Top 5 Reasons to Offer EMI to Your Customers

Offering flexible payment options is no longer just a nice-to-have — it’s a must for businesses that want to stay competitive. One powerful solution gaining momentum is merchant EMI — a simple, bank-free way to let customers pay in installments. With platforms like Secure EMI, merchants can offer EMI for customers without relying on credit cards or banks, using UPI Autopay or NACH for hassle-free, automated payments.

Whether you’re a direct-to-consumer (D2C) brand, a retail business, or a growing enterprise, enabling EMI payments can drive conversions and increase your average order value. Let’s break down the top five reasons why EMI should be part of your business strategy.

1. Boost Conversions and Sales with Affordability

When a customer is faced with a high upfront cost, hesitation is natural. EMI plans remove that barrier by allowing the customer to split the payment into manageable monthly installments. This significantly improves purchase confidence and increases the likelihood of completing the sale.

Use Case:

A D2C electronics brand implemented Secure EMI on its checkout page. Within a month, they saw a 35% increase in sales of high-ticket items like smartphones and laptops, as customers could now buy on easy monthly payments without needing a credit card.

Key Benefit: Higher affordability leads to faster purchase decisions and more completed checkouts.

2. Increase Average Order Value

Customers are more likely to buy premium products or add extra items to their cart when they don’t have to pay the full amount upfront. By offering EMI at the point of purchase, you’re giving buyers the flexibility to spend more without financial strain.

Use Case:

A furniture retailer using Secure EMI noticed that their average cart value jumped by 40% once they offered EMI options with UPI Autopay. Customers upgraded to better products knowing they could spread the payments across a few months.

Key Benefit: Flexible payments translate into higher revenue per transaction.

3. Eliminate Dependency on Banks and Credit Cards

Traditional EMI options often rely on the customer having a credit card or bank approval. This excludes a large segment of the population, especially first-time buyers, students, and new-to-credit customers.

With Secure EMI, you can offer merchant-funded EMI plans backed by NACH or UPI Autopay, making it accessible to a wider audience.

Use Case:

An apparel brand catering to Tier 2 and Tier 3 cities added Secure EMI as a payment option. By removing the need for a credit card, they expanded their reach to a previously untapped market — and saw a 2x increase in repeat purchases.

Key Benefit: Access more customers by offering EMI without financial gatekeepers.

4. Ensure Seamless, Automated EMI Collections

Manual follow-ups and payment delays can hurt your cash flow and customer relationships. With Secure EMI, you can automate the entire EMI collections process using RBI-compliant technologies like UPI Autopay and NACH mandates.

This ensures timely deductions and reduces default risks, all while giving the customer a frictionless experience.

Use Case:

A home appliance retailer adopted Secure EMI’s automated system and eliminated over 90% of late payment issues. The automation ensured customers received reminders and payments were deducted without manual intervention.

Key Benefit: Smooth, predictable revenue stream without chasing payments.

5. Build Customer Loyalty and Trust

Giving your customers flexible payment options sends a strong message: you understand their needs and care about convenience. This builds goodwill and increases the chance of repeat business.

Secure EMI also supports KYC-enabled onboarding and uses NPCI’s infrastructure to ensure secure, compliant transactions. When customers feel safe and in control, they come back.

Use Case:

A beauty products subscription box service integrated Secure EMI into its checkout flow. Customers appreciated the flexibility, and the brand saw a 50% increase in subscription renewals within three months.

Key Benefit: Payment flexibility builds lasting customer relationships.

Offering EMI through Secure EMI empowers your business with credit-free, secure, and automated payment options — no banks, no credit cards, just seamless collections via UPI Autopay or NACH.

Why Choose Secure EMI?

Secure EMI offers everything merchants need to offer hassle-free installment options:

• Merchant-funded EMI with no dependency on banks or cards
• UPI Autopay and NACH-based recurring payments
• Fully automated EMI lifecycle — from plan creation to collections
• Secure, RBI-compliant infrastructure
• Quick KYC and customer onboarding

Whether you're an e-commerce brand, retail shop, or service provider, Secure EMI empowers you to increase revenue and reduce payment friction — all while offering your customers more flexibility and control.

Get Started with Secure EMI Today

Start offering EMI to your customers with zero hassle and maximum growth potential. Let Secure EMI handle the entire process — from setup to settlement — so you can focus on growing your business.

With Secure EMI, you can empower your customers with instant, credit-free EMI options while keeping control in your hands. It’s easy to set up, fully secure, and optimized for recurring payments and collections — making it the ideal EMI solution for forward-thinking merchants.

Ready to boost sales and simplify collections? Contact Secure EMI and enable EMI payments on your store today.