Case Study: How to Pitch EMI Financing to Your In-Store Customers

Offering EMI financing for in-store customers is no longer a luxury—it’s a growth strategy. Whether you run a retail shop, an electronics store, or a D2C outlet, your buyers want the flexibility to split payments into manageable installments. For merchants, EMI financing isn’t just about affordability; it’s about increasing sales conversions, improving customer loyalty, and competing with online marketplaces.

This case study explores how retailers can successfully pitch EMI financing inside physical stores, why it works, and how Secure EMI provides a secure, RBI-compliant way to power these transactions.

Why EMI Financing for In-Store Customers Matters

Walking into a store, customers often admire products but hesitate at the checkout because of upfront costs. EMI solves this pain point. Instead of losing potential buyers, merchants can step in with a simple pitch:

This small shift can:

• Break the cost barrier.
• Boost walk-in conversions.
• Encourage bigger-ticket purchases.

In fact, many merchants report that EMI financing for in-store customers directly increases average order values and reduces cart abandonment.

Case Study Example: Electronics Retailer Boosts Sales

Let’s consider the case of a mid-sized electronics retailer in Delhi. Their customers loved browsing new smartphones and appliances but often postponed purchases due to price tags.

By integrating Secure EMI’s merchant-funded EMI model, the store introduced flexible installment plans at the point of sale. Here’s what changed:

• Sales conversions increased by 30% within three months.
• Customers opted for higher-end models because affordability improved.
• The store built stronger repeat relationships as customers returned for upgrades.

The key was not just offering EMI—it was how the staff pitched EMI financing in-store.

How to Pitch EMI Financing in Your Store

Pitching EMI in-store requires more than placing a poster near the billing counter. Merchants must train staff to present EMI as a customer-friendly solution.

1. Start with Empathy

Sales associates should first listen to customer concerns about price. Then, instead of pushing, offer EMI as a relief:

2. Highlight Flexibility

Explain that customers can pay in monthly installments without needing a credit card or bank loan—just UPI Autopay or NACH authorization.

3. Use Real Numbers

Instead of saying, “This phone is ₹30,000,” reframe it:

4. Showcase Security and Trust

Reassure buyers that Secure EMI is built on NPCI’s infrastructure, is RBI-compliant, and ensures safe collections.

5. Train Your Staff

Role-play pitching scenarios with your sales team. Staff confidence in explaining EMI options translates directly into customer trust.

Benefits of Offering EMI Financing In-Store

Introducing EMI financing for in-store customers comes with measurable benefits:

• Higher Conversions: Reduce customer hesitation at checkout.
• Increased Average Ticket Size: Customers buy better models or add more items.
• Competitive Edge: Compete effectively with online sellers offering flexible payments.
• Customer Loyalty: Shoppers appreciate flexibility and return for future purchases.
• Faster Settlements: With Secure EMI, merchants receive timely payouts while collections are automated.

How Secure EMI Works for In-Store Financing

Secure EMI simplifies the process for both merchants and customers.

• Merchant Setup: Merchants create EMI plans through the Secure EMI dashboard.
• Customer Authorization: Customers authorize payments via UPI Autopay or NACH eMandate at the store itself.
• Automated Collections: Secure EMI handles recurring payments securely every month.
• Merchant Settlement: Funds are settled back to merchants without delays.

The platform ensures that merchants don’t need to rely on banks or credit card providers. It’s a direct merchant-customer engagement model.

Offering EMI financing in-store isn’t just about convenience — it’s a proven way to increase sales and build stronger customer relationships. With Secure EMI, merchants can pitch flexible payment options that remove price hesitation and boost conversions.

Real-Life Applications of In-Store EMI

• Furniture Stores: Customers take home complete sets instead of single pieces.
• Jewelry Retailers: EMI financing allows more buyers to purchase high-value ornaments.
• Appliance Shops: Fridges, washing machines, and TVs become more accessible.
• D2C Fashion Outlets: Installments make premium clothing lines more affordable.

FAQs on EMI Financing for In-Store Customers

Q1. Do customers need a credit card for EMI financing?

No. With Secure EMI, customers authorize payments using UPI Autopay or NACH, eliminating the need for credit cards.

Q2. Is EMI financing safe for merchants?

Yes. Secure EMI ensures RBI compliance, secure KYC, and automated collections on NPCI’s trusted infrastructure.

Q3. How quickly do merchants receive settlement?

Merchants receive timely settlements as per the EMI plan cycle, ensuring predictable cash flow.

Conclusion & Call to Action

Pitching EMI financing for in-store customers isn’t about selling a product—it’s about removing financial friction. Merchants who confidently present EMI options at the right moment can dramatically boost sales and customer satisfaction.

With Secure EMI, you can set up merchant-funded EMI plans, ensure seamless collections, and stay RBI-compliant without relying on banks or credit cards.

👉 Contact Secure EMItoday and start offering smarter, customer-friendly EMI plans in your store.