Setu UPI
Go live instantly. Scale infinitely.
Accept credit, EMI, pay-later, and debit—all through one API integration. Enable payments that your customers will love.
TRUSTED BY INDIA’S TOP COMPANIES
Why UPI Setu
Why settle for basic UPI when you can have more?
UPI Setu isn’t just another payment gateway—it’s your competitive advantage. Access an ecosystem that turns payment friction into customer delight.
India’s first NPCI-certified UPI switch
Instant payments. Instant refunds. Improved reliability.
Hassle-free accounting
Easy reconciliation. ZERO deemed transactions.
Effortless traffic surge management
10,000+ TPS. Under 1s latency.
Compliant with NPCI UDIR
Instant refunds. Reduced support tickets.
Granular transaction analytics
NPCI error report. Real-time fraud monitoring.
Flexible settlements
Settlements to more than one account. Optimised cash flow.
Products
The most convenient and reliable way to pay
Mandates, payment links, QR codes, fund blocks and account verification—each one an API on the same NPCI-certified switch, so you can combine them as your product grows.
Recur
Collect repeat payments from customers, with many customisations.
DeepLinks
Power 3-click payments for customers with payment links.
Flash
Power 3-click payments for customers with QR codes.
Reserve
Block funds for conditional, one-time payments.
Reserve plus
Block funds to make multiple, conditional debits.
Third party verification
Verify customer bank accounts when they make payments.
Use cases
Re-imagine payment journeys with UPI
Collect repeat payments for EMIs and premiums. Print QR codes for easy scanning.
Leverage the flexibility of payment mandates
Give customers control over how and when they are debited, without extra integration work.
INCLUDING
Conditional, one-time mandate triggering for limited-stock sales
Easy modification of amount to debit
Single mandate with flexible schedule for multiple SIPs
Ensure timely loan repayments without manual intervention
Set up mandates that keep EMI collection predictable for lenders and borrowers alike.
INCLUDING
Non-revocable mandates for loan EMI payments
TPV for payments only from specified accounts
Insights on customer repayment, preferred payment methods and accounts
Power trading margins securely and efficiently
Fund trading accounts from verified sources, with limits that update the moment money moves.
INCLUDING
TPV for payments from only verified bank accounts for securities
Instant trading limit updates
One mandate for multiple debits
Industries innovating and scaling with UPI Setu
Businesses across industries are leveraging the underlying capabilities of UPI Setu to reduce the cost of payments.
Discover the capabilities of our products and features that are tailored to enhance your payment operations.
Common questions
FAQs
How is UPI Setu different from other payment gateways offering UPI products?
Setu is certified as a switch by NPCI, the authority overseeing all things UPI. This certification gives us direct access to NPCI systems, allowing us to provide seamless integration, better uptimes, detailed statuses, and smart error handling. Because we’re a UPI switch, we’re quick to market with new features from NPCI and can actively address merchant concerns in collaboration with NPCI. We’ve crafted a top-notch, merchant-focused UPI solution. Instead of simply adding UPI as another payment option, we’ve thoughtfully explored the various ways UPI can enhance your business. Our features are accessible via APIs or through our low-code dashboard, allowing you to onboard yourself as a merchant or manage other merchants with ease.
How does UPI Setu provide better integrations, detailed statuses and smart error handling?
Setu has API-first UPI products that can assist merchants in fast onboarding. We have enabled granular and consistent success, failure and pending statuses across payments, registration, execution or revoke of mandates. You can either get a callback for status updates or ping for the latest value, and define multiple callback URLs to better segregate alerts. We pass on information about all error categories and descriptions made available by NPCI, so that you can assess the performance of your mandate payment flows. We handle failures with in-built retries to improve conversions, and use data on bank performance to optimise when retries are triggered. We also have APIs specifically tailored to merchant aggregators who want additional information about the performance of their merchants.
What are the important features UPI Setu provides for payments or mandates?
Setu takes care of everything UPI can offer, and is up-to-date with the latest features NPCI provides. We allow intent-based mandate registrations on Android and a customisable app drawer view for iOS, where a customer can choose the app they want to use for managing their mandate. We let you use TPV as an add-on to mandate registration, where you can customise the logic we use to decide whether a bank account can be used for future payments. We support specific use cases that your business category needs, like blocking customer-initiated mandate revoke for the lending category, or supporting a high execution limit for investment SIPs.