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ZestMoney gets listed on every popular UPI app using Setu BillCollect

ZestMoney, one of India’s top consumer lending fintech companies, aims to improve the lives of more than 300 million households in India. These households currently lack access to formal financing due to insufficient credit history.

ZestMoney puts customers in touch with lending partners and helps manage their credit. Their platform uses mobile tech, digital banking and Artificial Intelligence to make the lives of millions of Indian consumers, more affordable.


Loan EMI collections with—

BBPS BillCollect

Collect payments on digital or offline channels

How ZestMoney integrated with Setu BBPS BillCollect

ZestMoney wanted to expand their EMI collection options—to enable their customers to repay them with ease. What better way, than to get listed on every popular UPI application, via a BBPS integration.

BBPS or Bharat Bill Payment System is an NPCI-powered interoperable payment network. It connects businesses who need recurring payments—like ZestMoney—to their customers via third-party applications like PhonePe, GPay, PayTm etc.

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The challenge—BBPS onboarding can eat up months

Getting onboarded on BBPS is a long, complicated affair. Working with incumbent financial institutions are a pain for every startup—due to messy documentation, poor technical support and lengthy processes.

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Our solution

ZestMoney used Setu BillCollect APIs and settlement services to go live on BBPS in under 3 weeks.

ZestMoney wanted to onboard on BBPS quickly, without multiple integrations with different banks. Setu BillCollect provides the fastest and easiest API integration for onboarding companies as billers on the BBPS network. Meanwhile, also making them discoverable across all BBPS-enabled UPI applications.

ZestMoney’s customers can now pay their EMIs from 400+ UPI apps and 3.5 million offline touch points.

“Integrating on BBPS through Setu was very smooth and their team was prompt in answering all our questions. The widespread reach of the BBPS network offers great convenience and functionality to an end customer. Now, they can pay us directly from any of their favourite UPI apps.”

Abhishek Pandey — Product Manager, ZestMoney

BBPS BillPay

Embed and monetise bill payments flows

Lending for Devs

Generate verified leads or link to pre-built loan journeys