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Payment gateways & UPI · Alternatives
Setu is a payment gateways & upi product from Setu (Pine Labs), Bengaluru, priced at On request. We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 0 have a free plan, 17 are built in India.
Quick answer
The closest alternatives to Setu are Juspay (0.25% per transaction · Or Rs 25,000/month minimum, whichever is higher (Growth)), BillDesk (On request), M2P Fintech (On request), Zeta (On request) and Decentro (On request).
Ranked by how closely each product matches Setu's category, pricing model, platforms and business size, then by rating. Prices exclude GST.
| # | Software | Starting price | Free plan | Platforms | Made in India | Rating | Compare |
|---|---|---|---|---|---|---|---|
| — | Setu (current) | On request | No | Web | Yes | 4.2/5 | — |
| 1 |  Juspay | 0.25% per transaction · Or Rs 25,000/month minimum, whichever is higher (Growth) | No | Web | Yes | 4.4/5 | |
| 2 |  BillDesk | On request | No | Web | Yes | 4.4/5 | |
| 3 |  M2P Fintech | On request | No | Web | Yes | 4.3/5 | |
| 4 |  Zeta | On request | No | Web | Yes | 4.2/5 | |
| 5 |  Decentro | On request | No | Web | Yes | 4.2/5 | |
| 6 |  Innoviti | On request | No | Web | Yes | 4.3/5 | |
| 7 |  Payphi (PhiCommerce) | On request | No | Web | Yes | 4.2/5 | |
| 8 |  Aurionpro | On request | No | Web | Yes | 4.2/5 | |
| 9 |  Lyra Network India | On request | No | Web | Yes | 4.2/5 | |
| 10 |  Bharat BillPay (BBPS) | On request | No | Web | Yes | 4.1/5 | |
| 11 |  Velocity | On request | No | Web | Yes | 4.1/5 | |
| 12 |  FSS | On request | No | Web | Yes | 4.1/5 | |
| 13 |  Getepay | On request | No | Web | Yes | 4.1/5 | |
| 14 |  GoKwik | On request | No | Web | Yes | 4.1/5 | |
| 15 |  AeronPay | On request | No | Web | Yes | 4.1/5 | |
| 16 |  Adyen | On request | No | Web | No | 4.2/5 | |
| 17 |  Intellect Design Arena | On request | No | Web | Yes | 4.1/5 | |
| 18 |  2C2P | On request | No | Web | No | 4.2/5 | |
| 19 |  Checkout.com | On request | No | Web | No | 4.1/5 | |
| 20 |  PayU | 2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra | No | Web | Yes | 4.7/5 |
Juspay · Bengaluru · Payment gateways & UPI · 4.4/5
Payment orchestration and checkout for large merchants and banks.
0.25% per transaction · Or Rs 25,000/month minimum, whichever is higher (Growth)
Quote-based
Key features
IndiaIdeas.com · Mumbai · Payment gateways & UPI · 4.4/5
Enterprise payment and bill-pay platform used by banks and utilities.
On request
Quote-based
M2P Fintech · Chennai · Payment gateways & UPI · 4.3/5
Card issuing and banking-as-a-service platform.
On request
Quote-based
Zeta · Bengaluru · Payment gateways & UPI · 4.2/5
Modern card and banking processing for banks and fintechs.
On request
Quote-based
Decentro · Bengaluru · Payment gateways & UPI · 4.2/5
Banking and payments APIs for fintech products.
On request
Quote-based
Innoviti Technologies · Bengaluru · Payment gateways & UPI · 4.3/5
Payment terminals and enterprise retail payments.
On request
Quote-based
PhiCommerce · Pune · Payment gateways & UPI · 4.2/5
Omnichannel payment platform for enterprises.
On request
Quote-based
Aurionpro Solutions Limited · Navi Mumbai · Payment gateways & UPI · 4.2/5
Technology solutions for financial institutions including transaction banking and cash management.
On request
Quote-based
Lyra Network · Mumbai · Payment gateways & UPI · 4.2/5
Secure payment gateway and transaction routing.
On request
Quote-based
NPCI Bharat BillPay · Mumbai · Payment gateways & UPI · 4.1/5
Interoperable bill payment infrastructure from NPCI.
On request
Quote-based
The closest matches to Setu on App Advisor are Juspay (0.25% per transaction · Or Rs 25,000/month minimum, whichever is higher (Growth)), BillDesk (On request), M2P Fintech (On request). They are ranked by how closely their category, pricing model, platforms and target business size match Setu, then by rating. The best choice depends on your team size and budget.
None of the 20 closest alternatives to Setu has a free plan. Most offer a free trial instead, so ask for one before you commit.
Yes. 17 alternatives are built in India, including Juspay (0.25% per transaction · Or Rs 25,000/month minimum, whichever is higher (Growth)), BillDesk (On request), M2P Fintech (On request). Indian products usually handle GST, TDS and UPI natively and bill in rupees.
Juspay is the closest match to Setu in our catalogue. Compare them side by side before you book a demo.
Every product listed sits in payment gateways & upi or a category Setu also covers, and Setu (Pine Labs)'s own products are excluded. Prices, free plans and platforms come from each vendor's official website. App Advisor does not sell any of this software.
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