Turn every checkout into an EMI sales channel.
When financing is slow or unavailable, ready-to-buy customers walk away. DPanda enables EMI and subvention exactly when it matters — at a retailer's counter, through our own checkout, or as a plugin on your Shopify store.
Wherever the sale happens, EMI shows up with it.
At a Local Retailer
No POS machine, no hardware rental. The retailer's staff runs the EMI application on any smartphone — a 2-minute flow that routes to 8+ lenders and completes the sale on the spot.
Through Our Own Checkout
A custom checkout with EMI and subvention built in — available as a plugin for Shopify merchants, so high-ticket items convert without leaving your store.
63% of customers drop off when EMI isn't available. We bring most of them back.
When a loan is rejected or a customer hesitates at checkout, DPanda creates a second conversion path: an alternate lender, a different tenure, or a personalised recovery link sent straight to the customer.
Customer intent
Ready to buy at a store counter or online checkout.
Finance friction
Loan rejected, process too slow, or no EMI option shown.
Checkout drop-off
Customer leaves before completing the purchase.
Smart recovery link
A personalised link offers an alternate lender or tenure.
Sale recovered
Customer completes the purchase through the new route.
More lenders routed, more approvals delivered.
8+ NBFCs & Banks
All mapped on one unified routing layer, evaluated in real time.
85%+ Approvals
Smart routing pushes each application to the lender most likely to approve it.
Inclusive Credit
Thin-file and new-to-credit customers are included, not filtered out.
6–36 Month Plans
Tenure options tailored to the buyer's profile and ticket size.
Checkout is funded by the rail underneath it.
Every EMI approval here runs on DPanda's Loan Origination System — and every completed sale becomes a candidate for influencer promotion and catalog analytics.
See the checkout in action.
Tell us your sales channel — retail, custom checkout, or Shopify — and we'll show you the exact flow your customers would see.