Cashfree Payment Gateway - Offers, Discounts & No-Cost EMI

Send POST /pg/offers with offer_meta (title, description, unique offer_code, validity window), offer_details with offer_type DISCOUNT and discount_details, and offer_validations containing a payment_method filter such as card with bank_name and scheme_name. The response returns an offer_id to attach at payment.

No-cost EMI is an offer with offer_type NO_COST_EMI combined with a card-EMI payment method. Create the offer with an emi payment_method filter specifying issuer and tenures, then attach the offer_id when the customer selects EMI at checkout so Cashfree waives the interest.

Check the payment_offers array in the PAYMENT_SUCCESS_WEBHOOK under data.payment. Confirm offer_redemption.redemption_status is SUCCESS and read discount_amount before fulfilling the order as discounted; FAILED means the customer paid full price.

No, Cashfree has no list-all-offers endpoint and no PGFetchOffers SDK method. Track the offer_id from each creation response, fetch individual offers with GET /pg/offers/{offer_id}, or use POST /pg/eligibility/offers to find offers eligible for a specific order.

The payment method used did not match the offer's payment_method filter, or the order amount fell below min_amount. Inspect offer_ineligibility_reason in the webhook, which reports causes like bank_mismatch, scheme_mismatch, amount_below_minimum, or tenure_not_supported.

Use Offers when the discount depends on payment-method attributes like card bank, network, or EMI tenure, since Cashfree validates eligibility at payment time. For merchant-controlled promotions like coupon codes or SKU sales, adjust order_amount in your own cart logic instead.