Create Higher Affordability for your
Customers to Drive up Sales &
Average Value of Transaction

Sales & Average Value of Transaction

Pinelabs Solution Solution

Pine EMI is comprehensive and reliable solution which enables merchants or manufacturers to offer their consumers convenient EMI payment option, instantly at Point of Sale (POS). The technologically advanced platform developed by Pine Labs, allows a single POS to process EMI transactions across banks, tenures, product categories and also run programs like Cash Back, Instant Discounts etc.

Pine EMI can engage almost the entire universe of card-carrying customers with a single agreement signed with Pine Labs. With high levels of security, reconciliation capabilities & ease of use, the Pine EMI solution is the perfect fit for manufacturers, issuers and acquirers alike to accelerate business volumes.

EXPAND CONSUMER BASE

EXPAND CONSUMER BASE

  • Grow first time customers by providing affordability
  • Access to millions of credit card holders of leading Banks (Citibank, HDFC Bank, ICICI, American Express, HSBC, Axis Bank, SBI, Standard Chartered, Kotak Mahindra, RBL Bank, IndusInd Bank)
  • First of its kind, EMI facility for Debit card holders of few Banks
UNPARALLELED FLEXIBILITY

UNPARALLELED FLEXIBILITY

  • Flexibility to create tactical programs like Cash back, Instant Discounts etc.
  • Supports offers by Retailer, Manufacturers, Location and Product
INCREASE REVENUE

INCREASE REVENUE

  • Opportunity for upsell and spot sales conversion
  • Facilitates to target schemes for sales of higher priced aspirational products
CASHIER FRIENDLY APPLICATION

CASHIER FRIENDLY APPLICATION

  • Cashier error proof transaction Flow
  • One POS terminal for all banks and all transaction type
LEVERAGE OF NETWORK

LEVERAGE OF NETWORK

  • Option of creating tactical programs with issuer’s participation
  • Marketing and Promotion support from Banks and Manufacturers