# Setu

**Canonical:** https://apis.io/providers/setu/  
**Website:** https://setu.co/  
**APIs profiled:** 8

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.

## Kin Score — 20.6 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 20.6).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 19.0 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

## Agent readiness — 3.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Free — onboarding: unknown, pricing: free, trial: no (confidence: medium).

## APIs (8)

- **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.

## Security (1)

- **Setu Domain Security** — TLSv1.2 · HSTS · DNSSEC · DMARC

## Plans (1)

- **Setu Plans Pricing**

## Tags

Embedded Finance, UPI, BBPS, Account Aggregator, KYC, eSign, India, Fintech

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/setu/). Scores are computed from the provider's own public artifacts under a published rubric.