Collect payments from 530 million+ Indians on WhatsApp

Collect recurring bill payments through an app that customers use daily.
Offer end-to-end, conversational journeys and customise your integration as per business requirements.

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

Started integration or already live? Reach out for further help.

View API docs ↗








←  ApnaBank India

This chat is with the official business account of “ApnaBank India”. Tap for more info.

My bill

Hey there, please enter your loan number to get your latest bill from Apna loans.


Let me get your bill details...

Your loan EMI of Rs. 14,234 is due on 23rd May, which is 2 days away. You can pay simply by clicking on the “Pay Now’ button below.

Pay Now

Verifying payment...

We have received your payment 🎉 Click here for the receipt!


Apna Bank Ltd

UPI logo

Bharat Telecom


Optimised, low-cost collections

Say goodbye to manual, inefficient and expensive ways of collecting payments. Send bill reminders with UPI payment links—using preferred regional languages—to help your customers pay with ease, and on time.
2-click payment
2-click payment experience

No VPA entry, no app switching, no drop-offs. Convert payment reminders to “Pay Now” messages and collect in 2 clicks.

Many users
India’s favourite way to pay

80% of customers already prefer paying with UPI. Pair that with a native WhatsApp payment experience, and turbo-charge your collections.

Cost effective
Cost effective

Collection costs are much lower compared to traditional payment gateways, due to flat UPI charges.

Fast go-live
Fastest go-live

Integrate in a few hours. Whether you have an existing WhatsApp account or need a new one, Setu’s got you covered.


Recurring payments made easy

Your customers can receive reminders, with in-built payment links on WhatsApp. Or they can even start a WhatsApp chat to fetch their latest dues and pay your business periodically.
  • 7x increase in payment conversions, compared to SMS or IVR.

  • 60% reduction in cost of collections.

  • 25% organic retention. Customers re-visit monthly and fetch bills to pay.

  • Low-code CSV integration to send payment messages in bulk.

Option 1—Send reminders to your customer
Try the payment experience yourself!

Fill in details—like WhatsApp number, customer name—to receive a payment reminder message and make an actual payment of ₹1.

Share details

Select a sample message template

You can customise reminder messages as per your business need.

Template option 1

Dear customer 👋

Your EMI for ₹1 against loan number #123456789012 is due on 21/04/2022. Please make a payment by clicking on the Pay Now button below.

Pay now

Template option 2

Dear customer 👋

Your bill amount of ₹1 from [Business name] is due on 21/04/2022. Please make a payment by clicking on the link below.

Thank you,
[Business name]

Pay now

This is how the message will look on WhatsApp chat—

←  WhatsApp Business Name

Your selected message will be sent to the provided WhatsApp number. It will also have a “Pay now” button, like shown below, to complete an actual payment of ₹1.

Pay now


Option 2—Let your customers fetch their bills

Your customer can type in a pre-defined keyword or phrase—like “Get bill”—and send it to your business account. This will trigger a fetch of their latest bill from your system to show due amount and a “Pay now” button, for your customer to complete payment.

Try a payment yourself

Scan this QR to fetch a bill on WhatsApp, from a sample test lender called “Apna loans”—

Fetch a bill on WhatsApp, from a sample test lender called “Apna loans”—

Works for any business category

Build payment journeys suited to your customers’ needs. Run campaigns with custom message templates for payment reminders and confirmation messages.
  • Loan EMI collection

    Send your customers notifications with payment links for the latest due amount.

  • Subscription renewal

    Send reminders with pay links for higher conversions.

  • COD digitisation

    Convert your offline collections to digital ones.

  • Simplified checkout experience

    Let customers pick the UPI app of their choice to complete purchases.

Simplified integration

Either get a new WhatsApp business account, or port your existing account to any of Setu’s partners. Sign up as a Setu Collect merchant and go live in a few hours—