Why More Merchants Are Offering Their Own EMI Options

As consumer behavior continues to shift toward flexible spending, more merchants are stepping up to meet demand with in-house EMI (Equated Monthly Installment) options. This emerging trend is not just about convenience—it's becoming a smart business strategy to drive conversions, increase cart value, and build lasting customer loyalty.

For merchants, especially those in the D2C and SME space, offering EMI for customers without depending on banks or credit cards is a game-changer. Platforms like Secure EMI empower businesses to design and manage their own installment plans, helping them grow faster by removing financial friction from the checkout process.

What is Merchant EMI and Why It Matters

Merchant EMI refers to installment payment plans that are created and managed directly by the business, rather than relying on bank-backed EMI offers. These plans allow customers to spread the cost of a purchase over a fixed period, making high-value products more accessible.

Unlike traditional EMI solutions that require credit cards or lender approvals, Secure EMI operates on a merchant-funded model—meaning businesses themselves control the terms of the EMI without sacrificing security or compliance. This gives merchants the ability to:

• Customize tenure and pricing
• Offer zero-cost EMI promotions
• Increase affordability for customers
• Boost sales without involving third-party banks

The Rise of UPI Autopay and NACH for Recurring Payments

One of the major enablers behind merchant EMI adoption is the advancement in India’s digital payment infrastructure—particularly UPI Autopay and NACH-based EMI collections.

• UPI Autopayallows customers to authorize recurring payments directly from their UPI apps, making EMI deductions seamless and real-time.
• NACH (National Automated Clearing House) provides a bank-mandated route for recurring debit instructions, ensuring wider coverage and reliability for EMI recovery.

Both methods are automated, RBI-compliant, and secure—removing the need for manual reminders or collection efforts.

Real-Life Use Cases: How Merchants Are Winning with Secure EMI

Let’s take a look at how various types of businesses are leveraging Secure EMI to drive growth:

1. Electronics Retailers

A mid-size electronics store offering mobile phones and gadgets integrated Secure EMI on their checkout page. With a three-month no-cost EMI option through UPI Autopay, the merchant saw a 38% increase in conversion rates and higher average order value.

2. D2C Wellness Brand

A direct-to-consumer Ayurvedic supplement brand used Secure EMI to make subscription-based bundles more affordable. They utilized NACH for auto-debits and saw a drop in EMI-related defaults while enjoying consistent monthly collections.

3. Furniture Seller

An online furniture merchant used the platform to offer flexible payment plans on high-ticket items like sofas and dining sets. With full KYC and digital authorization, customers found the EMI process hassle-free and transparent, leading to improved trust and retention.

Offering your own EMI options isn’t just about convenience—it’s a powerful growth lever. With platforms like Secure EMI, merchants gain control, increase conversions, and build long-term customer trust—all without relying on banks or credit cards.

Benefits for Merchants: More Than Just Sales

Offering your own EMI option isn’t just about increasing transactions—it creates a full ecosystem that benefits your business:

• Higher Conversions: EMI breaks the price barrier, encouraging hesitant buyers to go ahead.
• Customer Loyalty: Affordable payments mean customers are more likely to return and refer.
• Improved Cash Flow: Secure EMI ensures scheduled, automated EMI collections.
• Reduced Reliance on Banks: No dependency on third-party financial institutions for approvals or integration.
• Full Control: You define the EMI structure, pricing, and terms.

Why Secure EMI is the Preferred Choice

Secure EMI stands out as a merchant-first platform built on India’s robust NPCI infrastructure. It offers:

• Simple integration with websites and offline systems
• UPI Autopay and NACH-based recurring payments
• Full KYC and RBI-compliant onboarding
• Real-time dashboard to monitor collections and settlements
• Secure data encryption and fraud prevention

From EMI plan setup to customer authorization and automated collections, Secure EMI handles it all—allowing you to focus on scaling your business.

Final Thoughts

Merchants across industries are realizing that providing EMI for customers is no longer a luxury—it’s a necessity. By embracing flexible payment solutions like Secure EMI, you're not just meeting customer expectations; you're staying ahead of the competition.

Ready to Boost Your Sales with Merchant EMI?

Start offering flexible, secure, and automated EMI plans today—without the hassle of banks or credit cards.
👉 Try Secure EMI and empower your customers to buy more, pay later.