Pay Later & EMI
High-value packages (full-face laser, bridal packages, hair restoration) are easier to sell when patients can spread the cost. Razorpay's checkout can offer EMI and other pay-later options, so a patient pays in instalments to their bank while your clinic is paid upfront.
Is EMI available for my clinic?
Zennor doesn't switch EMI on or off. The Razorpay checkout shows EMI when:
- EMI is enabled on the Razorpay account that processes the payment: Zennor's account for Platform Route clinics, or your own account for Clinic Direct clinics; and
- the order amount and the patient's bank or card qualify.
Eligibility, approval and interest rates are decided in real time by the patient's bank and Razorpay's lending partners, not by Zennor. Whether EMI is available on Zennor's Razorpay account is decided by Razorpay. If you're on Platform Route and need EMI or no-cost EMI looked into, contact support@zennor.app.
EMI vs memberships
The two solve different problems, so set them up in different places.
| Membership | EMI | |
|---|---|---|
| What it is | A plan with regular benefits, like a monthly facial | Financing for one large purchase |
| Example | ₹2,999/month "Glow Club" with one HydraFacial a month | ₹1,20,000 bridal package paid over 6 months |
| How it's billed | A single payment for a month or a year, or monthly automatic renewal for Clinic Direct clinics | One full payment to your clinic; the patient repays their bank |
| Set up in | App Builder > Membership | Razorpay checkout, no setup in Zennor |
Never sell a ₹1,20,000 package as a "₹20,000/month membership for 6 months". If the patient stops paying in month 3, you've delivered treatment you haven't been paid for. Use EMI instead: you're paid in full upfront.
The patient's checkout
- The patient adds the treatment to their cart and checks out.
- In the Razorpay checkout, they choose EMI (or another pay-later option they're eligible for).
- They pick a tenure offered in Razorpay checkout for their bank or card, and confirm with their bank. Tenures are set by the bank and Razorpay's lending partners.
Standard vs no-cost EMI
- Standard EMI: the patient pays their bank's interest.
- No-cost EMI: under Razorpay's terms, the interest is deducted from your settlement, so the patient pays no extra. It has to be enabled on the Razorpay account that processes the payment.
What your clinic receives
An EMI payment works like any other payment for your clinic.
- Paid upfront: the payment is settled to your Razorpay account under your Razorpay settlement terms, less Razorpay's fees and any no-cost EMI charges.
- Instalments with the bank: the instalments are between the patient and their bank or lender. Zennor doesn't collect them. How a payment is settled is set by Razorpay's terms, not by Zennor.
Refunds
- Refund the order from Sales & Orders in Zennor.
- Razorpay returns the money to the patient's bank or card.
- The patient's bank or lender handles any outstanding EMI balance.
Interest or processing fees the bank has already charged the patient may not be refundable, depending on the bank. Make sure patients understand your refund policy before they buy a large package on EMI.