Setu is a start-up that helps every other start-up be a fintech company. Setu is an application programming interface (API) infrastructure start-up, which offers APIs across bill payments, savings, credit, and payments. Setu provides developers with modular APIs that allows them to build financial products for the specific needs of their users. It helps businesses collect dues on bills of any type from any payment app and get instant credit alerts and push real-time receipts to their customers.