Head to head · Payment gateways & UPI
PayU vs Instamojo Payments
Pricing, features, India readiness and rating compared. PayU rates highest.
| Compare | PayU | Instamojo Payments |
|---|---|---|
| Category | Payment gateways & UPI | Payment gateways & UPI |
| Vendor | PayU India | Instamojo |
| Headquarters | Gurugram, Haryana | Bengaluru, Karnataka |
| Made in India | Yes | Yes |
| Starting price | 2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra | Rs 0/year · Payment Links Quick plan, 2% + Rs 3 per transaction |
| Free plan | No | No |
| Free trial | Yes | Yes |
| Published pricing | Yes | Yes |
| Deployment | cloud | cloud |
| Mobile apps | No | No |
| Founded | 2002 | 2012 |
| Best for | Small business, SMB, Mid-market | Small business, SMB, Mid-market |
| App Advisor rating | 4.7 / 5 | 4.6 / 5 |
PayU: pros & cons
- +Built in India with GST-ready workflows and local support hours
- +24 years in business — a mature, stable product
- +One of the top-ranked payment gateways & upi options in our catalogue
- −No permanently free plan
Key features
- UPI, cards, net banking, wallets and EMI
- Payment links and pages without a website
- Recurring payments and e-mandates
- Payouts and vendor payments
- Smart routing for higher success rates
- Settlement cycles (T+1, instant)
Instamojo Payments: pros & cons
- +Built in India with GST-ready workflows and local support hours
- +14 years in business — a mature, stable product
- −No permanently free plan
Key features
- UPI, cards, net banking, wallets and EMI
- Payment links and pages without a website
- Recurring payments and e-mandates
- Payouts and vendor payments
- Smart routing for higher success rates
- Settlement cycles (T+1, instant)
Schedule a demo
See PayU live, with an App Advisor discount
Frequently asked questions
Which is better, PayU or Instamojo Payments?+
PayU scores higher on App Advisor's rating (4.7/5) for pricing transparency, India readiness and maturity. The right choice depends on your workflow — request demos of both.
Is PayU cheaper than Instamojo Payments?+
PayU starts at 2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra and Instamojo Payments at Rs 0/year · Payment Links Quick plan, 2% + Rs 3 per transaction. Compare per-user costs at your team size, and remember GST is added on top.
Can I switch from PayU to Instamojo Payments?+
Most payment gateways & upi products import CSV or Excel data; check whether historical records, attachments and integrations move too before you switch.
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