ok, last year i post about "RuPay Card's New 3D Secure Payment Gateway Support Recurring Payment, Tokenization, EMI, Quick checkout & more". Its RuPay's newly develop BEPG e-com gateway. Migration to Bharat eCommerce Payment Gateway (BEPG) still under progress. Last time i heard in february month 3 banks live and 17 banks under certification. I think it will take some time to solve EMI transaction problem or i think its also depend on credit card variant, i mean no cost EMI may be available on HDFC premium credit cards. HDFC RuPay Bharat and IndianOil card is lower variant card. Premium HDFC RuPay Millennia, Moneyback+ credit card coming soon.