• Offer EMI without Card to non-credit card customers.
  • Tap into customers not previously accessible to you.
  • Upsell - Customers purchase higher value items due to EMI option.
  • Attract repeat purchases due to Additional Line of Credit extended.

Learn more about partnering with us.

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How it works

Why choose Us?


Integrate Kissht into your site. We provide API Documentation and Integration samples as well as step by step support.

Why choose Us?


Customers can now checkout using Kissht, the same way that they would with a conventional payment gateway.

Why choose Us?

Final approval

Kissht collects documents from the Customers within 36 hours of the Order being placed and notifies the Merchant of Final Approval.

Why choose Us?


Merchant Receives instant settlement from Kissht and then dispatches the order to the Customer.


Kissht allows business to offer Instant & Easy EMI payment options to their customers

  • EMI without Card
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NextGen Framework
  • Instant EMI Available
    Our unique technology allows customers to instantly avail EMI facility. Your Customer gets the product and You get the business…. instantly
  • Credit Decision Engine
    Our unique self-learning decision engine looks beyond traditional credit scoring metrics to determine customers credit-worthiness
  • Widest Range of EMI
    Loan based EMI for purchases or Credit Card EMI or Debit Card EMI-We have it all ! So you can offer the entire range of EMI payment options to your customers
  • Fast & Easy Transaction
    Help your customers complete their EMI transactions quickly & easily with our optimized web based checkout. Works equally well across different Browsers and Devices
  • Secured Environment
    Security is in our DNA. Your customer information and your transaction data is protected by industry best security standards
  • Easy Plug & Play
    We have ready integration kits for every major platform - .net, Java, php ... Name your platform and we've got the kit. You can get set and #GoLiveIn30Min
  • No Hidden Fees
    We are committed to clear and transparent pricing. You will never have to worry about extra cost.
  • #GoLiveIn30Min
    We offer super simple APIs and plug-ins to go live instantly


Integrating with Kissht is a very straightforward process. We provide you with a very simple well designed and well defined API Integration Manual as well as the sample kits in the language of your choice. Our technology team is available to assist you with any integration related questions you may have.

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NextGen Framework

Once Integrated, managing your payments recevied via Kissht is incredibly simple. Each merchant has access to their own Merhcant Panel which will provide them with all the information that they require. The Merchant team will be able to view all the past transactions as well as request Cancellation, Returns and also Modify Order amounts from the Merchant Panel.


  • Kissht offers the widest range of EMI option on one platform - EMI without Card from multiple financiers, Credit Card EMI from 10 banks and Debit Card EMIs
  • EMI payment options have helped businesses acquire upto 18% more customers
  • EMI payment options at point of sale or checkout have helped businesses grow their ticket size by 27 – 30%
  • With up to 100% financing, Your customers can buy their dream products now with flexibility of repaying it over time
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Kissht EMI without Card - Also available for your Retail Outlets

NextGen Framework

The same convenience of Kissht checkout is also available for your Brick and Mortar stores. We have specialized solutions for your physical stores that have the potential of increasing sales by both increasing the ticket sizes and the increasing customers.

  • Special POS Panel
  • Individual Login for Each Outlet
  • Track Unified Sales from the Admin Panel
  • Kissht provides training for your staff
  • Instant Checkout for Pre Approved Customers

Kissht Option on your Checkout Page

Payment Options

EMI Without Card
Powered by
Provide Basic Details
Upload Documents & Make Downpayment
Merchant Ships your products
Pay for your purchase over time, in easy monthly payments.
  • Instant Online Approval
  • Attractive Interest Rates including 0% EMI
  • Multiple Tenure Options upto 12 months
  • EMI for Purchases as low as 5000 upto 1,25,000
  • Supported cities : Ahmedabad, Amritsar, Aurangabad, Belgaum, Bengaluru, Bhopal, Bhubaneswar, Panchkula, Chandigarh, Zirakpur, Mohali, Chennai, Coimbatore, Gurgaon, Ghaziabad, New Delhi, Noida, Dharwad, Secunderabad, Hyderabad, Indore, Jaipur, Kanpur, Kolhapur, Kolkata, Ludhiana, Mathura, Navi Mumbai, Mumbai, Raigad, Thane, Nagpur, Nashik, Pune, Shimoga, Surat, Vadodara, Gulbarga, KOCHI, Trivandrum, Kozhikode, Gwalior, JABALPUR, Ujjain, BHIWANDI, JALGAON, Nanded, JALANDHAR, PATIALA, AJMER, UDAIPUR, BIKANER, Jodhpur, Buldhana, Solapur, Akola, Ahmednagar, Amravati, Dhanbad, JAMSHEDPUR, Ranchi, CUTTACK, ROURKELA, KOTA, VIJAYAWADA, NELLORE, VISAKHAPATNAM, Guntur, Guwahati, PATNA, BHILAI, RAIPUR, RAJKOT, Bhavnagar, Jamnagar, FARIDABAD, Ambala, MYSORE, Mangalore, DEHRADUN, ASANSOL, Kharagpur, Durgapur, Delhi, Warangal, MADURAI, Tiruchirappalli, SALEM, ERODE, ALLAHABAD, VARANASI, LUCKNOW, Barabanki, BAREILLY, Tiruppur
EMI Without Card
Powered by Kissht
Credit Card Options
Debit Card Options
Cash on Delivery Options

Kissht EMI without Card Also Supports Your Android & iOS Apps. Download Demos :