How PaySetu Works

PaySetu helps you build saving discipline without touching your bank, your UPI app, or your credit history.

STEP 1

Keep using Google Pay, PhonePe, Paytm or any UPI app as you already do. PaySetu does not access or intercept your payments.

STEP 2

Decide how much you want to save — daily or per payment. Even small amounts like ₹10–₹50 make a big difference over time.

STEP 3

Whenever you’re ready, add your savings to your PaySetu wallet. This is fully voluntary and always under your control.

STEP 4

Need the money back? Withdraw anytime. No lock-in, no pressure, complete transparency.

Why PaySetu Is Safe

We are not a bank, not an NBFC, and not a UPI provider. PaySetu simply helps you build discipline around saving.

Does PaySetu access my bank account? No. We never ask for bank login, UPI PIN, or transaction access.

Is this linked to my credit score? No. PaySetu does not access CIBIL or any credit bureau.

Can I withdraw anytime? Yes. Your money remains under your control at all times.