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.
POWERED BY BHARAT CONNECT
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
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
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