Should You Offer EMI to Your Walk-in Customers?

Introduction: Why You Should Offer EMI at Your Storefront

Walk-in customers often face budget limitations that prevent them from purchasing high-value products. Offering EMI (Equated Monthly Installment) options at the point of sale can be a game-changer. With Secure EMI, merchants can now offer EMI even to walk-in customers — no need for credit cards or loans. This not only improves customer experience but also boosts your conversion rate and average order value.

The ability to offer EMI is no longer restricted to big eCommerce brands or financial institutions. It is now a smart, strategic option for D2C brands, small businesses, and retail stores looking to improve customer satisfaction and increase sales.

Why Offer EMI to Walk-in Customers?

Providing EMI options for your physical store visitors creates a frictionless buying experience. Here's why it's worth considering:

1. Capture More Sales

Often, customers walk away from purchases because they can't afford the lump-sum payment. When you offer EMI, you're giving them an alternative — they can own the product now and pay later in small, manageable installments.

2. Stay Competitive

Online stores and large retailers have been offering EMI for years. By extending the same convenience to walk-in customers, you stay relevant and competitive in today’s evolving retail landscape.

3. Build Customer Loyalty

When shoppers can easily afford your products through flexible payment options, they’re more likely to return. Repeat customers are not only more profitable but also more likely to recommend your store to others.

Benefits of Offering EMI with Secure EMI

Merchant-Funded EMI – No Banks Required

Unlike traditional EMI methods that rely on banks or credit cards, Secure EMI operates on a merchant-funded model. This means you control the EMI terms and pricing — no financial institution needed.

Instant Approval with UPI Autopay and NACH

Our system supports UPI Autopay and NACH for recurring EMI deductions, ensuring fast, secure, and automated collections. Customers authorize the EMI directly using their bank accounts, with full compliance under RBI and NPCI standards.

Zero Interest or Custom Interest Options

You can choose to offer zero-interest EMI plans to attract more buyers or apply a nominal interest to balance margins. The choice is yours.

No Costly Integrations

Secure EMI is plug-and-play. Whether you run a physical store, a simple website, or both — our platform works seamlessly with your customer journey.

Track, Manage, and Settle Payments Easily

The merchant dashboard allows you to monitor EMI activations, view customer authorization status, track collections, and receive timely settlements.

Offering EMI at your physical store isn’t just a payment option — it’s a powerful sales tool. Give your customers the flexibility they need, and watch your conversions grow.

How to Offer EMI to Walk-in Customers

Offering EMI through Secure EMI is simple and hassle-free. Here's how it works:

Step 1: Create Your EMI Plans

Use the Secure EMI dashboard to set up your installment options — choose tenure (3, 6, 9, 12 months), interest (if any), and minimum purchase value.

Step 2: Enroll the Customer Instantly

Once a customer agrees to an EMI plan, generate a secure link or QR code in-store. The customer uses their smartphone to enter basic KYC details and authorize recurring deductions via UPI Autopay or NACH.

Step 3: Track EMI Collections

After setup, all collections are automated. You get regular updates and reports on payment statuses, defaults (if any), and complete EMI lifecycle analytics.

Step 4: Receive Settlements

Collected amounts are settled to your business account as per your defined cycle — weekly, monthly, or custom.

Use Case: Electronics Retailer in Delhi

A small electronics retailer in Delhi recently adopted Secure EMI at their physical store. Before using the platform, they saw frequent drop-offs from customers unable to afford high-ticket appliances upfront. After integrating Secure EMI, they reported a 27% increase in conversion rate and a 42% boost in average order value — all without involving banks or credit cards.

FAQs About Offering EMI In-Store

1. Do I need a bank partnership to offer EMI?

No. Secure EMI is merchant-funded and does not require banks or credit cards.

2. Is it safe and RBI-compliant?

Absolutely. Secure EMI is built on NPCI infrastructure and supports UPI Autopay and NACH mandates with full compliance.

3. Can customers authorize EMI from their phones?

Yes. Walk-in customers can use their smartphones to complete KYC and authorize recurring payments in minutes.

4. How are payments collected?

EMI payments are auto-debited from the customer's bank account based on the schedule. You get complete visibility.

5. Can I customize EMI plans?

Yes. You can define interest rates, tenure, and minimum eligibility criteria from the merchant dashboard.

Ready to Offer EMI at Your Store?

Give your customers the flexibility they want and grow your business with confidence. Whether you sell furniture, electronics, fashion, or services — offering EMI can help you unlock more revenue.

✅ No banks

✅ No credit cards

✅ Just easy EMI with UPI Autopay and NACH

👉 Get Started with Secure EMI and offer EMI to walk-in customers with just a few clicks.