WhatsApp Collect
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.
GPay
PhonePe
PayTM
← ApnaBank India
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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.
ABCDE1234F
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!
Bharat Telecom
₹830.00
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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 experience
No VPA entry, no app switching, no drop-offs. Convert payment reminders to “Pay Now” messages and collect in 2 clicks.
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
Collection costs are much lower compared to traditional payment gateways, due to flat UPI charges.
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.
Our WhatsApp partners
Parters who enable the WhatsApp chat experience for collecting payments
Our customers
Businesses that are already collecting payments via WhatsApp chat
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.
Benefits—
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
This is how the message will look on WhatsApp chat—
← WhatsApp Business Name
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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.
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.
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.
Vernacular support
Our infra supports messages in any language—interact with your customers using their preferred language, to build trust.
Powered 24 × 7
Offer round-the-clock, no-contact support during the COVID era. Set up auto-replies and reminders.
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—
Integrate your way—with APIs or no code
Share bills with Setu and start collecting payments
Access reports and notifications