Quickstart

What can I do with UPI Setu?

UPI Setu caters to two specific categories of businesses — Aggregators and Merchants. Before you dive into the UPI Setu product suite, explore which category you belong to.

Aggregators

Aggregators are online/offline platforms that on-board multiple businesses and provide them value added services. Some examples include —

1. A food delivery app that onboards multiple restaurants, and enables delivery services for them.
2. Website creation platform with a storefront, that plugin providers can integrate with.
3. Insurance and loan marketplaces that can be used by any distributors to sell to customers.

Merchants

Merchants are online/offline businesses that provide goods and services directly to customers. Some examples include —

1. Loan providers who enable customers to get credit in their account and enable collections for repayment.
2. Direct-to-consumer brands that want to enable UPI as a payment option on their website/app or other messaging channels.
3. Streaming platforms that provide online services for education or entertainment through subscriptions and one-time plans.

Choose how to integrate

Already know you're on the merchant path? The tutorial below walks you through your first collect request.

Prerequisites

• A Setu account — sign up free if you don't have one.
• A clientID and secret from The Bridge → API credentials.
• curl, or your HTTP client of choice.

Make your first collect request

curl -X POST https://accountservice.setu.co/v1/users/login \
  -H 'client: bridge' \
  -H 'Content-Type: application/json' \
  -d '{ "clientID": "...", "secret": "...", "grant_type": "client_credentials" }'

{
  "access_token": "eyJhbGciOi...",
  "refresh_token": "eyJhbGciOi...",
  "expires_in": 1800
}

curl -X POST https://uatapi.setu.co/api/merchant/v2/collect \
  -H 'Authorization: Bearer $TOKEN' \
  -H 'X-Setu-Product-Instance-ID: 953XXXXXX' \
  -d '{
        "amountValue": 10000,
        "billerBillID": "INV-001",
        "payeeName": "Acme Pvt Ltd"
      }'

{
  "data": {
    "platformBillID": "SETU0xa3...",
    "shortURL":        "https://stu.li/abc",
    "upiID":           "setu.acme@axisb",
    "status":          "BILL_GENERATED"
  },
  "success": true
}