by Instamojo Technologies
Instamojo - eCommerce Website Builder for D2C Businesses - Create a Free Website on Instamojo.
Instamojo is a Bengaluru-based payment and e-commerce platform founded in 2012, designed to help Indian small businesses, freelancers, and D2C brands sell online without technical expertise. The platform powers over 20 lakh (2 million) businesses across India, handling everything from payment collection to online store creation, shipping, and analytics. The core strength is simplicity — merchants can create payment links in minutes, embed checkout on any website, or spin up a full online store with product listings, inventory management, and integrated shipping partners. Instamojo supports all major Indian payment methods: UPI, credit/debit cards, net banking, wallets, and EMI options. The platform also offers mojoXpress for shipping, mojoCapital for business loans, and smart analytics to track sales performance. Pricing follows a no-monthly-fee model: Instamojo charges 2% + Rs 3 per transaction for payment gateway usage (plus 18% GST). Premium online store plans start at Rs 10/day for advanced e-commerce features like custom domains, marketing tools, and priority support. There are no setup charges or maintenance fees — you only pay when you transact. Payouts settle in T+3 days, with an instant withdrawal option available. Instamojo is best suited for solopreneurs, freelancers, small D2C brands, and digital product sellers who need a quick, no-code way to start accepting payments in India. Users looking for international payments, multi-currency support, or enterprise-grade APIs may prefer Razorpay or Stripe. The platform's biggest complaint is slow customer support and occasional payout delays during peak periods.
Information updated 7 months ago
Instamojo Technologies
3.9/5 on Capterra (17 reviews) · Last verified 2026-04-25
Hand-picked videos to help you get started — tutorials, demos, and reviews.
Instamojo Payment Gateway Instant Live in 10 Minutes | How to Create Instamojo Account
Instamojo Payment Gateway 2026 | How To Create Instamojo Payment Account | Free Payment Gateway
Instamojo Account कैसे बनाएं? | How to Create Instamojo Account Step by Step
Instamojo Payment Gateway Integration in React and Nodejs | REST API Integration | Hindi
Instamojo is a powerful Indian alternative to these international apps:
Yes, Instamojo by Instamojo Technologies is an Indian alternative to Stripe. It offers similar functionality while being developed and maintained in India.Explore other Indian alternatives to Stripe →
Yes, Instamojo by Instamojo Technologies is an Indian alternative to PayPal. It offers similar functionality while being developed and maintained in India.Explore other Indian alternatives to PayPal →
Razorpay Software Limited
Razorpay is India's largest online payment gateway from Bengaluru with 8M+ merchants, 55% market share, and 35M daily UPI transactions. Developer-friendly APIs supporting 100+ payment methods (UPI, cards, net banking, wallets, EMI, international), Payment Links and Pages for non-technical merchants, and integrations with Shopify and WooCommerce. RazorpayX for business banking, payroll, and Capital lending. 2% per transaction, no setup fee. Stripe alternative.
One97 Communications Ltd
Paytm is India's pioneering digital payments app for UPI transfers, mobile recharges, bill payments, online shopping and merchant QR scans. Trusted by 333M+ registered users and 100M+ monthly actives, Paytm bundles a wallet, Paytm Soundbox for shopkeepers, lending, insurance and investments. Now 100% Indian-owned after Ant Financial's exit in August 2025 and an RBI-approved payment aggregator since November 2025.
PhonePe Pvt Ltd
PhonePe is India's most-used UPI payments app, with 650M+ registered users and a 48% share of all UPI transactions. Use it for instant money transfers, mobile recharges, bill payments and merchant QR scans, plus mutual funds, insurance and lending. PhonePe Pulse publishes free public dashboards on India's UPI traffic. Backed by Walmart and headquartered in Bengaluru.
National Payments Corporation of India
BHIM (Bharat Interface for Money) is India's official UPI payment app by NPCI with 100M+ downloads and 128M active users. Instant peer-to-peer transfers, bill payments, merchant QR scanning, and balance checks linked directly to bank accounts. UPI Lite+ enables PIN-free payments up to Rs 500 per transaction. Supports 12+ Indian languages. Completely free with zero transaction fees, no ads. Government-backed PhonePe and Google Pay alternative.
ChargeBee Inc
Chargebee is a Chennai-founded subscription billing platform powering Calendly, Toyota, Linktree, and Freshworks across 130+ countries. Manages full lifecycle — plans, checkout, invoicing, proration, dunning, and cancellation. Supports flat, tiered, usage-based, and hybrid billing. RevenueStory analytics, ASC 606 revenue recognition, AI Copilot, and 30+ gateway integrations. Free up to $250K billing; 0.75% revenue share after. Stripe Billing and Zuora alternative.
Dreamplug Technologies Private Limited
CRED is a Bangalore-built rewards-based fintech app founded by Kunal Shah in 2018 with 13M+ monthly active users. Credit card bill payments, UPI, rent payments, short-term credit lines (CRED Cash, CRED Flash), wealth management via Kuvera, free credit score tracking, and CRED Store marketplace. Invite-only for users with credit scores above 750. Completely free for users; revenue from lending and brand partnerships. Credit Karma alternative.
