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Bank & Payment Offer Restrictions — Promotions

How to access on Fynd Platform
  1. Platform Panel
  2. Sales Channel (select application)
  3. Marketing
  4. Offers
  5. Promotions

Introduction​

Bank and payment offer restrictions on promotions let sellers run automatically applied discounts tied to specific payment methods. Unlike coupon-based bank offers (where the customer enters a code), payment-restricted promotions are evaluated and applied by the system when the customer selects a qualifying payment method at checkout.

This is commonly used for bank-partnered campaigns (e.g., "Extra 15% off with SBI cards"), EMI offers, wallet promotions, or UPI-exclusive discounts.

Supported Payment Modes​

ModeDescriptionRestrictions Available
CARDCredit and debit cardsCard type, card network, bank code, card IIN
NBNet bankingBank code
WLDigital walletsMerchant/wallet code
UPIUPI paymentsIntent apps, VPA handles

Payment Restriction Fields​

The restriction structure for promotions is identical to coupons. Each payment mode supports:

  • Types — Card types (e.g., CREDIT, DEBIT). CARD mode only.
  • Networks — Card networks (e.g., VISA, MASTERCARD, RUPAY). CARD mode only.
  • Codes — Bank or merchant codes (e.g., HDFC, ICICI, PAYTM).
  • IINs — Card IIN prefixes (first 6 digits) for fine-grained card targeting.
  • Uses — Per-payment-mode usage limits:
    • Max — Maximum uses with this payment mode.
    • Remaining — Auto-decremented remaining uses.
  • Meta (UPI-specific):
    • Intent Apps — Allowed UPI apps (e.g., GooglePay, PhonePe).
    • VPA Handles — Allowed VPA providers (e.g., @okhdfcbank).

How Payment-Restricted Promotions Differ from Coupons​

AspectCoupon with Payment RestrictionPromotion with Payment Restriction
ApplicationCustomer enters a coupon codeAutomatically applied by system
Validation timingOn code entry + at payment selectionOn every cart recalculation + at payment selection
VisibilityShown in coupon list on storefrontShown on PDP and cart if eligible
Usage trackingPer coupon codePer promotion ID
Bank offer flagAuto-set from payment restrictionsAuto-set from payment restrictions

Creating a Promotion with Payment Restrictions​

  1. In the platform sidebar, expand your sales channel under SALES CHANNEL, click Marketing, then click Offers. Select the Promotions tab. Click Create.

  2. Select the promotion type (e.g., Percentage, Amount, BOGO, etc.) and fill in the basic details — name, description, offer text, and discount configuration.

  3. Configure the Buy Rules to define which items or cart conditions trigger the promotion.

  4. Scroll to the Restrictions section. Expand the Payment Mode configuration.

Promotion creation form with payment restriction section expanded

Figure 1: Promotion creation form with payment restriction section expanded

  1. Add a payment mode restriction:
    • Select the Payment Mode (CARD, NB, WL, UPI).
    • Enter the Codes — bank codes, wallet providers, or merchant codes.
    • For CARD mode, optionally set Types, Networks, or IINs.
    • For UPI mode, optionally set Intent Apps or VPA Handles.
    • Set the Max Uses for the payment mode if needed.

Payment mode restriction fields for a promotion

Figure 2: Payment mode restriction fields for a promotion

  1. Complete the schedule, priority, stacking settings, and other restrictions. Set the status to Approved to activate.

Validation Flow​

  1. Cart view — The promotion is evaluated against the cart. If the cart meets the buy rules but no payment method is selected yet, the promotion is flagged for payment validation.

  2. Payment selection — When the customer selects a payment method:

    • The system checks if the selected payment mode, bank code, card type, network, or IIN matches the restriction.
    • For card payments, the system fetches card details (IIN, bank code, card brand, card type) and validates against the restriction.

  3. Validation passes — The promotion is applied and the discount is reflected in the cart.

  4. Validation fails — The promotion is not applied. The storefront may show the offer as "available with [specific payment method]" to guide the customer.

  5. Payment method change — If the customer switches payment methods, all payment-restricted promotions are re-validated. Promotions are added or removed based on the new payment method.

info

Payment-restricted promotions may appear on the Payment Offers section at checkout, showing which offers the customer can unlock by choosing a specific payment method.

Payment Offers API (Storefront)​

The storefront can fetch payment-specific offers using the Payment Offers endpoint. This returns all promotions available for specific payment methods, allowing the frontend to display them during payment selection.

The endpoint returns:

  • Promotion name and offer text
  • Applicable payment modes
  • Discount details
  • Eligibility status based on the current cart

Example: SBI Card Offer​

A seller creates a "Flat Rs. 200 off on SBI credit/debit cards" promotion:

  1. Promotion type: Amount
  2. Promotion name: "SBI Card Offer — Rs. 200 Off"
  3. Discount: Rs. 200 flat
  4. Buy rules: All items, cart total > Rs. 1000
  5. Payment restriction:
    • Mode: CARD
    • Codes: SBI
    • Types: CREDIT, DEBIT
  6. Usage limits: Max 1 per user

The promotion is automatically applied when a customer with Rs. 1000+ cart selects an SBI card at checkout. If the customer switches to Paytm wallet, the Rs. 200 discount is removed.


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