Setu BBPS COU
Monetise 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.
Started integration or already live? Reach out for further help.View API docs ↗
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Apna Bank Ltd
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
and more use cases
Our COU customers
Some businesses that have started monetising bill payments as a feature—
A complete bill payment experience for customers
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.
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 ↗
Build your own UX using APIs
Integrate directly with our COU APIs for complete flexibility in building your customer-facing UI/UX.API integration ↗
Use your branding on pre-built screens
Specify your logo, colours and font preferences with ease.
Integrate at lightning speed
Simply add a “Pay bills” button to your app or website
Work with any screen size
Responsive and optimised screens for mobile, tablet or desktop.
Pays bills for electricity, water, mobile recharges and more.
Select your biller
Recently paid bills
Green Meadows Kindergarten
New Indian Public School
RTC International School
St Pauls Academy
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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.
Not on BBPS BOU yet?
Get listed as a BBPS biller to accept digital or offline payments to your own business
Setu BBPS BOU
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.