While loading the payment page, call Juspay List EMI plans API 
to get the list of EMI plans enabled across gateways.
Consume the EMI plans response and display those Standard EMI plans along with Offers as Discount/Cashback incase of No-cost and Low-cost EMI.
Order Creation payload changes:
For No-cost and Low-cost EMI transactions, include the “order_basket” details while creating the order for product based offers. Refer here for the parameter details
Before initiating an EMI transaction, it is recommended to perform an eligibility check using the Transaction eligibility API to ensure that the required gateways are available to process the EMI transaction.
Once a customer initiates a EMI transaction, you can initiate the transaction with Juspay with following changes:
Pass additional parameters emi_type,emi_tenure, is_emi, emi_bank and offers(OfferID) in the existing sdkProcess call that you are using to initiate card transactions
Juspay backend will route the transaction to the eligible gateway which has good health score.
User can complete the transaction using OTP authentication.
Juspay will include the EMI block in Webhooks and Order Status responses to distinguish normal and EMI transactions.
Backend changes are necessary at your end to consume these responses.
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