Setu Pine Labs vs Shelfpay

Detailed side-by-side comparison of features, pricing, and origin.

Setu Pine Labs

API banking platform for digital payments and financial services

Pine Labs · Bengaluru, Karnataka · Paid

Shelfpay

India's first shared payments app for flatmates with pooled wallets, automatic expense splitting, payment cards, rent automation, and cashback rewards with zero hidden fees

Shelfpay · Bengaluru, Karnataka · Free

Comparison Matrix

Ownership
Swadeshi vs Swadeshi
Pricing Mode
Paid vs Free
Headquarters
Bengaluru, Karnataka vs Bengaluru, Karnataka

Platform Availability

Setu Pine Labs

Web

Shelfpay

Web

Feature Comparison

Shared Features

  • Financial management
  • Secure transactions

Unique to Setu Pine Labs

  • Indian alternative to Stripe Connect

Unique to Shelfpay

  • Indian alternative to Splitwise

Editorial Analysis

In the Finance space, Setu Pine Labs (Bengaluru, Karnataka) and Shelfpay (Bengaluru, Karnataka) represent two strong Swadeshi alternatives.

Key Differences: Shelfpay stands out with free pricing.

Both Setu Pine Labs and Shelfpay support India's digital ecosystem. Either choice keeps your data and capital within the country.