Installments

Build an EMI payment flow

Discover the EMI options available to your merchant account, calculate the full charge breakdown for an order amount, then ask Moneybag to show EMI options or preselect an approved EMI configuration at checkout. Eligibility and charge calculation remain Moneybag-owned decisions; do not maintain a local eligibility or fee table.

Integration sequence

1. List available EMI options for your merchant account.
2. Calculate eligible configurations and their full charge breakdown for the order amount.
3. Create checkout from your trusted backend with the reviewed payment_info fields, using the selected configuration and payment-service UUID.
4. Redirect to the exact hosted checkout URL returned by Moneybag.
5. Treat the hosted checkout redirect as navigation only.
6. Verify the resulting transaction before fulfillment.

Discover EMI options

curl --request GET "https://sandbox.api.moneybag.com.bd/api/v2/payments/emi-options" \
  --header "X-Merchant-API-Key: $MONEYBAG_MERCHANT_KEY"

Calculate EMI amounts

Use emi_configuration_ids to restrict the response to specific configurations returned by discovery, or omit it to receive every eligible configuration for the order amount. emi_configuration_ids accepts the same emi_configuration_id string returned per tenure by discovery above.

curl --request POST "https://sandbox.api.moneybag.com.bd/api/v2/payments/emi-amounts" \
  --header "X-Merchant-API-Key: $MONEYBAG_MERCHANT_KEY" \
  --header "Content-Type: application/json" \
  --data '{
    "emi_configuration_ids": [
      "emif336d0bcb841465b8045024475c079dd"
    ],
    "order_amount": "12000.00"
  }'

Each returned emi_payment_options entry is an object whose exact keys are not individually declared in the reviewed contract. Read only the fields you need for display and forwarding; do not hard-code an assumed key set or recompute a charge from partial fields.

Select EMI at checkout

{
  "payment_info": {
    "requires_emi": true,
    "emi_configuration_id": "APPROVED_CONFIGURATION_ID",
    "emi_payment_id": "PUBLIC_PAYMENT_SERVICE_UUID"
  }
}

emi_configuration_id is one selected string. emi_payment_id accepts the public payment-service UUID and is the reviewed checkout field; do not substitute the old guide's payment_service_id field.

Never calculate installment fees, settlement amounts, or eligibility locally — use the discovery and calculation operations above instead. Persist only the identifiers and authoritative checkout/verification data your order needs. Do not store card credentials or sensitive authentication data.