B2B PAYMENT PLATFORM

Unified B2B platform that converts every invoice into a revenue opportunity

Create and share invoices, receive payment with context, automate reconciliation and gain access to working capital — all inside a single platform.

Access B2B platform

ONE PLATFORM

From invoice to cash inflow, automated

An interoperable platform built to unify the entire merchant lifecycle — automated invoice management, reconciliation, reminders, payment with context, and the highest visibility into finances.

Onboarding

Simplified tiered L1, L2 and L3 onboarding.

Access to verified businesses
Assess creditworthiness
Onboard a merchant’s entire distributor and supplier network

Onboarding

Simplified tiered L1, L2 and L3 onboarding.

Access to verified businesses
Assess creditworthiness
Onboard a merchant’s entire distributor and supplier network

Reconciliation

Real-time cash flow visibility with automated reconciliation.

Higher visibility into invoice status for faster collections
Correct visibility on accounts payable and receivable

Reconciliation

Real-time cash flow visibility with automated reconciliation.

Higher visibility into invoice status for faster collections
Correct visibility on accounts payable and receivable

Financing

Discover verified, low-risk merchants and their networks as qualified leads.

Informed, real-time payment behaviour across the network to reduce potential NPAs
Better offerings and collections for high-transaction merchants

Financing

Discover verified, low-risk merchants and their networks as qualified leads.

Informed, real-time payment behaviour across the network to reduce potential NPAs
Better offerings and collections for high-transaction merchants

Payment

Context-rich payments that update the entire network in one action.

One structured payment action on Setu updates the entire network
Share multiple payment requests and invoices simultaneously

Payment

Context-rich payments that update the entire network in one action.

One structured payment action on Setu updates the entire network
Share multiple payment requests and invoices simultaneously

Invoicing

One platform for tracking, alerts, communication, payment and finance.

Become a single source of truth for merchant and lender relationships
Real-time AR/AP view for accurate working-capital estimation

Invoicing

One platform for tracking, alerts, communication, payment and finance.

Become a single source of truth for merchant and lender relationships
Real-time AR/AP view for accurate working-capital estimation

Reminders

Automatic reminders for faster collections, with full visibility.

Collections intelligence built over months — buyer patterns and response behaviour
Complete visibility, notifications and logs of every invoice status update

Reminders

Automatic reminders for faster collections, with full visibility.

Collections intelligence built over months — buyer patterns and response behaviour
Complete visibility, notifications and logs of every invoice status update

BUILT FOR SCALE

Certified, deployed, and built for scale from day one

White-label screens

Pre-validated regulatory standing, inherited by the bank from day one.

White-label screens

Pre-validated regulatory standing, inherited by the bank from day one.

End-to-end ownership

Setu owns infrastructure, VAPT, DR, monitoring and compliance updates.

End-to-end ownership

Setu owns infrastructure, VAPT, DR, monitoring and compliance updates.

Purpose-built platform

91 APIs built ground-up for B2B BBPS, serving the whole merchant lifecycle.

Purpose-built platform

91 APIs built ground-up for B2B BBPS, serving the whole merchant lifecycle.

First live deployment

Live in production with a Fortune 500 corporate and a leading private bank.

First live deployment

Live in production with a Fortune 500 corporate and a leading private bank.

AUTOMATION

One platform to automate the entire merchant lifecycle

Soft green mountain ridge fading into a pale sky

MERCHANT LIFECYCLE

Centralised tracking, from invoice received to payment made.

One place for the whole relationship — invoices, payments, reminders and reporting.

Unified platform — centralised tracking of the entire merchant lifecycle, from invoices received to payment made
Bulk payment — send multiple payment requests for unpaid invoices
Bulk import — one-click import of your entire merchant network via CSV upload
Smart reminders — automate payment reminders and treat them as a signal for working-capital loans
Debit and credit notes — issue and manage adjustment notes for accurate financial tracking
Advanced reporting — payment history, AR, AP and working-capital estimations

MERCHANT LIFECYCLE

Centralised tracking, from invoice received to payment made.

One place for the whole relationship — invoices, payments, reminders and reporting.

Unified platform — centralised tracking of the entire merchant lifecycle, from invoices received to payment made
Bulk payment — send multiple payment requests for unpaid invoices
Bulk import — one-click import of your entire merchant network via CSV upload
Smart reminders — automate payment reminders and treat them as a signal for working-capital loans
Debit and credit notes — issue and manage adjustment notes for accurate financial tracking
Advanced reporting — payment history, AR, AP and working-capital estimations

Soft green mountain ridge fading into a pale sky, vertical crop

MERCHANT LIFECYCLE

Centralised tracking, from invoice received to payment made.

One place for the whole relationship — invoices, payments, reminders and reporting.

Unified platform — centralised tracking of the entire merchant lifecycle, from invoices received to payment made
Bulk payment — send multiple payment requests for unpaid invoices
Bulk import — one-click import of your entire merchant network via CSV upload
Smart reminders — automate payment reminders and treat them as a signal for working-capital loans
Debit and credit notes — issue and manage adjustment notes for accurate financial tracking
Advanced reporting — payment history, AR, AP and working-capital estimations

WORKING CAPITAL

Analyse and manage working capital for continuous operations.

Access invoice discounting and choose from multiple financiers via TReDS, inside the same platform.

Invoice discounting inside the same platform
Choose from multiple financiers via TReDS
Real-time AR/AP view for accurate working-capital estimation

WORKING CAPITAL

Analyse and manage working capital for continuous operations.

Access invoice discounting and choose from multiple financiers via TReDS, inside the same platform.

Invoice discounting inside the same platform
Choose from multiple financiers via TReDS
Real-time AR/AP view for accurate working-capital estimation

WORKING CAPITAL

Analyse and manage working capital for continuous operations.

Access invoice discounting and choose from multiple financiers via TReDS, inside the same platform.

Invoice discounting inside the same platform
Choose from multiple financiers via TReDS
Real-time AR/AP view for accurate working-capital estimation

TWO WAYS TO PARTICIPATE

Two ways to participate, one path to owning your merchants' B2B lifecycle

Interoperable and powered by NPCI rails, connecting buyers and suppliers with the entire ecosystem.

OU Only

Run the platform, build your own front end.

91 APIs — full platform
Bank builds its own UI on top
Faster time to market
API documentation and sandbox
NBBL certification by Setu

OU Only

Run the platform, build your own front end.

91 APIs — full platform
Bank builds its own UI on top
Faster time to market
API documentation and sandbox
NBBL certification by Setu

OU + Agent Institution

Everything in OU, plus a merchant-facing experience from Setu.

Everything in OU
White-label PWA by Setu
Merchant-facing UI included
Faster MSME onboarding
Broader supply chain reach

OU + Agent Institution

Everything in OU, plus a merchant-facing experience from Setu.

Everything in OU
White-label PWA by Setu
Merchant-facing UI included
Faster MSME onboarding
Broader supply chain reach

COMMON QUESTIONS

FAQs

What is a B2B payment platform and how does it differ from consumer payments?

A B2B payment platform manages invoice-based, often recurring payments between businesses — handling context like invoice matching and credit terms that consumer payment flows don't require.

What is TReDS invoice discounting and how does it help working capital?

TReDS invoice discounting lets a business get paid early on an approved invoice by financiers bidding for it, improving cash flow without waiting for the buyer's full payment term.

How does a Setu b2b payments platform help businesses with merchant distributors and suppliers?

It centralizes tracking of an entire supplier or distributor network, enabling bulk payments, bulk invoice import, and unified visibility instead of managing each relationship manually.

Can a B2B payment platform in India run on UPI or NPCI rails?

Yes — several B2B payment platforms are built on interoperable NPCI-powered rails, allowing standardized connectivity between buyers, suppliers, and financiers.

How does business payment reconciliation handle debit and credit notes?

Setu B2B reconciliation lets businesses issue and track adjustment notes (debit/credit) as part of the same invoice trail, keeping financial records accurate.

Can Setu B2B payment platform provide access to multiple financiers for invoice discounting?

Yes —Setu b2b platforms integrate multiple financiers via TReDS within the same platform, letting a business choose the best terms rather than relying on a single financing source.

Automate the entire merchant lifecycle with Setu B2B Payments

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