This is designed to address two major challenges in bill payments: the fear of incorrect charges and the stress of missing due dates
FinTech BizNews Service
Mumbai, 9 December 2025: Setu by Pine Labs, today announced the launch of India’s first agentic bill-payments experience, designed to address two major challenges in bill payments: the fear of incorrect charges and the stress of missing due dates.
While paying a bill takes minutes—keeping track of them takes hours. Most consumers in India spend a considerable amount of time tracking, checking, and paying their bills. Setu’s new agentic assistant handles this for the consumer by fetching every bill, identifying anomalies by comparing them with past patterns, and ensuring timely payments each month.
Commenting on the launch, B Amrish Rau, CEO, Pine Labs, said “India’s digital public
infrastructure has transformed how we pay, but the work behind monthly bills has remained manual. This agentic experience brings automation and trust together, giving people a smarter, safer way to handle their bills.”
The bill-payment agent operates on simple rules defined by the consumer, ensuring it never initiates an incorrect payment or exceeds preset limits.
Here’s what the agent does:
The experience is designed to be safe and entirely under the consumer’s control. It brings a future-ready way of handling bills into the present, with the agent managing routine tasks while the consumer sets the boundaries within which it operates, significantly reducing the time and stress associated with monthly bill management.
Now accessible on Anthropic’s Claude and OpenAI’s ChatGPT, the experience will roll out to additional AI platforms in a phased expansion.
