BILLERHUB

Bill-collections infrastructure for billers

One platform to power your entire bill-collection and operational lifecycle — from onboarding to settlement to reporting.

TRUSTED BY INDIA’S LEADING LENDERS

DMI Finance logoUjjivan Small Finance Bank logoIIFL Finance logoPiramal Finance logoBajaj Finance logo

PROVEN AT SCALE

What running on Setu looks like at scale

14%

Market Share

₹19,000+ Cr

Monthly GTV

2.7 crore

Monthly Transactions

21,000+

Billers Onboarded

100%

Uptime, last 3 months

ONE PLATFORM

Unified platform to solve all bill collections challenges

Soft green mountain ridge fading into a pale sky
A biller onboarding dashboard showing setup progress

ONBOARDING

Go live in days, not months.

Self-serve onboarding for billers and agents — zero code, zero downtime. Start collecting inside 2 weeks.

  • CSV upload with zero code, or API integration for automated bill fetch

  • Custom MIS formats handled — no forced schema changes

  • Immediate go-live, 100% uptime from day one

Soft green mountain ridge fading into a pale sky
A biller onboarding dashboard showing setup progress

ONBOARDING

Go live in days, not months.

Self-serve onboarding for billers and agents — zero code, zero downtime. Start collecting inside 2 weeks.

  • CSV upload with zero code, or API integration for automated bill fetch

  • Custom MIS formats handled — no forced schema changes

  • Immediate go-live, 100% uptime from day one

Soft green mountain ridge fading into a pale sky, vertical crop
A biller onboarding dashboard showing setup progress

ONBOARDING

Go live in days, not months.

Self-serve onboarding for billers and agents — zero code, zero downtime. Start collecting inside 2 weeks.

  • CSV upload with zero code, or API integration for automated bill fetch

  • Custom MIS formats handled — no forced schema changes

  • Immediate go-live, 100% uptime from day one

Soft green mountain ridge fading into a pale sky

COLLECTIONS

Collect more, for less.

Cut collection costs by 90%+ against traditional payment gateways, and stop losing revenue to failed transactions.

  • Flat-fee BBPS pricing vs percentage-based PG charges — save 90%+ on collection costs

  • Maximum coverage and success rates, with retries on failure

  • One integration to collect EMIs, part-payments, foreclosures or ad-hoc dues (BBPS v1.1)

  • DirectCollect links via SMS, email and WhatsApp — no app required

Soft green mountain ridge fading into a pale sky

COLLECTIONS

Collect more, for less.

Cut collection costs by 90%+ against traditional payment gateways, and stop losing revenue to failed transactions.

  • Flat-fee BBPS pricing vs percentage-based PG charges — save 90%+ on collection costs

  • Maximum coverage and success rates, with retries on failure

  • One integration to collect EMIs, part-payments, foreclosures or ad-hoc dues (BBPS v1.1)

  • DirectCollect links via SMS, email and WhatsApp — no app required

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

COLLECTIONS

Collect more, for less.

Cut collection costs by 90%+ against traditional payment gateways, and stop losing revenue to failed transactions.

  • Flat-fee BBPS pricing vs percentage-based PG charges — save 90%+ on collection costs

  • Maximum coverage and success rates, with retries on failure

  • One integration to collect EMIs, part-payments, foreclosures or ad-hoc dues (BBPS v1.1)

  • DirectCollect links via SMS, email and WhatsApp — no app required

Soft green mountain ridge fading into a pale sky

RECONCILIATION & SETTLEMENT

Money, reconciled and settled — automatically.

Stop manually matching transactions across banks and OUs. Get paid faster, with full control over where funds land.

  • Single reconciliation engine across every BOU and biller

  • Split settlements across up to 5 accounts — built for co-lending and franchise models

  • Same-day (T+0) settlement, for better working capital

Soft green mountain ridge fading into a pale sky

RECONCILIATION & SETTLEMENT

Money, reconciled and settled — automatically.

Stop manually matching transactions across banks and OUs. Get paid faster, with full control over where funds land.

  • Single reconciliation engine across every BOU and biller

  • Split settlements across up to 5 accounts — built for co-lending and franchise models

  • Same-day (T+0) settlement, for better working capital

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

RECONCILIATION & SETTLEMENT

Money, reconciled and settled — automatically.

Stop manually matching transactions across banks and OUs. Get paid faster, with full control over where funds land.

  • Single reconciliation engine across every BOU and biller

  • Split settlements across up to 5 accounts — built for co-lending and franchise models

  • Same-day (T+0) settlement, for better working capital

Soft green mountain ridge fading into a pale sky
A monitoring dashboard showing bill payment activity and reporting

MONITORING & REPORTING

See everything inside one dashboard.

Real-time visibility into every transaction, and disputes that resolve themselves instead of piling up.

  • Live dashboard with custom MIS scheduling in CSV or XLS

  • Chargeback HQ — in-platform dispute monitoring, proof submission and resolution

  • Instant BBPS refunds, with real-time failure alerts before they become escalations

  • 15% reduction in ops overheads, errors and delays

Soft green mountain ridge fading into a pale sky
A monitoring dashboard showing bill payment activity and reporting

MONITORING & REPORTING

See everything inside one dashboard.

Real-time visibility into every transaction, and disputes that resolve themselves instead of piling up.

  • Live dashboard with custom MIS scheduling in CSV or XLS

  • Chargeback HQ — in-platform dispute monitoring, proof submission and resolution

  • Instant BBPS refunds, with real-time failure alerts before they become escalations

  • 15% reduction in ops overheads, errors and delays

Soft green mountain ridge fading into a pale sky, vertical crop
A monitoring dashboard showing bill payment activity and reporting

MONITORING & REPORTING

See everything inside one dashboard.

Real-time visibility into every transaction, and disputes that resolve themselves instead of piling up.

  • Live dashboard with custom MIS scheduling in CSV or XLS

  • Chargeback HQ — in-platform dispute monitoring, proof submission and resolution

  • Instant BBPS refunds, with real-time failure alerts before they become escalations

  • 15% reduction in ops overheads, errors and delays

CUSTOMER STORIES

What billers see after moving to Setu

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50%

Increase in EMI collections

25%

Lower cost of collection

With Setu's BBPS platform, we struck gold. Their APIs onboarded us on all UPI apps, making loan repayment as simple as a tap.

Jyoti Joshi · Ex-Head of SMB Business, IIFL Finance

Soft green mountain ridge fading into a pale sky

50%

Increase in EMI collections

25%

Lower cost of collection

With Setu's BBPS platform, we struck gold. Their APIs onboarded us on all UPI apps, making loan repayment as simple as a tap.

Jyoti Joshi · Ex-Head of SMB Business, IIFL Finance

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

50%

Increase in EMI collections

25%

Lower cost of collection

With Setu's BBPS platform, we struck gold. Their APIs onboarded us on all UPI apps, making loan repayment as simple as a tap.

Jyoti Joshi · Ex-Head of SMB Business, IIFL Finance

BHARAT CONNECT BOU

Ujjivan digital transactions rose 20%

“After Setu onboarded Ujjivan SFB onto the BBPS platform, all our loan customers can make their loan repayments at their convenience using a wide range of BBPS apps. This digital mode of loan repayment has seen healthy double-digit growth month-on-month.”

Dheemant Thacker

Head of Digital Banking, Ujjivan

BHARAT CONNECT BOU

Ujjivan digital transactions rose 20%

“After Setu onboarded Ujjivan SFB onto the BBPS platform, all our loan customers can make their loan repayments at their convenience using a wide range of BBPS apps. This digital mode of loan repayment has seen healthy double-digit growth month-on-month.”

Dheemant Thacker

Head of Digital Banking, Ujjivan

WHY BILLERHUB

Built to be the only BBPS TSP you'll ever need

No vendor lock-in, ever

Route across private, public and non-bank OUs — for better uptime, cost and settlement terms.

No vendor lock-in, ever

Route across private, public and non-bank OUs — for better uptime, cost and settlement terms.

Compliance you don't have to chase

Certified TSP across BOU and COU, fully aligned to NBBL's roadmap.

Compliance you don't have to chase

Certified TSP across BOU and COU, fully aligned to NBBL's roadmap.

One partner, not five vendors

Onboarding to disputes — one stack, not fragmented bank-led services.

One partner, not five vendors

Onboarding to disputes — one stack, not fragmented bank-led services.

Take only what you need

Pick routing, reconciliation or analytics, with MIS built for your LMS or ERP.

Take only what you need

Pick routing, reconciliation or analytics, with MIS built for your LMS or ERP.

Run it without an ops team

Zero-code setup, with refunds and disputes managed from one dashboard.

Run it without an ops team

Zero-code setup, with refunds and disputes managed from one dashboard.

Cash flow, not just go-live

Live in under 2 weeks, with T+0 settlement and automatic reconciliation.

Cash flow, not just go-live

Live in under 2 weeks, with T+0 settlement and automatic reconciliation.

COMMON QUESTIONS

FAQs

What does it mean to onboard as a biller on BBPS?

Biller onboarding BBPS means registering your business to receive bill payments across the network's 400+ connected apps and offline touchpoints, rather than building individual payment integrations.

What is BillerHub and how is it different from standard BBPS biller onboarding?

BillerHub is a unified platform covering a biller's entire collection lifecycle — onboarding, settlement, reconciliation, and reporting — rather than just the payment acceptance layer.

What does a bill collection platform for billers typically include?

It typically includes multi-channel collection (BBPS, direct links, offline), automated reconciliation, dispute handling, and reporting — reducing the need for a dedicated ops team.

How does biller settlement and reconciliation work on BBPS?

Settlement and reconciliation should ideally be automated and same-day (T+0), matching every transaction across BOUs without the biller manually cross-checking bank statements.

How to list as a biller on BBPS — what's the process?

Listing as a biller involves KYC verification with a BOU, category classification, and technical integration for bill fetch and payment confirmation — a process a platform like BillerHub can significantly shorten.

How long does biller onboarding BBPS typically take?

With a streamlined platform, billers can go live in under two weeks; direct onboarding without a specialized platform often takes considerably longer.

What reduces the cost of collection for billers on BBPS versus other payment methods?

BBPS typically operates on flat-fee pricing rather than percentage-based charges common with payment gateways, which can reduce collection costs significantly at scale.

Can a biller split settlements across multiple bank accounts?

Some platforms support split settlements across multiple accounts, useful for co-lending arrangements or franchise/multi-entity business models.

How are disputes handled for billers collecting via BBPS?

A good biller platform should provide in-platform dispute monitoring, proof submission, and resolution tracking, rather than requiring manual escalation to each BOU separately.

Do billers need separate integrations for each BOU/bank channel?

No — once onboarded to the BBPS network through one BOU relationship, a biller is reachable through all connected COUs and channels network-wide, without separate per-bank integration.

Transform the future of your collections

Go live with BillerHub in under 2 weeks.