v1

latestOpenAPI 3.1.0Copyright Pismo2026-07-247702,7523.1 MB

UPI

EMI select

United Payments Interface (UPI) funds Equated Monthly Installments (EMI) for RuPay, an Indian card network.

Before calling this endpoint, you can call List cards to get the account_reference_number. You should also call Validate card to make sure the card data for the transfer request is genuine.

This endpoint generates a Payment methods authorization created event and a Platform authorization created event.

This operation is idempotent, meaning, it can be applied multiple times, yet the outcome remains the same. To guarantee this, the request has an external_transaction_id field, which must be unique by transaction type in the context of the same account reference number.

post/v1/cards/emi-select

Headers

Authorizationstring required

Example:Bearer eyJhbGci...IUzUx

Account token - an access token encoded with a Pismo account ID. Tokens can expire quickly, which can result in a <b>401 Unauthorized</b> message.

user-agentstring required

Client consuming API.

Request body

amountnumber required

Transaction amount

currencystring required

Transaction currency. ISO 4217 3-digit currency code. For example - INR (Indian rupee)

account_reference_numberstring required

Account reference number. Pismo creates this automatically when creating a card linked to RuPay on UPI.

This number combines 10 BIN digits and the credit account number. If BIN is 6 digits, the remaining 4 digits are set to zero (0). If BIN is 8 digits, then the remaining 2 digits are set to zero. This is a NPCI standard. For example, if the account reference number = 1234560000987654321, the first six digits are the BIN, appended with 4 zeros and then the credit account number (`987654321``).

You can call List cards to get a card's account reference number.

external_transaction_datetimestring required

Request datetime. ISO 8601 format.

external_transaction_idstring required

Request ID code

original_external_transaction_idstring required

Request identification code

emi_status'PRE' | 'POST' | 'DURING' | 'FORECLOSE' required

EMI status

mccstring required

Transaction Merchant Category Code (MCC)

merchant_namestring required

Merchant name

transaction_type'C' | 'D' | 'R' | 'E' | 'F' required

Transaction type:

C - Credit
D - Debit
R - Reversal
E - Equated monthly installments (EMI)
F - Foreclose

upi_reference_numberstring required

UPI reference number

transaction_referencestring

Transaction reference

credit_account_numberstring

Payee account number if available

Example request

{
  "amount": 500,
  "currency": "INR",
  "account_reference_number": "12345600000000001140340134",
  "external_transaction_datetime": "2020-09-15T19:39:54.013Z",
  "external_transaction_id": "MGS584A1244F6BC4D50A3FABE6D93DF913C",
  "original_external_transaction_id": "MGS584A1244F6BC4D50A3FABE6D93DF913C",
  "emi_status": "DURING",
  "mcc": "6012",
  "merchant_name": "Cafe Coffee Day",
  "phone": {
    "country_code": "91",
    "phone": "9592714958"
  },
  "transaction_type": "C",
  "upi_reference_number": "165238546812",
  "transaction_reference": "Lunch",
  "credit_account_number": "98765004371",
  "foreclose_data": {
    "contract_amount": 122.98
  },
  "emi_data": {
    "contract_amount": 122.98,
    "principal_amount": 100.98,
    "number_of_installments": 3,
    "fees": [
      {
        "amount": 20.98,
        "rate": 5.9
      }
    ],
    "taxes": [
      {
        "amount": 20.98,
        "rate": 5.9
      }
    ],
    "interests": [
      {
        "amount": 20.98,
        "rate": 5.9
      }
    ],
    "installments": [
      {
        "contract_amount": 122.98,
        "principal_amount": 100.98,
        "number_of_installments": 3,
        "fees": [
          {
            "amount": 20.98,
            "rate": 5.9
          }
        ],
        "taxes": [
          {
            "amount": 20.98,
            "rate": 5.9
          }
        ],
        "interests": [
          {
            "amount": 20.98,
            "rate": 5.9
          }
        ]
      }
    ]
  }
}

Response

Emi created

external_transaction_idstring required

Request ID code

status'PROCESSING' | 'ACCEPTED' | 'ERROR' | 'CANCELLED' required

Transaction status

upi_reference_numberstring required

UPI reference number

authorization_idnumber

Authorization ID

authorization_datetimestring datetime

When transfer was authorised. RFC 3339 format.

Example response

{
  "external_transaction_id": "MGS584A1244F6BC4D50A3FABE6D93DF913C",
  "status": "PROCESSING",
  "upi_reference_number": "165238546812",
  "authorization_id": 2263052808,
  "foreclose_data": {
    "contract_amount": 122.98
  },
  "emi_data": {
    "contract_amount": 122.98,
    "principal_amount": 100.98,
    "number_of_installments": 3,
    "fees": [
      {
        "amount": 20.98,
        "rate": 5.9
      }
    ],
    "taxes": [
      {
        "amount": 20.98,
        "rate": 5.9
      }
    ],
    "interests": [
      {
        "amount": 20.98,
        "rate": 5.9
      }
    ],
    "installments": [
      {
        "contract_amount": 122.98,
        "principal_amount": 100.98,
        "number_of_installments": 3,
        "fees": [
          {
            "amount": 20.98,
            "rate": 5.9
          }
        ],
        "taxes": [
          {
            "amount": 20.98,
            "rate": 5.9
          }
        ],
        "interests": [
          {
            "amount": 20.98,
            "rate": 5.9
          }
        ]
      }
    ]
  }
}