How EMI Options Can Increase Sales and Reduce Abandonment

In the fast-paced world of eCommerce, offering EMI options for online shopping is more than a convenience—it's a proven sales accelerator. Whether you're a D2C brand or a growing SME, the ability to let customers buy now and pay later can directly impact your bottom line. As consumer expectations shift toward flexible, hassle-free payment methods, EMI options help remove cost barriers and reduce cart abandonment.

For merchants, integrating EMI plans into their checkout isn’t just a value-add—it’s a competitive edge. That’s where Secure EMI comes in, enabling businesses to offer instant, RBI-compliant installment options without banks or credit cards. This blog explores how EMI options can drive more sales, reduce friction at checkout, and create loyal, repeat customers.

Why EMI Options for Online Shopping Matter

The modern consumer expects flexibility. High upfront costs often deter potential buyers, especially in price-sensitive markets. Offering EMI options for online shopping directly addresses this challenge.

When customers see they can split payments into manageable installments, purchase anxiety decreases. Whether it's a ₹10,000 mobile phone or a ₹50,000 appliance, EMI makes it more accessible. This shift is especially useful in India's growing digital-first economy, where customers are increasingly comfortable with UPI, NACH, and other recurring payment methods.

A recent report shows that cart abandonment rates hover around 70% for eCommerce stores. High total cost at checkout is one of the primary reasons. EMI can change that narrative.

How EMI Options Drive Conversion

EMI solutions create a smoother path to purchase. When shoppers are presented with flexible payment plans at the checkout stage, they’re more likely to complete the transaction. Here’s how EMI increases conversion and reduces abandonment:

• Decreased Upfront Financial Pressure

  Customers can buy now and pay over time, which encourages quicker purchase decisions.

• Improved Customer Perception

  Offering EMI adds credibility to your brand and positions you as customer-friendly.

• Higher Average Order Value (AOV)

  EMI plans encourage customers to spend more, increasing their basket size.

Benefits of Offering EMI Options Through Secure EMI

Secure EMI is built specifically for merchants who want control, flexibility, and ease of use. Here’s how it benefits your business:

1. Merchant-Controlled Plans

With Secure EMI, you define the EMI terms—tenure, down payment, interest (if any)—without relying on banks or credit cards.

2. Increased Conversions and Sales

Flexible EMI plans help reduce cart abandonment and encourage higher-value purchases.

3. 100% Digital, Paperless Process

No paperwork or lengthy approvals. Customers authorize via UPI Autopay or NACH in minutes.

4. Automated EMI Collections

Our platform handles all recurring payments, ensuring on-time collections without manual follow-ups.

5. RBI-Compliant & Secure

Secure EMI uses NPCI-approved infrastructure and is fully KYC-enabled, offering peace of mind to merchants and customers.

Businesses that offer EMI options for online shopping can see up to a 30% increase in conversion rates and a significant drop in cart abandonment. Secure EMI empowers merchants with a flexible, secure, and credit-free installment experience for customers.

How Secure EMI Works

Setting up EMI options with Secure EMI is simple, secure, and seamless.

Step 1: Create Your EMI Plans

Log into your merchant dashboard and configure your custom EMI schemes based on your pricing strategy.

Step 2: Share With Customers

Embed Secure EMI on your website or share a payment link. At checkout, customers choose EMI and authorize payment using UPI Autopay or NACH.

Step 3: Automated Collections

Secure EMI manages the entire recurring payments process, automatically debiting EMIs on schedule.

Step 4: Instant Merchant Settlements

Receive payments in your account as per your settlement terms—hassle-free and transparent.

Real-World Use Case

Case Study: Electronics D2C Brand

A mid-sized electronics company selling gadgets online integrated Secure EMI to offer 3, 6, and 9-month installment plans. Within the first month, they saw a:

• 25% increase in order completion rate
• 30% rise in average order value
• 40% reduction in abandoned carts

Frequently Asked Questions (FAQ)

Q1. Do I need a bank or financial institution to offer EMI?

No. With Secure EMI, you can offer merchant-funded EMI plans without involving banks or credit cards.

Q2. How are payments collected?

Secure EMI uses UPI Autopay or NACH to automatically deduct EMIs from your customer’s account securely and on time.

Q3. Is Secure EMI safe and compliant?

Absolutely. We’re fully RBI-compliant and use NPCI’s infrastructure to ensure secure EMI collections.

Q4. Who can use Secure EMI?

D2C brands, online sellers, and SMEs across industries can use Secure EMI to increase conversions and simplify collections.

Ready to Boost Sales with EMI Options?

EMI options for online shopping are no longer optional—they’re a strategic necessity. With Secure EMI, you can give your customers the flexibility they crave while increasing conversions, reducing abandonment, and accelerating revenue growth.

Start offering smart, secure EMI options today.

👉 Get Started with Secure EMI or Schedule a Demo to see how it works.