Snapmint EMI Integration: 5 Most Common Questions from D2C Founders

Key Takeaways:

• This blog addresses the most common questions D2C founders and marketers have about Snapmint’s no-cost EMI on UPI.
• It debunks myths around price point suitability, conversion rates, and COD cannibalization while explaining how Snapmint differs from credit card EMIs.
• With instant approvals, zero default risk, and strong adoption across both low and high AOV ranges, Snapmint helps brands boost AOV, improve conversions, and reduce RTOs, especially in credit-light Tier 2–4 markets.
• Many brands see COD orders shift to low-RTO EMI orders, improving profitability.

Thinking about enabling Snapmint, but not sure if it’s right for your brand?

Incorporating no-cost or low-cost EMI might lead to a lot of confusion and questions. 

But, don't worry.
You’re in good hands. We’ve spoken to hundreds of D2C founders and growth marketers, and many of them had the same questions at first.

“Will EMI even work for my price point?” “What about COD?” “How does Snapmint really compare to credit card EMIs?”

This blog brings together the most common questions we get (and honest answers backed by data). If you’re curious, cautious, or just exploring, this one’s for you.

Most Asked Questions About Snapmint Business

1. “My AOV is low (~₹1,000–2,000). Will my customers even want EMI?”

Answer: Absolutely.

• 75% of Snapmint carts are below ₹5,000
• 50% of our merchant base had AOV below ₹2,000 — and still saw AOVs increase to ₹2,500+ after integration
• Example: Raymond had an AOV of ₹2,000 and saw strong adoption

Affordability is about flexibility, not just price point. Even on low-ticket items, consumers value easy, no-cost installments.

2. “Snapmint’s success rate is lower than other EMI players.”

Answer: This is a common misconception.

• Over 80% of users proceed from OTP to payment selection
• Drop-offs usually happen at the downpayment stage, not earlier
• This can be optimized by:
  • Offering No Cost EMI
  • Breaking down EMI amounts (e.g., Pay-in-3 options)

Snapmint's conversion rates are strong when the offer structure is right.

3. “How is Snapmint different from credit card EMIs or BNPL players?”

Answer: Snapmint is India’s largest EMI on UPI platform, offering

• Cardless EMIs — no credit card required
• Less than 10-second approval time
• No hidden charges for the customer
• Zero default risk for the merchant
• T+2 settlements to ensure timely payouts

Credit card EMIs limit you to cardholders. Snapmint opens up affordability to a broader audience of 400 million+ shoppers.

4. “How does Snapmint affect approval and conversion rates?”

Answer:

• Instant approvals based on UPI and PAN data
• Less than 10 seconds from apply to approve
• Brands typically see:
  
  
  • Higher cart creation
  • Increased AOV
  • More successful checkouts due to flexible payment options

Snapmint improves conversion, especially in Tier 2–4 cities where credit access is limited.

5. “Will Snapmint cannibalize my COD orders?”

Answer: It may, and that’s actually beneficial.

• Many brands have seen 10–20% of COD orders shift to Snapmint EMI
• EMI orders through Snapmint have RTO rates of less than 2%

Snapmint doesn’t replace prepaid or COD - it converts risky CODs into EMI-based prepaid orders, improving profitability and delivery success.

Additional Questions About Snapmint EMI Integration

6. “Our buyers are aspirational. Will they use EMI?”

Answer: Yes. Aspirational buyers are value-conscious and love flexibility. EMI helps them access the products they want without compromising their budget.

7. “Are you running offers to push adoption?”

Answer: Yes. We frequently run:

• Discounted EMI offers
• Flat amount off on EMI orders
• Zero downpayment campaigns during high traffic periods

These campaigns typically see 2–3x increase in adoption.

Conclusion

Now that you have a fair idea of how no cost EMI on UPI works, get in touch with us for a free demo and quick Snapmint business integration. Unlock up to 10x growth in GMB with Snapmint’s card less EMI option for your customers.

Read about our clients’ success stories here.

Learn more about Snapmint Business and book a free demo to unlock 10x growth.