1. Juspay
Juspay · Bengaluru · Payment gateways & UPI · 4.4/5
Payment orchestration and checkout for large merchants and banks.
On request
Quote-based
Payment gateways & UPI · Alternatives
Best Setu alternatives in India (2026)
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 (On request), BillDesk (On request), M2P Fintech (On request), Zeta (On request) and Decentro (On request).
Setu alternatives compared
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 | On request | 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 |  Lyra Network India | On request | No | Web | Yes | 4.2/5 | |
| 9 |  Bharat BillPay (BBPS) | On request | No | Web | Yes | 4.1/5 | |
| 10 |  Getepay | On request | No | Web | Yes | 4.1/5 | |
| 11 |  GoKwik | On request | No | Web | Yes | 4.1/5 | |
| 12 |  AeronPay | On request | No | Web | Yes | 4.1/5 | |
| 13 |  Adyen | On request | No | Web | No | 4.2/5 | |
| 14 |  2C2P | On request | No | Web | No | 4.2/5 | |
| 15 |  Checkout.com | On request | No | Web | No | 4.1/5 | |
| 16 |  PayU | Pay as you go | No | Web | Yes | 4.7/5 | |
| 17 |  Cashfree Payments | Pay as you go | No | Web | Yes | 4.7/5 | |
| 18 |  Paytm Payment Gateway | Pay as you go | No | Web | Yes | 4.7/5 | |
| 19 |  Instamojo Payments | Pay as you go | No | Web | Yes | 4.6/5 | |
| 20 |  PhonePe Payment Gateway | Pay as you go | No | Web | Yes | 4.6/5 |
Top 10 Setu alternatives in detail
2. BillDesk
IndiaIdeas.com · Mumbai · Payment gateways & UPI · 4.4/5
Enterprise payment and bill-pay platform used by banks and utilities.
On request
Quote-based
3. M2P Fintech
M2P Fintech · Chennai · Payment gateways & UPI · 4.3/5
Card issuing and banking-as-a-service platform.
On request
Quote-based
4. Zeta
Zeta · Bengaluru · Payment gateways & UPI · 4.2/5
Modern card and banking processing for banks and fintechs.
On request
Quote-based
5. Decentro
Decentro · Bengaluru · Payment gateways & UPI · 4.2/5
Banking and payments APIs for fintech products.
On request
Quote-based
6. Innoviti
Innoviti Technologies · Bengaluru · Payment gateways & UPI · 4.3/5
Payment terminals and enterprise retail payments.
On request
Quote-based
7. Payphi (PhiCommerce)
PhiCommerce · Pune · Payment gateways & UPI · 4.2/5
Omnichannel payment platform for enterprises.
On request
Quote-based
8. Lyra Network India
Lyra Network · Mumbai · Payment gateways & UPI · 4.2/5
Secure payment gateway and transaction routing.
On request
Quote-based
9. Bharat BillPay (BBPS)
NPCI Bharat BillPay · Mumbai · Payment gateways & UPI · 4.1/5
Interoperable bill payment infrastructure from NPCI.
On request
Quote-based
10. Getepay
Futuretek Commerce Pvt Ltd · Jaipur · Payment gateways & UPI · 4.1/5
RBI-authorised payment aggregator with UPI, cards and wallets plus basic business management tools.
On request
Quote-based
Setu alternatives by what you need
Indian alternatives to Setu
How to choose a Setu alternative
- Compare the total cost: MDR on UPI is zero by regulation, but cards, net banking and international payments carry 1.5–3%, plus GST on fees.
- Ask for success-rate data on your traffic mix. A gateway with weak bank integrations loses a few percent of every checkout silently.
- Check onboarding requirements — website content, business registration, bank verification — before building the checkout.
Setu alternatives — FAQs
What is the best alternative to Setu in 2026?+
The closest matches to Setu on App Advisor are Juspay (On request), 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.
Is there a free alternative to Setu?+
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.
Is there an Indian alternative to Setu?+
Yes. 17 alternatives are built in India, including Juspay (On request), BillDesk (On request), M2P Fintech (On request). Indian products usually handle GST, TDS and UPI natively and bill in rupees.
Setu vs Juspay: which is better?+
Juspay is the closest match to Setu in our catalogue. Compare them side by side before you book a demo.
How were these Setu alternatives chosen?+
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.
Free shortlist
Not sure which Setu alternative fits?
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Related alternatives
Juspay alternativesBillDesk alternativesM2P Fintech alternativesZeta alternativesDecentro alternativesInnoviti alternativesPayphi (PhiCommerce) alternativesLyra Network India alternativesBharat BillPay (BBPS) alternativesGetepay alternativesGoKwik alternativesAeronPay alternativesAll payment gateways & upi alternativesBrowse all alternatives