In today’s fast-paced digital marketplace, Snapmint’s bnpl solution is reshaping how D2C brands in India drive conversions, enhance customer loyalty, and grow average order value—offering powerful buy now pay later solutions right from the first interaction. Let’s dive into how these pay later solutions are enabling brands to unlock new heights of performance and profitability.
1. Unlocking Affordability with Cardless EMI
Snapmint brings affordability and convenience together with a cardless EMI on UPI model—no credit card is needed. Customers simply verify via OTP, get instant approval, and split payments over 3/6/9 months, often with zero or low interest. This dramatically lowers the upfront financial burden and makes high-value purchases accessible across a much wider audience.
Unlike traditional EMIs tied to credit cards, this bnpl solution opens up EMI access to over 400 million middle-income users who primarily operate via UPI transactions.
2. Boosting AOV and GMV: The Snapmint Edge
Flexible payment transforms buying behavior. Snapmint’s EMI offerings consistently enable 20–40% uplift in AOV and checkout conversion rates, contributing to significant GMV growth.
Case studies speak volumes:
- Neeman’s: Added a 15% AOV rise and 18% revenue growth, while COD orders dropped and prepaid purchases increased.
- Titan: Recorded a 20% AOV surge, 17% conversion lift, and 13% of GMV attributed to Snapmint orders.
- Traya: Enabled high-intent wellness customers to convert efficiently using just a 33% down payment and 2-month EMI plans, streamlining checkout and lifting order completions.
These numbers reflect how strategic implementation of pay later solutions directly correlates to stronger customer engagement and revenue uplift.
3. Reducing Cart Abandonment & RTOs
Cart abandonment and return-to-origin (RTO) cases pose major threats to brand profitability, and buy now pay later solutions are helping brands dismantle these pain points.
- Flexible EMIs decrease hesitation at checkout by breaking down payments into manageable parts, encouraging customers to complete purchases.
- EMI-backed prepaid orders have significantly lower RTO rates—often under 2%, especially compared to high COD volumes.
- During festive seasons, EMI on UPI simplifies purchases, reduces post-purchase guilt, and minimizes returns—fueling revenue while improving customer satisfaction.
4. Reaching Tier 2-4 Markets & Emerging Shoppers
India’s credit infrastructure remains unevenly distributed, with many emerging consumers unable to access credit cards or conventional EMIs. Snapmint bridges this gap, enabling D2C brands to reach Tier 2–4 cities with instant, paperless EMI.
- Snapmint sees strong adoption even for AOVs under ₹2,000—50% of merchants had such low AOVs and still registered growth post-integration.
- The platform approves over 80% of UPI EMI applicants (from OTP to payment selection), making the process smooth and conversion-friendly.
This means that bnpl solution offerings help brands engage aspirational, value-conscious shoppers across India who were previously underserved.
5. Seamless Brand Experience with Transparency
One of the Snapmint differentiators is its white-labeled EMI checkout with upfront clarity—presenting EMI breakdowns transparently to instill buyer confidence without affecting brand identity.
Instant approvals, zero hidden charges, and T+2 settlement ensure smooth transactions for both customers and brands, while eliminating default risk for the merchants.
6. Festive Wins and Shopper Psychology
Festivals in India—like Diwali—are ruled by emotion and urgency. D2C brands that equip themselves with flexible EMI tools harness this psychology effectively.
- Diwali shopping in India touched ₹4.25 lakh crore in 2024; EMI on UPI makes it easier for shoppers to participate without upfront costs.
- Shoppers facing “gifting guilt” appreciate gift-giving made affordable—thanks to flexible EMIs and BNPL options. This nudges them from hesitation to purchase decisiveness.
So offering pay later solutions is not just about affordability—it’s about aligning with customer emotions and timely trends.
7. A Holistic Approach to Growth
Ultimately, Snapmint's flexible EMIs are more than a payment feature—they’re a strategic lever for D2C brands aiming to:
- Increase AOV and GMV without heavy discounting
- Expand market reach across credit-limited segments
- Reduce cart abandonment and RTOs by offering trusted flexibility
- Boost customer loyalty, especially during high-traffic seasons
By embedding Snapmint’s bnpl solution from checkout to delivery, brands can modernize their growth engine with affordability as the core value proposition.
Final Thoughts
Flexible EMIs via Snapmint are reshaping D2C performance in India. With buy now pay later solutions tailored for modern, credit-light consumers, brands are boosting conversions, deepening loyalty, and scaling sustainably. For D2C brands looking to grow smarter, the path is clear—pay later solutions are no longer optional; they’re the foundation of affordable, aspirational, and frictionless commerce.