Setu

aid: setu
name: Setu
description: Setu (a Pine Labs company) is an API-first embedded finance infrastructure provider for India. Its product catalogue
  covers UPI acceptance and payouts, BBPS bill collection and bill payment, WhatsApp-based payment journeys, Account Aggregator
  (RBI's consent-based financial data sharing framework), KYC for individuals and businesses, and Aadhaar eSign. The Bridge
  is Setu's developer console for configuring products, issuing credentials, and reviewing transactions and settlement. All
  products are exposed as REST APIs documented at docs.setu.co.
type: Index
accessModel:
  pricing: free
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Free
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/setu.png
access: 3rd-Party
position: Producer
created: '2026-05-23'
modified: '2026-05-23'
tags:
- Embedded Finance
- APIs
- UPI
- BBPS
- Account Aggregator
- KYC
- eSign
- India
- Fintech
url: https://raw.githubusercontent.com/api-evangelist/setu/refs/heads/main/apis.yml
specificationVersion: '0.20'
apis:
- aid: setu:upi
  name: Setu UPI (UPI Setu)
  description: End-to-end UPI product suite for merchants and aggregators - collect requests, deep-link / intent flows, UPI
    AutoPay mandates, payment verification, and settlement reporting on India's Unified Payments Interface rails.
  humanURL: https://docs.setu.co/payments/upi-setu
  baseURL: https://docs.setu.co/payments/upi-setu
  tags:
  - UPI
  - Payments
  - Collect
  properties:
  - type: Documentation
    url: https://docs.setu.co/payments/upi-setu
- aid: setu:bbps-billcollect
  name: Setu BBPS BillCollect
  description: Enables businesses to become BBPS billers so that customers can pay their bills from any BBPS-enabled app.
    APIs cover biller onboarding, bill fetch, bill payment, and settlement reporting.
  humanURL: https://docs.setu.co/payments/bbps-billcollect
  baseURL: https://docs.setu.co/payments/bbps-billcollect
  tags:
  - BBPS
  - Bill Collection
  - Payments
  properties:
  - type: Documentation
    url: https://docs.setu.co/payments/bbps-billcollect
- aid: setu:bbps-billpay
  name: Setu BBPS BillPay
  description: Lets apps and platforms offer bill payment to any BBPS biller in India. Provides biller catalogue, fetch-bill,
    payment, and status APIs along with pre-built UI options.
  humanURL: https://docs.setu.co/payments/bbps-billpay
  baseURL: https://docs.setu.co/payments/bbps-billpay
  tags:
  - BBPS
  - Bill Payment
  - Payments
  properties:
  - type: Documentation
    url: https://docs.setu.co/payments/bbps-billpay
- aid: setu:whatsapp-collect
  name: Setu WhatsApp Collect
  description: Automates payment reminders and bill-pay journeys over WhatsApp, combining BBPS bill fetch and UPI collection
    inside a conversational flow.
  humanURL: https://docs.setu.co/payments/whatsapp-collect
  baseURL: https://docs.setu.co/payments/whatsapp-collect
  tags:
  - WhatsApp
  - Collections
  - Payments
  properties:
  - type: Documentation
    url: https://docs.setu.co/payments/whatsapp-collect
- aid: setu:account-aggregator
  name: Setu Account Aggregator
  description: Setu's Account Aggregator stack lets regulated entities consume consent-based financial data from a customer's
    other institutions under RBI's AA framework, for personal finance management and loan underwriting.
  humanURL: https://docs.setu.co/data/account-aggregator
  baseURL: https://docs.setu.co/data/account-aggregator
  tags:
  - Account Aggregator
  - Open Finance
  - Consent
  properties:
  - type: Documentation
    url: https://docs.setu.co/data/account-aggregator
- aid: setu:kyc
  name: Setu KYC
  description: KYC API suite for verifying individuals and businesses in India (Aadhaar, PAN, GSTIN, bank account, business
    identity), used during onboarding by fintechs, lenders, and marketplaces.
  humanURL: https://docs.setu.co/data/kyc
  baseURL: https://docs.setu.co/data/kyc
  tags:
  - KYC
  - Identity
  - Onboarding
  properties:
  - type: Documentation
    url: https://docs.setu.co/data/kyc
- aid: setu:esign
  name: Setu Aadhaar eSign
  description: Aadhaar-based electronic signature API for collecting legally valid signatures on documents, with audit trail
    and signed PDF retrieval.
  humanURL: https://docs.setu.co/data/aadhaar-esign
  baseURL: https://docs.setu.co/data/aadhaar-esign
  tags:
  - eSign
  - Aadhaar
  - Documents
  properties:
  - type: Documentation
    url: https://docs.setu.co/data/aadhaar-esign
- aid: setu:bridge
  name: Setu The Bridge (Developer Console)
  description: The Bridge is Setu's developer console for configuring products, issuing API credentials, viewing transaction
    and settlement reports, and managing webhook endpoints.
  humanURL: https://bridge.setu.co/
  baseURL: https://bridge.setu.co/
  tags:
  - Console
  - Developer Portal
  - Reporting
  properties:
  - type: Website
    url: https://bridge.setu.co/
common:
- type: DomainSecurity
  url: security/setu-domain-security.yml
- type: Website
  url: https://setu.co/
- type: Documentation
  url: https://docs.setu.co/
- type: Console
  url: https://bridge.setu.co/
- type: LinkedIn
  url: https://www.linkedin.com/company/setuhq
- type: GitHub
  url: https://github.com/SetuHQ
- type: LlmsText
  url: https://docs.setu.co/llms.txt
- type: Blog
  url: https://setu.co/blog
maintainers:
- FN: API Evangelist
  url: https://apievangelist.com