Instamojo review
Payment infrastructure with commerce tools for Indian sellers, marketplaces, and developers.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Instamojo is an India-focused payment gateway and commerce platform for small businesses, startups, independent online sellers, and marketplace operators. Its core tools cover payment links, embedded pay buttons, gateway APIs, platform plugins, SDKs, webhooks, refunds, hold-release flows, bulk payment requests, and payment analytics. It also offers online stores, landing pages, settlements, and marketplace payment splitting and payouts. Payment methods include UPI, debit and credit cards, net banking, wallets, EMI, pay later, NEFT, and bank transfer, with customers charged in INR.
The published plans span payment collection and storefront needs. Quick is free annually and includes unlimited payment links, multiple payment modes, an embeddable pay button, analytics, and Zapier integration. Smart costs ₹4,999 annually or ₹1,499 monthly and adds payment link expiry, discount codes, webhooks, buyer information collection, and custom link design. Lite is free annually with integrated payments, unlimited products, a shopping cart, and order management. Starter costs ₹6,999 annually and adds custom domain linking, premium themes, and removal of Instamojo branding. Growth costs ₹14,999 annually or ₹2,999 monthly, adding lower transaction fees, abandoned cart recovery, discount coupons, WhatsApp integration, and advanced analytics. Gateway transaction pricing is separate from these subscriptions.
For technical teams, Instamojo connects with WooCommerce, Magento, WordPress, CS-Cart, Drupal, WHMCS, and PrestaShop, alongside PHP, Python, Ruby, Java, C#, JavaScript, Android, and iOS support. It is available on web, iOS, Android, and through an API. The fit is strongest for Indian businesses that need payment infrastructure with optional storefront capabilities or marketplace flows. Businesses needing recurring payments or multi-currency payments should choose an alternative, while sellers focused on INR payments, payment links, integrations, and basic commerce operations can consider Instamojo.
Instamojo pros and cons
- Where it wins
- Free payment links, pay buttons, and multiple payment modes
- APIs, SDKs, plugins, webhooks, and marketplace payouts
- Stores include products, carts, orders, discounts, and analytics
- Where it doesn't
- Recurring payments are not supported
- Multi-currency payments are not supported
- Gateway transaction pricing is separate from subscription pricing
Instamojo fact sheet, pricing and score →
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