ONDC Certified Technology Provider

The Merchant
Operating System

The definitive OS for Indian SMEs. We bundle payments, lending, and ONDC seller tools into a powerful B2B2C flywheel.

ONDC Ready
Bank Grade
Mobile First

Four Pillars of Growth

Our platform is built on a foundation of robust infrastructure designed to solve the most critical pain points for Indian merchants.

ONDC Seller Suite

Tools for easy onboarding, catalog digitization, inventory management, and order processing on the ONDC network. We automate the 'unglamorous' work of e-commerce.

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Unified Payments

Seamless integration of UPI and Bharat Bill Payment System (BBPS). Accept payments from any ONDC buyer app and manage recurring collections with zero friction.

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Embedded Finance

Direct access to working capital loans and insurance. Leveraging the Account Aggregator framework to build a superior, data-driven underwriting engine.

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Business Analytics

A comprehensive dashboard providing merchants with actionable insights on sales, customer behavior, and financial health derived from platform data.

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Strategic Pivot

Not just a Super App.
The Operating System for Indian Business.

The term "super app" has failed in India. Why? Because consumers resist "all-in-one" solutions that are mediocre at everything.

Setu.plus is different. We are not building a convenience store for buyers. We are building the infrastructure for sellers. By reframing as a "Merchant OS," we align perfectly with the national push for SME digitalization.

Leveraging Pine Labs' massive distribution network.
Building the 'Picks and Shovels' for the ONDC gold rush.
Deep leadership experience from India Stack & fintech giants.
The Evolution
Value Chain
V1
Pure B2B API
Infrastructure only
V2
Merchant OS
Platform + Financial Services + ONDC