Girmiti team has expertise in consulting, designing and developing new financing offers including an industry first option that will enable consumers to purchase multiple products under one single EMI and do away with the difficulty of managing multiple EMIs. The platform supports spends at several verticals such as Retail, Electronics, Restaurants, Hospitals, Medical, Sports.

The option to purchase many other products and services online or at merchant outlets through EMI is available. This will allow customers to buy any product of their choice by paying in easy monthly instalments. Business will grow with comprehensive EMI option which enable access to EMIs for Debit card. Here we can get low-cost EMI options form participating Banks. All EMI Rules shall be mapped to their respective Issuer/ Non-Banking Financial Company (NBFC). All configured EMI rules shall be utilized for creating EMI offers and cashbacks.

Girmiti brings in the professional services on EMI solutions to help the merchants offer EMI to their Customers to help them increase their sales with reputed banks or their Customer banks. The merchant has an option of converting the purchase into an EMI during the sale transaction.

Using a PoS device based application with backend solution, a wide range of features are enable to accept & handle payments easily, along with tPOS, mPOS, Android POS & sPOS.

The merchants can share their products online giving the consumer options of EMI to pick for one time payment, merchants can also provide facilities on field for physical devices by assigning it to their agent users or at merchant locations to support the customer’s transactions.

The EMI platform is designed to handle End to End Payments, which accept all payment modes – Credit Cards/Debit Cards/Net Banking (with No Cost EMI as well) proving the customers a seamless option. Merchant selects the product, proceed towards checking out, under the payment mode section click on the EMI, where different EMI plans from different banks are available. Merchant selects the EMI plan of choice, enter the card details, account details and proceed to pay. If the available card or bank account limit is more than the purchase amount, then transaction will be successful and hence the purchase will be made.

  • Admin, merchants and end user registrations features for front end channels and back end system servers as well as Portal

  • For front end channel to support POS additional features to current CR/DB applications for all devices

  • EMI parameters, EMI features and offers

  • Transaction flows & get EMI details with brands

  • EMI features to execute with middle ware platform to processors

  • EMI integration with TMS and PG

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