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Payments & Billing
Instamojo
India-first payments and online-store platform for small businesses, freelancers and creators.
FindThatSoftware verdictEditorial ruling
A practical pick for Indian solopreneurs and small sellers that want quick payment links and a lightweight store without a developer. Larger merchants needing advanced checkout and reconciliation may outgrow it. Verify current transaction fees and plan pricing on the official site.
FindThatSoftware has source-checked this listing and keeps 2 public sources visible for buyer verification.
Should you use Instamojo?
Use it if freelancers and creators collecting payments. Avoid it if a seller of digital courses or downloads at any volume, because the digital goods rate starts at 10% plus ₹3 per transaction.
Spec sheet
- Starting price
- ₹417/mo₹417/mo sticker
- Free plan
- Available
- Free trial
- Not listed
- Status
- Source checked 29 Jul 2026
- Source trail
- 2 public sources
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Claim this listing →In short
Instamojo is a online payment gateways and billing tools for Indian buyers. It costs about ₹417/mo before GST, billed in rupees. It issues an India GST invoice, so you can claim input credit. FindThatSoftware rates it best for freelancers and creators collecting payments, and a poor fit if a seller of digital courses or downloads at any volume, because the digital goods rate starts at 10% plus ₹3 per transaction.
The trade-off, weighed
What you gain, and what you give up.
The case for
- Transaction fees are printed plainly at 5% plus ₹3 on the free and Starter store plans and 2% plus ₹3 once you reach Growth
- GST is called out as extra on the pricing page rather than buried, and store plans carry a 14 day money back guarantee
- The payment gateway is bundled with the store at no separate charge, so there is no second plugin or gateway subscription
The catch
- Digital product sales are charged at 10% plus ₹3 on the lower plans, double the physical goods rate, which is easy to miss
- Reaching the 2% rate means the Growth plan at ₹14,999 a year, so the lower fee only pays back at real volume
- The terms let Instamojo change your commission at its sole discretion and put the burden on you to check the site for revisions
- Merchants must give customers a refund window of at least three business days, and a high dispute rate can trigger suspension or a reserve
True India price
Registered business, per month
₹417
Instamojo is billed in rupees at ₹416.58/mo, so there is no forex markup. A registered business reclaims GST, so that is roughly the cost (₹4,999/yr). Without reclaim, add 18% for about ₹492 a month.
- Sticker price
- ₹416.58/mo
- GST
- 18%, reclaimable if registered
- Registered per month
- ₹417
- Registered per year
- ₹4,999
- If you can't reclaim GST
- ₹492
- Try first
- Has a free plan, so you can start without a card.
- Watch for
- Free to start with no monthly fee. Instamojo charges per transaction (around 2% to 5% depending on method), with optional paid add-ons and an online store. Confirm current rates with Instamojo.
Indicative, not a bill. The exchange rate is a single mid-market reference, not a live feed, and GST-registered businesses may reclaim input credit. Confirm current pricing on the vendor site.
Full India pricing breakdownIndia readiness
How well Instamojo fits an Indian business operationally, from the verified pricing and company facts we hold.
- ✓GST invoice
Issues a GST-compliant invoice, so a registered business can reclaim input tax.
- ✓Bills in INR
Priced in rupees, so there is no forex conversion or card markup on top.
- ✓India HQ
India-headquartered, so support, timezone, and context are local.
How Instamojo compares
Against the 8 other payment gateway toolswe list, from what we verified on each vendor’s own pages.
Less common among the other payment gateway tools
Recorded for Instamojo and for at most a third of the 8 others we list.
- Abandoned cart recovery
- Cash on delivery
- Customer tagging
- Discount coupons
- Landing page builder
- No code store builder
- Product bundles
- Product reviews
Also in most alternatives
Recorded for at least half of the 8 others, and for Instamojo.
- Payment links
- Wallet payments
This compares only the capabilities enough rival tools share for a comparison to mean anything — roughly a quarter of what we verified. The full list is under “What we verified” below, and anything absent from both is something we did not record rather than something the product lacks.
Paying for more than Instamojo? See your whole stack's real India cost and where you could switch to save.
Audit my stackOverview
What is Instamojo?
Instamojo helps small Indian businesses, freelancers and creators collect payments via links, sell digital and physical products through a simple online store, and access tools like payment pages and basic shipping. It is built for the long tail of small sellers rather than enterprises.
Best for
- Freelancers and creators collecting payments
- Small sellers wanting a simple store
- Solopreneurs needing payment links
Who should avoid it
- A seller of digital courses or downloads at any volume, because the digital goods rate starts at 10% plus ₹3 per transaction
- A merchant who needs a fixed contractual rate, since the terms allow the commission to be revised unilaterally at any time
What Instamojo does
What we verified about Instamojo
Read from Instamojo’s own pages. Each line is a finding and what it was based on, so you can check any of it yourself.
Features we confirmed41
- WhatsApp chat widget
- Store adds a WhatsApp chat widget so visitors can message you directly.
- Webhooks
- Store and payment links can POST a webhook to your URL on successful purchase.
- Wallet payments
- Payment modes include 60+ wallets at the standard 2%+₹3 rate.
- UPI payments
- Payment modes list UPI alongside domestic cards and netbanking.
- Shipping integrations
- Even the Lite plan includes shipping integrations with courier providers.
- Product reviews
- Store includes product review management per product.
- Product bundles
- Store feature table lists product bundles with exclusive discounts.
- Payment links
- Instamojo's core product is unlimited shareable payment links for collecting money.
- No code store builder
- Enterprise Smart Pages tier lists a No-Code Builder for site setup.
- Landing page builder
- Smart Pages plans offer unlimited landing pages with themes and testimonials.
- EMI payments
- Payment modes note EMI options available from select banks.
- Discount coupons
- Growth plan adds discount coupons and advanced auto-applying discounts.
- Customer tagging
- Store CRM tags customers into groups for advanced management.
- Cash on delivery
- Cash on Delivery checkout is available even on the free Lite plan.
- Abandoned cart recovery
- Growth plan adds automated reminder emails for abandoned carts.
- Convenience fee passthrough
- Features menu lists a Convenience Fee option to pass charges to the buyer.
- Css and javascript customisation
- Store feature list includes complete CSS customisation and JavaScript editing.
- Csv bulk product import
- Store supports bulk import and editing of products from CSV or Excel.
- Custom domain linking
- Starter store plan and Pro smart page add custom domain linking.
- Customer accounts login
- Store lets customers create accounts and log in for faster checkout.
- Customer workflow automation
- Store lists automated customer workflows to engage and convert buyers.
- Dispute resolution centre
- Features page lists a dispute resolution center for merchants.
- Doorstep pickup shipping
- Homepage promises shipping across India with doorstep pickup and delivery.
- Ecommerce mobile app
- Footer lists an eCommerce mobile app for managing the store.
- Embeddable pay button
- Quick plan includes an embeddable pay button for your own site.
- GST collection on links
- Smart Links can collect shipping and GST details from the buyer.
- Hosted online store
- Online Store plans give a shopping cart, products, categories and variants.
- Instant payout
- Faster payouts feature lets you select instant payout for cash flow urgency.
- Netbanking 60 plus banks
- Payment modes page lists netbanking with 60+ banks.
- Next day payout
- Payout options include a next-day settlement choice.
- OTP verification for digital goods
- Store adds OTP verification to detect fraudulent sharing of digital products.
- Pay later option
- Payment modes list Pay Later as a supported checkout method.
- Payment link expiry
- Smart plan lets you set an expiry on a payment link.
- Product variants
- Store feature list includes variants such as colour, size or quantity.
- Public API and plugins
- Footer links API & Plugins, documentation and a Marketplace API.
- Same day payout
- Payout options include same-day settlement of collected funds.
- SEO options
- Growth plan unlocks SEO options to improve Google ranking of the store.
- Smart payment links
- Smart Links add amount breakup, expiry, discount codes and post-payment redirect.
- Ssl included
- Store plans auto-configure an industry standard SSL certificate.
- Unlimited products
- Even the free Lite store tier allows unlimited products.
- Zone based shipping rules
- Advanced shipping options customise charges by area, order amount or weight.
What people use it for4
- Sell online courses
- Clearias is showcased as selling courses through Instamojo.
- Build an online store
- Digital product sales are a first-class flow with their own fee and OTP protection.
- Fundraising goal page
- Smart page has a goal progress indicator for fundraising or sale milestones.
- Accept online payments
- Unlimited free payment links let freelancers invoice clients without a store.
Works with8
- Zapier
- Quick payment link plan lists Zapier integration.
- Google shopping
- Store syncs products with Google Shopping automatically.
- Google analytics
- Pro smart page includes Google Analytics integration.
- Facebook pixel
- Pro smart page adds a Facebook tracking pixel for ads.
- Calendly
- Pro smart page lists a Calendly add-on for scheduling meetings.
- Facebook catalog
- Store syncs products to Facebook Shop via catalog integration.
- Printo
- mojoPlus benefits include Printo credits for branded packaging materials.
- Shipyaari
- mojoPlus benefits include Shipyaari credits worth ₹1,000 for one-click shipping.
Terms, compliance and how you buy28
- Solo founder friendly
- Positioning is the long tail of freelancers, creators and small sellers.
- Pci dss certified
- Smart Pages page states the integrated gateway is PCI-DSS certified.
- Creator oriented
- Example customers sell art, courses, event tickets and food online.
- Money back guarantee
- Store and Smart Pages plans carry a 14-day money-back guarantee.
- Annual billing cheaper
- Growth is ₹14,999/yr against ₹2,999/mo, so annual is materially cheaper.
- App store addons
- Footer links an Instamojo App Store for add-on functionality.
- Bundled payment gateway
- Pricing page says the gateway comes integrated with no additional charge or plugin.
- Corporate card surcharge
- Corporate cards are charged 3% + ₹3 per transaction versus 2% + ₹3 standard.
- Developer program
- Footer advertises a Mojo Developers Program alongside API docs.
- Digital goods fee premium
- Digital product sales cost 10% + ₹3 on Lite and Starter, double the physical rate.
- Dispute triggered reserve
- A high dispute rate can trigger account suspension or a rolling reserve.
- Done for you setup service
- Do-It-For-Me plan is price-on-request with team store setup and an advisor.
- Free domain included
- Growth store and Pro page plans include a free domain worth up to ₹1,000.
- Free forever plan
- Lite store, Basic smart page and Quick payment link tiers are ₹0/yr.
- GST charged extra
- Pricing page footnote says GST will be charged in addition to mentioned prices.
- Image limits per plan
- Product images are capped at 1, 3 and 10 across Lite, Starter and Growth.
- India built
- Instamojo is an Indian platform serving over 20 lakh small Indian businesses.
- INR billed
- All plans and fees are quoted in rupees on the Indian pricing page.
- Instamojo branding on free plan
- Removing Instamojo logo from store and checkout requires a paid tier.
- International cards on request
- International cards are marked Request Now rather than enabled by default.
- Mandatory three day refund window
- Merchants must give customers a refund window of at least three business days.
- Not for large merchants
- Our verdict says larger merchants needing advanced checkout may outgrow it.
- Percentage transaction fee
- Every plan charges a percentage plus ₹3 per successful transaction, not a flat subscription only.
- Quote only premium service
- Do-It-For-Me is Price on Request with a Schedule a Call CTA.
- Theme count gated
- Lite gets one theme while Starter and Growth unlock 19 premium themes.
- Unilateral commission revision
- Terms let Instamojo change your commission at its sole discretion.
- Volume tiered transaction fee
- The 2% + ₹3 rate only arrives on the ₹14,999/yr Growth plan.
- WhatsApp and phone support
- Do-It-For-Me includes phone and WhatsApp support for the first 30 days.
Compare Instamojo
Use these pages when you already know the tool name but need a plain-English decision against real alternatives.
Similar tools to Instamojo
Compare practical options in the same category by price, fit, and caveats.
Comparison pages
Pricing caveat and source trail
Pricing and free-plan claims can change. FindThatSoftware keeps source URLs visible so users can verify before buying.
Free to start with no monthly fee. Instamojo charges per transaction (around 2% to 5% depending on method), with optional paid add-ons and an online store. Confirm current rates with Instamojo.
Instamojo pricinghttps://www.instamojo.com/pricing/Instamojo (official site)https://www.instamojo.com/
Verified against the sources above. How we research & rate software →
In practice
Where Instamojo fits in a workflow
These stacks show when to use this tool, what comes before it, and what should be handled manually first.
Software stack to launch a website in India
Pick one website builder that matches your skill and goal, sort domain and hosting (often bundled with the builder), add lead capture and chat, take payments through an India gateway if you sell, then wire up analytics and an SEO check.
- Tools in stack
- 12
Read the record →
Software stack to build an app without code in India
Pick one no-code builder that matches your app type, keep your data in a real database layer, take payments through an INR gateway, and use an automation tool to wire it all together.
- Tools in stack
- 12
Read the record →
Software stack to run a real estate brokerage in India
Put every lead in a real-estate CRM, follow up on WhatsApp, run calls through cloud telephony, collect token and booking money online, and keep GST-clean books.
- Tools in stack
- 13
Read the record →
Does Instamojo give a GST invoice in India?
Instamojo issues an India GST invoice, so a GST-registered business can claim input tax credit on it directly.
Is Instamojo good for Indian small businesses?
Instamojo is worth evaluating for Indian buyers, but the final fit depends on pricing limits, support, integrations, and setup effort.
Does Instamojo have a free plan?
Instamojo lists a free plan, but check the official pricing page for current usage limits before choosing it.
The dispatchFree · no noise
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