Setu

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.

Setu is listed with 8 APIs on the APIs.io network. Tagged areas include Embedded Finance, UPI, BBPS, Account Aggregator, and KYC.

Setu’s developer surface includes documentation, developer console, GitHub presence, engineering blog, and 7 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

12.3/100 emerging ▼ -6.1 Agent 13/100 agent aware Full breakdown ↓
scored 2026-10-17 · rubric v0.24.0

AccessFree

8 APIs 1 MCP Servers

Embedded Finance UPIBBPSAccount AggregatorKYC E-Signature India Fintech

Kin Score

Kin Score How this is scored →
scored 2026-10-17 · rubric v0.24.0

Composite quality — 12.3/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 0.9 / 17

Operational Transparency 1.2 / 11

Contract Governance 0.0 / 10

Discoverability 6.4 / 9

Regulatory Posture 0.9 / 15

Agent readiness — 13/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 5 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/setu: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
India Stack (Account Aggregator, ONDC, UPI, DigiLocker, Aadhaar)	regulated	20.6 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

RESO UPI

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

APIs 8

Individual APIs this provider publishes, each with its own machine-readable definition.

Setu UPI (UPI Setu)

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 ...

Setu BBPS BillCollect

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...

Setu BBPS BillPay

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.

Setu WhatsApp Collect

Automates payment reminders and bill-pay journeys over WhatsApp, combining BBPS bill fetch and UPI collection inside a conversational flow.

Setu Account Aggregator

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 ...

Setu KYC

KYC API suite for verifying individuals and businesses in India (Aadhaar, PAN, GSTIN, bank account, business identity), used during onboarding by fintechs, lenders, and marketpl...

Setu Aadhaar eSign

Aadhaar-based electronic signature API for collecting legally valid signatures on documents, with audit trail and signed PDF retrieval.

Setu The Bridge (Developer Console)

The Bridge is Setu's developer console for configuring products, issuing API credentials, viewing transaction and settlement reports, and managing webhook endpoints.

Scroll for all 8

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Setu MCP Server

Remote MCP server at billpay-mcp.setu.co over HTTP.

MCP SERVER

Pricing Plans 1

Published pricing tiers and plan structures.

Setu Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Setu Rate Limits

2 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Setu Finops

FINOPS

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Setu Domain Security

TLSv1.2 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Console

Console

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LlmsText

LlmsText

Build 1

SDKs, sample code, and the tooling you integrate with

GitHub

GitHub

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Source (apis.yml)

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
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
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: Producing
created: '2026-05-23'
modified: '2026-05-23'
tags:
- Embedded Finance
- UPI
- BBPS
- Account Aggregator
- KYC
- E-Signature
- India
- Fintech
tags_raw:
- 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: '0.23'
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 Payments
  - Payments
  tags_raw:
  - 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
  - Collection
  - Payments
  tags_raw:
  - 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:
  - E-Signature
  - Aadhaar
  - Documents
  tags_raw:
  - 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: Plans
  url: plans/setu-plans-pricing.yml
- type: RateLimits
  url: rate-limits/setu-rate-limits.yml
- type: FinOps
  url: finops/setu-finops.yml
- 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

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