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
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
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: 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
maintainers:
  - FN: API Evangelist
    url: https://apievangelist.com