bank id (see mapping)
bin	String	Optional**	First 6 digits used if longer
cardType	String	Optional*	CC / DC (filters response bucket)

* Without cardType and without bin/bankId, CC lists can be returned.

** Behaviour depends on whether both are present.

Field order matters: the JSON body must list fields in the order shown above (or as in the example requests) since the checksum is calculated over that ordering.

Behaviour

bin + bankId	Response
Both absent (or either missing)	All possible EMI options for amount
Both present	Tenures for that bin + bank only

Example Requests

Field order in the JSON body must be preserved exactly as shown — the checksum is computed over the fields in this order, and reordering them will cause a checksum error.

All options:

{
  "merchantIdentifier": "<mid>",
  "amount": 10000,
  "cardType": "CC"
}

Specific bank + bin:

{
  "merchantIdentifier": "b19e8f103bce406cbd3476431b6b7973",
  "amount": 35000.00,
  "bankId": "AXIS_CC_EMI",
  "bin": "430834",
  "cardType": "CC"
}

Bank ID Mapping (EmiBankIdEnum)

Bank	Card	Zaakpay bankId
HDFC	CC	HDF_CC_EMI
ICICI	CC	ICICI_CC_EMI
Axis	CC	AXIS_CC_EMI
IndusInd	CC	IDS_CC_EMI
RBL	CC	RBL_CC_EMI
SCB	CC	SCB_CC_EMI
Yes Bank	CC	YBK_CC_EMI
SBI	CC	SBI_CC_EMI
BoB	CC	BBR_CC_EMI
Federal	CC	FBK_CC_EMI
IDFC	CC	IDN_CC_EMI
Kotak	CC	162_CC_EMI
AU	CC	AUS_CC_EMI

Success Response Shape

{
  "success": true,
  "data": {
    "emiCreditDetails": {
      "minAmount": 3000.00,
      "tncUrl": null,
      "bankWiseDetails": [
        {
          "bankId": "HDF_CC_EMI",
          "bankName": "HDFC Bank",
          "emiTenures": [
            {
              "tenureInMonths": 3,
              "amount": 10000.00,
              "processingFees": 0,
              "taxAmount": 0,
              "totalAmount": 10200.00,
              "emiAmount": 3400.00,
              "totalInterest": 200.00,
              "interestRate": 12.00
            }
          ]
        }
      ]
    }
  }
}

No bin/bankId: many banks in bankWiseDetails (CC → emiCreditDetails, if cardType empty).
bin + bankId present: single bank in the bucket matching cardType (CC → credit).
Null fields are omitted (@JsonInclude(NON_NULL)).