The Finance Base / Payment gateways / Instamojo
instamojo.com
Instamojo
Instamojo presents an Indian all-in-one service for online shops, landing pages, payment links and gateway checkout. Free tiers charge transaction fees, while paid options begin at ₹4,999 per year; APIs and SDKs are also available. Its Android app supports store operations and payouts. Instamojo…
Visit instamojo.com ↗ What it costs
- 8.4 No. 7on Payment gateways
- Free plan · paid from ₹4,999/yrprice, as published
- Oct 20, 2026read on
What Instamojo costs
- Smart ₹4,999 / year
- Starter ₹3,999 / year
- Growth ₹9,999 / year
- Quick Free
- Lite (Online Store) Free
- Lite Free
- Basic Free
- Pro ₹12,999 / year
- Starter (Online Store) ₹6,999 / year
Free plans are available, but they charge transaction fees. Paid plans start at ₹3,999 a year for Starter; GST is added to listed prices.
As instamojo.com publishes them, read Oct 20, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- Yes
- Free trial
- No
- Runs on
- iPhone Android Web
- Facts on record
- 49
Strengths and limits
Strengths
- Free store, landing-page and payment-link plans
- Android app handles orders, inventory, payments and payouts
- Gateway supports cards, UPI, wallets, EMI and netbanking
- APIs, sandbox and mobile SDK documentation are available
Limits
- Free plans charge 5% + ₹3 or 2% + ₹3 per transaction
- Published information lists support for a single currency
- Marketplace API access is limited to selected customers
What Instamojo does
Instamojo brings together shopfronts, landing-page publishing and payment services for Indian D2C brands, MSMEs, startups, artists, creators and entrepreneurs.
Stores can list products, take online or cash-on-delivery orders and manage shipping and orders. Payment-enabled landing pages are available, and payment links may be shared or placed behind an embeddable pay button. The gateway handles cards, netbanking, EMI, wallets, UPI and Rupay, VISA, MasterCard and AMEX cards.
Fees and plans
Instamojo offers both no-cost and paid tiers. GST is charged in addition to the prices shown on its pricing page. There is no free trial.
Quick is free and includes unlimited payment links, multiple payment modes, an embeddable pay button, analytics and Zapier integration. Each transaction carries a 2% + ₹3 charge. Lite is free with a 5% + ₹3 transaction fee and store tools such as unlimited products, a cart, cash on delivery, shipping integrations and order management.
Basic is free with unlimited landing pages and integrated payments at 5% + ₹3. Starter costs ₹3,999 a year and adds a custom domain, premium themes and removes Instamojo branding. Smart is priced at ₹4,999 yearly or ₹1,499 monthly and adds payment-link settings, buyer details, redirects and webhooks.
Growth is ₹9,999 per year or ₹1,999 per month. It includes Starter features and charges 2% + ₹3 per transaction. Pro is ₹12,999 per year or ₹2,499 per month, with Basic features and a 2% + ₹3 transaction fee. A separate Starter (Online Store) plan costs ₹6,999 a year with a 5% + ₹3 transaction fee. The listed plans do not state other transfer or exchange fees.
Where it runs
Instamojo is available through the web, an Android app, iOS development options, APIs and plugins. Its documented integrations cover languages and systems including Python, Ruby, PHP, Java, C#, JavaScript, WordPress, WooCommerce, Drupal, Magento, PrestaShop and OpenCart.
The Android app supports store creation, inventory and order management, metric tracking, payment collection and payouts. Its iOS SDK documentation covers iOS 8.0 and later, with cards, EMI, netbanking, wallets and UPI.
Protection, as Instamojo publishes it
Instamojo says its payment gateway is PCI-DSS certified and that stores use SSL-certified hosting or an automatically configured industry-standard SSL certificate.
Its privacy policy says it follows RBI data-security requirements and uses PCI-DSS practices, encryption, transport security and firewalls. These are statements from Instamojo; the published facts here do not describe deposit insurance, two-factor sign-in or a dispute process.
Strengths
Store construction, landing-page publishing, payment links and gateway checkout are available through the same service. Free entry plans are available, and paid tiers add custom domains, themes, analytics, marketing and automation tools.
Developers get payment APIs, a sandbox, webhooks, refunds documentation and Android and iOS SDKs. Marketplace APIs can split payments, settle beneficiaries and hold or release funds based on fulfilment.
Catches
Free plans carry transaction charges of either 5% + ₹3 or 2% + ₹3, depending on the plan. Paid plans can also carry transaction fees, and GST is added to listed prices.
The Marketplace API is limited to selected customers and uses separate credentials. Check plan limits such as the number of product or banner images, available payment methods and whether your required integration is supported.
Who should skip Instamojo
Instamojo may not fit businesses needing several currencies or recurring billing.
Verdict
Instamojo suits Indian sellers who want a shop, landing pages and payment collection in one account, with a free starting tier and optional paid features. Its Android app covers daily store work, while the API, sandbox and SDK documentation support custom builds.
It is less suitable for operations that require multiple currencies, recurring charges or unrestricted marketplace access. Transaction fees apply on free and several paid plans, so the plan’s included features and payment volume both matter when comparing the published prices.
Who it suits
Pick it if
- Indian D2C sellers needing stores and payment collection
- Teams wanting payment links plus API or SDK options
- Businesses starting with a free plan
Skip it if
- You need multiple currencies or recurring billing
- You need unrestricted marketplace API access
Facts we read
- AcquisitionsCrunchbase records two acquisitions, Showman and Get Me A Shop. · crunchbase.com, Oct 20, 2026
- AnalyticsThe platform provides visitor, product, revenue, sales, transaction, order-value and demographic analytics. · instamojo.com, Oct 20, 2026
- API workflowThe Payments API documentation covers payment-request creation, redirects, webhooks, status queries, refunds and light checkout. · docs.instamojo.com, Oct 20, 2026
- Automation integrationsThe features page lists Mailchimp, Slack and automation apps for tasks such as abandoned-cart emails, inventory management and tracking-number creation. · instamojo.com, Oct 20, 2026
- Company headquartersLinkedIn lists Bangalore, Karnataka, India as headquarters. · linkedin.com, Oct 20, 2026
- Company sizeLinkedIn lists Instamojo as privately held with 51–200 employees. · linkedin.com, Oct 20, 2026
- CRMInstamojo offers built-in CRM workflows using email, SMS and WhatsApp communications. · instamojo.com, Oct 20, 2026
- Developer data APIsThe Mojo Developers documentation lists store, orders and products APIs for accessing merchant data. · docs.instamojo.com, Oct 20, 2026
- Documentation depthThe developer site links to API documentation and step-by-step guides, while the reference docs include authentication, redirects, webhooks, refunds and sample integrations. · developers.instamojo.com, Oct 20, 2026
- FoundedLinkedIn lists the company as founded in 2012. · linkedin.com, Oct 20, 2026
- FoundersCrunchbase lists Sampad Swain, Akash Gehani, Aditya Sengupta and Harshad Sharma among the founders. · crunchbase.com, Oct 20, 2026
- Free planYes · instamojo.com, Sep 20, 2026
- HeadquartersBengaluru, Karnataka, India · instamojo.com, Sep 28, 2026
- IntegrationsThe maker lists API libraries or plugins for Python, Ruby, PHP, Java, C#, JavaScript, Android, iOS, WordPress, WooCommerce, Drupal, Magento, PrestaShop, and OpenCart. · instamojo.com, Sep 29, 2026
On these lists
Use instead
Questions
Is Instamojo free?
Yes. Quick, Lite and Basic are free plans, but they charge transaction fees where stated. Paid plans are also available.
What transaction fees does Instamojo publish?
Quick charges 2% + ₹3 per transaction. Lite and Basic charge 5% + ₹3. Growth and Pro charge 2% + ₹3; Starter (Online Store) charges 5% + ₹3.
Does Instamojo support recurring payments?
Recurring payments are listed as not supported in the published facts.
How many currencies does Instamojo support?
The published supported-currency count is one.
Does Instamojo have an Android app?
Yes. The Android app can create stores, manage inventory and orders, track metrics, collect payments and process payouts.
What security does Instamojo state?
Instamojo says its gateway is PCI-DSS certified, stores use SSL-certified hosting, and its privacy policy describes encryption, transport security, firewalls and RBI data-security requirements.
Is Instamojo yours?
Claim it for free to correct a fact, and see the places you can buy on The Finance Base.