Instamojo Payments

by Instamojo · Bengaluru, Karnataka · Since 2012

Simple payment gateway and links for micro businesses.

Starting price: Rs 0/year; Payment Links Quick plan, 2% + Rs 3 per transaction
Free trial / plan: Free plan; Payment Links Quick, Smart Pages Basic and Store Lite are free
Deployment: Cloud; Web
App Advisor rating: 4.6; transparency & India fit

What is Instamojo Payments?

Instamojo Payments is the payment-collection side of Instamojo, an Indian D2C commerce platform. The company, Instamojo Research and Development Private Limited, says more than 20 lakh small businesses have used it. The payments products are payment links, Smart Links, Smart Pages (landing pages that take payment), an embeddable pay button and a developer API. They suit freelancers, tutors, home bakers, coaches and small online sellers who want to take money over UPI, cards and wallets without building a website. A store builder sits on top if you later want a full online shop.

The free entry point matters most. The Payment Links 'Quick' plan costs Rs 0 a year and charges 2% + Rs 3 per transaction. That fee is the same on the paid Smart plan (Rs 4,999 a year or Rs 1,499 a month), so you only pay for Smart if you need its extras: amount breakups, expiry dates, discount codes, buyer information fields, post-payment redirects and webhooks. Smart Pages Basic is also free, but the fee there is 5% + Rs 3. Pro brings it down to 2% + Rs 3 for Rs 12,999 a year. The same page also shows a second Pro price of Rs 9,999, so confirm the price at checkout.

There are real weak spots. Instamojo charges 18% GST on its transaction fees, and plan prices exclude GST. Corporate cards cost 3% + Rs 3, and international or premium card rates are only quoted on request. Standard settlement is T+3 days, and faster payouts cost extra. Premium plans have no free trial, only a 14-day money-back window. Independent feedback is poor. On Trustpilot, Instamojo scores 1.6 out of 5 from 49 reviews, and the complaints are mostly about held payouts, slow KYC and unanswered support tickets.

Our advice: Instamojo is a reasonable no-setup-cost way to start collecting money if your volume is small and you mainly need a shareable link. Once monthly collections reach a few lakh rupees, compare it with Razorpay or Cashfree. Their standard fee of about 2% has no fixed Rs 3 component, and on small tickets that fixed Rs 3 adds up quickly. For example, on a Rs 200 payment, Rs 3 is an extra 1.5%.

What works well

+The free Payment Links plan has no annual fee, and the paid tier charges the same 2% + Rs 3 fee
+You can share a payment link on WhatsApp or SMS within minutes, without needing a website
+Smart Pages let coaches and creators sell a course or session from one hosted landing page
+The same account can grow into a full online store with COD, shipping and themes
+A REST API, JavaScript checkout SDK, webhooks and a Postman collection are available for developers
+Instant and same-day settlement options exist for businesses that need cash faster than T+3
+Premium plans come with a 14-day money-back guarantee if you cancel early

What to watch out for

−The fixed Rs 3 per transaction makes low-value payments noticeably more expensive than percentage-only gateways
−Smart Pages Basic and the free store charge 5% + Rs 3, which is more than double the usual gateway rate
−18% GST is added to every transaction fee and to plan prices, so the real cost is higher than the listed rate
−Trustpilot reviews average 1.6/5, and many describe held settlements and slow KYC approval
−There is no free trial on premium plans, only a refund if you cancel within 14 days
−Faster payouts and international card acceptance carry extra or unpublished charges

Best suited for: Freelancers, tutors and consultants who bill clients through a payment link on WhatsApp or email · Creators and coaches selling a single course, workshop or consultation through a landing page · Micro businesses in India with low monthly volume who want zero fixed cost · Small sellers who may later want a basic online store from the same login

Instamojo Payments at a glance

Analysing Instamojo Payments — pricing, features, reviews and alternatives…

Generated by App Advisor's native engine from this listing's verified data — not a paid placement.

Instamojo Payments features

Researched from Instamojo Payments's official product pages · updated October 2026.

Payment collection

Unlimited payment links
Smart Links with expiry, discounts and amount breakup
Embeddable pay button for websites
100+ payment modes advertised

Smart Pages

Unlimited hosted landing pages
Up to 3 pricing options per page
Testimonials, FAQs and profile section
Custom domain, pixel and analytics on Pro

Settlement and charges

T+3 standard settlement
Instant, same-day and next-day payouts (paid)
Convenience fee pass-through to customers
Bank transfer option

Developer tools

Payments API for payment requests and refunds
JavaScript checkout SDK
Webhooks
Postman collection and Marketplace API

Instamojo Payments pricing (INR)

Source

Every edition as published by the vendor. Prices exclude GST unless stated. Full Instamojo Payments pricing breakdown

Payment Links - Quick

Rs 0

per year

Unlimited payment links
Embeddable pay button
Basic analytics and Zapier integration
2% + Rs 3 per transaction

Smart Links - Smart

Rs 4,999/year or Rs 1,499/month

annual or monthly, plus GST

Amount breakup, expiry dates and discount codes
Collect buyer information and redirect after payment
Webhooks and custom link image/colour
2% + Rs 3 per transaction

Smart Pages - Basic

Rs 0

per year

Unlimited landing pages with themes
Testimonials, FAQs and up to 3 pricing options
Discount codes and thank-you page
5% + Rs 3 per transaction

Smart Pages - Pro

Rs 12,999/year or Rs 2,499/month

annual or monthly, plus GST

Custom domain and no Instamojo branding
Facebook pixel, Google Analytics, WhatsApp and Calendly add-ons
Webhooks and custom code
2% + Rs 3 per transaction

Online Store - Lite

Rs 0

per year

Free online store tier with no annual fee
5% + Rs 3 per transaction on physical goods
10% + Rs 3 per transaction on digital products

Online Store - Starter

Rs 6,999/year

annual, plus GST

Custom domain and 19+ premium themes
No Instamojo branding
Free domain worth up to Rs 1,000
5% + Rs 3 per transaction (physical goods)

Online Store - Growth

Rs 14,999/year or Rs 2,999/month

annual or monthly, plus GST

Abandoned cart recovery and discount coupons
WhatsApp integration, SEO options, advanced analytics
Webhooks, custom CSS/JS, bulk import
2% + Rs 3 per transaction (physical goods)

Other pricing options & add-ons

Corporate cards
3% + Rs 3 per transaction
Convenience fee mode
Merchant receives the full amount
3% + Rs 3 + GST paid by customer
Faster payouts
Instant, same-day and next-day settlement, subject to KYC
Extra fee
Do-It-For-Me store
Price on request

• Plan prices exclude GST; Instamojo charges 18% GST on its transaction fees.
• No free trial on premium plans; a 14-day money-back guarantee applies instead.
• Standard settlement is T+3 days.
• The pricing page shows Smart Pages Pro at two prices (Rs 12,999/yr and Rs 9,999/yr); confirm before paying.

Buying for a team? App Advisor can get you a volume quote and any partner discount available.

Integrations, security & India

Integrations

Zapier
WhatsApp
Calendly
Facebook Pixel
Google Analytics
Shipyaari
Printo

For Indian businesses

All plan prices are in INR, and 18% GST is added to plan prices and transaction fees
Built for Indian micro businesses; Instamojo cites over 20 lakh small businesses
Store plans include Indian shipping partners such as Shipyaari, plus COD support
Backers shown on the about page include Kalaari Capital, Blume Ventures and Beenext

What reviewers say about Instamojo Payments

Scores published on independent review sites — follow the links for the full reviews.

Trustpilot

1.6/5

49 reviews

Read reviews

What users say about Instamojo Payments

Positives

+Some users say collecting a basic payment through a link is easy
+A few long-time users remember the older gateway documentation as clear

Common complaints

−Many merchants report payouts held or delayed without explanation
−KYC verification is often described as slow, with repeated document requests
−Support replies are described as automated or missing altogether
−Several reviewers mention refunds or disputes left unresolved for weeks

Summarised from public reviews on Trustpilot · checked 2026-10-17.

Is Instamojo Payments the best choice for you?

Best choice if you are…

Freelancers, tutors and consultants who bill clients through a payment link on WhatsApp or email
Creators and coaches selling a single course, workshop or consultation through a landing page
Micro businesses in India with low monthly volume who want zero fixed cost
Small sellers who may later want a basic online store from the same login

Look elsewhere if you are…

Businesses processing several lakh rupees a month, where Razorpay or Cashfree fees work out cheaper
Companies that need guaranteed fast support and predictable settlements for working capital
Merchants who mainly sell to international customers on foreign cards

Still comparing? Get an unbiased shortlist and demos arranged for free.

Sources (5) · updated October 2026

Instamojo Payments screenshots

Specifications

Category: Payment gateways & UPI
Vendor: Instamojo
Headquarters: Bengaluru, Karnataka
Founded: 2012
Pricing model: Subscription
Starting price: Rs 0/year · Payment Links Quick plan, 2% + Rs 3 per transaction
Deployment: Cloud
Platforms: Web
Best for: Small business, SMB, Mid-market
Made in India: Yes

1.99% per transaction · Currently free under a limited-period offer (T&C apply)

View

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Compare all Instamojo Payments alternatives with pricing →

Instamojo Payments — frequently asked questions

How much does Instamojo Payments cost?+

Instamojo Payments has a free Payment Links plan (Rs 0 a year) that charges 2% + Rs 3 per successful transaction. The Smart Links plan costs Rs 4,999 a year or Rs 1,499 a month and charges the same 2% + Rs 3. Both plan prices and transaction fees attract 18% GST, so the real cost is a little higher.

Does Instamojo charge GST on transaction fees?+

Yes. Instamojo adds 18% GST to its transaction fee and to all paid plan prices. On a Rs 1,000 payment under the 2% + Rs 3 rate, the fee is Rs 23. GST adds about Rs 4.14, so roughly Rs 27 is deducted before settlement. Registered businesses can usually claim input credit on that GST.

Is there a free trial of Instamojo premium plans?+

Instamojo does not offer a free trial on its premium plans. It offers a 14-day money-back guarantee instead: if you subscribe and ask for a refund within 14 days, you get your money back. The free tiers (Payment Links Quick, Smart Pages Basic and Store Lite) have no time limit, so you can test basic collection on them first.

How long does Instamojo take to settle payments?+

Instamojo's standard settlement is the transaction date plus three days, so money usually reaches your bank in about three working days. Instant, same-day and next-day payouts are available for an extra fee once your KYC is approved. Some Trustpilot reviewers report holds during KYC, so complete your verification before you start collecting large amounts.

Instamojo vs Razorpay: which is cheaper?+

Razorpay's standard rate is about 2% with no fixed per-transaction charge. Instamojo Payments charges 2% plus Rs 3. On a Rs 300 payment, that Rs 3 adds another 1% to Instamojo's cost. For higher volumes or low ticket sizes, Razorpay or Cashfree usually costs less. Instamojo's advantage is its free hosted landing pages and its simple onboarding for very small sellers.

Can I use Instamojo without a website?+

Yes. Instamojo Payments is built for sellers without a website. You can create a payment link and share it on WhatsApp, Instagram, email or SMS, or publish a free Smart Page with your offer, pricing and a pay button. If you later want a full catalogue, the Online Store product lets you build a shop from the same account.

Does Instamojo accept international cards?+

Instamojo lists premium and international card acceptance as available only on request, and the pricing page does not publish a rate for them. Corporate cards cost 3% + Rs 3 per transaction. If most of your customers pay from outside India, ask Instamojo for written rates first, or consider a gateway that publishes international pricing.

Does Instamojo have an API for developers?+

Yes. Instamojo's developer documentation covers a Payments API for creating payment requests, fetching payment details and issuing refunds, with application-based authentication. It also offers a JavaScript SDK that shows the checkout form on your own page, webhooks for payment events and a Postman collection. A developer review on Trustpilot says the separate sandbox environment was removed, so test with care.

Is Instamojo safe and reliable for my business?+

Instamojo Payments has served Indian small businesses for over ten years and is backed by investors including Kalaari Capital and Blume Ventures. However, its Trustpilot score is 1.6 out of 5 from 49 reviews, with many complaints about delayed payouts and slow support. Use it for modest volumes, finish KYC early and keep a backup gateway ready.

Where is the Instamojo Payments login page?+

Instamojo Payments's login is at https://www.instamojo.com:443/login/google-oauth2/?next=%2Fpayments , linked from its official website.

How do I sign up for Instamojo Payments?+

New accounts are created at https://www.instamojo.com:443/accounts/register/?ref=login on Instamojo Payments's official site.

What is Instamojo Payments?+

Instamojo Payments is payment gateways & upi by Instamojo, an Indian company from Bengaluru. Simple payment gateway and links for micro businesses.

How much does Instamojo Payments cost?+

Instamojo publishes: Rs 0/year · Payment Links Quick plan, 2% + Rs 3 per transaction. Confirm current plans and taxes on the official pricing page.

Does Instamojo Payments offer a free trial or free plan?+

App Advisor's listing records a free trial for Instamojo Payments. Confirm the current trial terms on Instamojo's official site.

Is Instamojo Payments made in India?+

Yes. Instamojo Payments is built by Instamojo, headquartered in Bengaluru, Karnataka.

Who is Instamojo Payments best suited for?+

Instamojo Payments suits small business, smb, mid-market buyers looking for payment gateways & upi.

What are the best alternatives to Instamojo Payments?+

Popular alternatives in payment gateways & upi include PayU, Razorpay, Paytm Payment Gateway. Use App Advisor's compare tool to see them side by side.

How is Instamojo Payments deployed?+

Instamojo Payments is available as a cloud (SaaS) product, with web access.