Embedded bill payments for your business

Rival popular UPI apps and let users pay electricity bills, EMIs and more. Earn revenue for successful payments.
Add your branding to pre-built, BBPS-certified payment screens or design your own screens with our APIs.

Want to know more on how to partner with Setu for this product?


This month’s bill for your mobile is due in two weeks


Thank you for the payment.

Your bills


Bharat Telecom

Mobile no.


Bill amount


Pay another bill



Apna Bank Ltd

UPI logo

Bharat Telecom


Payment success!
BBPS Be Assured logo




Due on


Paid on


Amount paid


Download receipt


The quickest way to let your users pay their bills

Monetise bill payments for your business

Let your users pay electricity bills, EMIs and more. Earn revenue per successful payment.
As a lender or NBFC
Boost usage of your credit line to service bill payments
As an insurance provider
Retain customers on your platform by enabling bill payments
For Domestic Money Transfer
Integrate bill payments on agent partner's app and earn revenue share
As a Neobank
Increase MAU by 2X with a native bill payment experience
As any B2C app
Rival any popular UPI app with your own native bill payment experience

and more use cases

A complete bill payment experience for customers

One-stop solution

Customers can pay bills, get real-time payment updates, download receipts and view transaction history.

Inbuilt dispute management

Customers may raise disputes to BBPS for transactions, get updates once resolved and see dispute history.

Always updated

Bill payments made instantly possible for newly added BBPS categories and billers.

Validated bill payment

Out-of-the-box support for validation of customer inputs or payment rules.

Integrate the way you want

Access these features, with any integration—
  • Use complete payment flows, with transaction history / dispute management

  • Get in-built UPI payment, or opt for custom gateway

  • Get notified for payments or any BBPS updates

1-line integration on websites
Set custom branding and link to pre-built BBPS-certified screens with complete features for bill payments.
Website ↗
Embed web-views on any app
Set custom branding and use pre-built, pre-hosted BBPS-certified screens for the entire bill payment experience.
Build your own UX using APIs
Integrate directly with our COU APIs for complete flexibility in building your customer-facing UI/UX.
API integration ↗
Your app

Pays bills for electricity, water, mobile recharges and more.


Tuition Fees



Piped Gas




Book cylinder

Recently paid bills
All billers

Green Meadows Kindergarten

New Indian Public School

RTC International School

Seedling Boarding

St Pauls Academy

Enter account number


Account #2485930205

To pay

Bill paid!

Download receipt

Pay bills



Make it yours

Select your theme colour

Collect payments to your own business

Already on BBPS? Use our pre-built screens to get paid easily.
Send users directly to the payment screen with bill details.
Try our pre-built experience for yourself. Go ahead, fetch an actual bill and pay!

Not on BBPS BOU yet?

Get listed as a BBPS biller to accept digital or offline payments to your own business


Collect repeat payments digitally or offline

What is BBPS?

Bharat Bill Payment System is a payment ecosystem on which different categories of billers can register on, with bill payments enabled for utility bills, loan EMIs, school fees, subscriptions and more.

BBPS is run by NPCI that enables bill payments via digital (bank channels) as well as through a network of agents & bank branches

What is NPCI?

National Payments Corporation of India maintains the BBPS payments system. It undertakes clearing and settlement activities for transactions routed through BBPS.

NPCI is also responsible for setting business standards, rules and procedures for technical and business requirements for all market participants. It is the regulatory body for BOUs, who are entities allowed to on-board billers onto BBPS.

What is COU?

COUs or Customer Operating Units are licensed entities (usually banks) who can offer BBPS services to other businesses. COUs enable customer-facing platforms—entities that serve end-users—to let users pay bills.

Setu’s COU integration helps such platforms become a collection agent for BBPS and add a feature to let their users pay any BBPS listed business, including their own business.

What is an agent institution?

These are entities that can offer bill payments as a feature to their customers. They can do so via physical channels (like with business correspondents) or digitally (on apps or websites).

Setu’s onboarding team takes care of the end-to-end process for the NPCI registration needed to operate as a BBPS agent. Read more about the technical and compliance information here.

What role does Setu play?

Setu acts as a bridge between BOU/COU banks and other businesses (billers or customer-facing platforms), offering simplified integration and compliance. We also offer additional services like data reports, notifications and settlements for any bill payments.