Instamojo Payment Gateway Review (India)

by Deepak Kanakaraju on October 21, 2013

For a very long time I have been expecting a payment gateway like for India. Clickbank is an international payment gateway and an affiliate network which specializes on selling digital products online such as software and educational programs.


It was not easy to make it work in India because most of the payments are handled through credit card and PayPal and very few Indians use them. Then after RBI regulations even using PayPal within India was impossible.


eCommerce is booming in India and a large percentage of Indian users have started using online payment services to buy on the internet. So far this was limited to big eCommerce sites who start large usually with venture capital funding or as a sub of a big conglomerate.

To serve such big players sites payment gateways like ccAvenue emerged. Companies like ccAvenue are not interested in small players such as a digital marketing consultant starting an online course on digital marketing (ahem!). Payment gateways require us to have huge volumes, high setup fees and a hell a lot of paperwork.

Instamojo is God send for people like me who sell training programs online through internet and usually do in small volumes. They charge a flat 5% fees on incoming transactions and the payout is done every two weeks to our bank account of choice via NEFT.

The best thing about the entire product is its simplicity. When I started using it first, I was skeptical if it would work as expected because it looked too good and especially to simple to be true.

Simplicity in a payment gateway? No chance! That’s what I thought until I received my first payout right on time.

Instamojo includes super cool analytics, a simple no nonsense layout and buttons where you can access the various options and functionality.

instamojo payment gateway review

I would confidently say that Instamojo is a winner with people like me (and there are a lot like me in India). They have listened to the market and observed that there is a need that is being unmet and came up with a solution for it.

People usually use PayPal to get payments from outside India but Instamojo is a solution for both Indian and international payments. (Update: Instamojo doesn’t support international payments anymore)

For Indian payments, you can accept credit card, debit card or netbanking payments via Instamojo. Netbanking payments are the most important one because a lot of people in India do not have credit cards and even if they have one they hesitate to use it online.

Credit cards are mostly never issued to college students except in rare occasions and if they want to buy something online, netbanking is the way to go.

But having said all this, Instamojo still has a lot to improve. Sometimes the layout and info provided in the login is too simple and it gives rise to confusion and hence the need for more support emails.

They are already improving but I hope they will listen to the needs of their customers and include features that make them the best payment gateway for digital products in India… AND maintain their market leadership.

{ 26 comments… read them below or add one }

Sandeep October 21, 2013 at 10:32 am

This looks good, apart You must check , they dont even charge the TDR.. We are selling tickets on payupaisa platform.


Deepak October 21, 2013 at 11:06 am

Thanks for the info. Will try them too and may be post a review of it and then compare both 🙂


Suresh Kumar March 29, 2014 at 7:42 pm

@Sandeep, Will PayUPaisa allow selling services, like professional consultations and subscriptions. They said no to me : (


Sampad Swain October 21, 2013 at 9:36 pm

Thanks Deepak for your kind words. Appreciate it. From our side, we promise to provide you the best platform to sell your stuff directly through a link from anywhere.

BTW, do keep a tab on our blog for more features/updates –

Sampad Swain
Co-founder & CEO,
@sampad |


Deepak October 21, 2013 at 10:58 pm

Great to hear from the CEO 🙂


Ashish Tonk October 21, 2013 at 10:35 pm

Hi sandeep, even Instamojo let’s me sell tickets using their platform as they have a complete module for that. We are now completely using Instamojo for digital products and events tickets to go with our products. Love their simplicity and ease of use like deepak mentioned.


Arun Thomas KB October 29, 2013 at 3:20 pm

Thanks Deepak. We ( ) switched from ccAvenue to InstaMojo after reading this.


Deepak October 29, 2013 at 4:04 pm

That’s great. Good to know that my blog post helped 🙂


Akshay Handa November 29, 2013 at 4:23 pm

We at wow collections are using and pretty satisfied. They have provided us a great support and the whole thing is free is makes it more awesome.
I love Instamojo too, but I feel its good to go with Instamojo only for digital stuffs.
I would rank Payupaisa a 8/10 and Insta 5/10 .
Apart, a good read!


Abhishek September 3, 2017 at 11:36 pm

Hey. I have a furniture shop and I am developing an e-commerce site. So which payment gateway should I choose. I should be secured and simple Nd less fees.


Ganesh N Kunjir January 25, 2014 at 6:44 pm

Fabulous Stuff!!!
Its a great for our future to grow our Local market in International Level.
Thanks Deepak.


gopal vasudevan July 9, 2014 at 11:56 pm

We are also planning to integrate instamojo in our site


Francis Veliyath September 19, 2014 at 8:52 pm


Thanks for the detail about Instamojo. One question, can I sell ebooks to international customers using Instatmojo? Can they pay using their International (outside India) credit cards?



Ratnakar January 21, 2015 at 3:27 am

Deepak – Thanks for writing this blog. This is very informative.
and an interesting option


karan June 8, 2015 at 6:27 pm

I have been using instamojo payment gateway in my website for the providing Algorithm Trading services in Indian Equities Market.

Instamojo is Easy to use. You don’t need tons of document to enable the Instamojo payment gateway, you don’t need to be a techie to implement/integrate the payment gateway with your site. Low transaction fee, no setup fee, no amc no other hidden charges.

Above all, when an individual like me wanted to test his products/service in the market without spending time on setting up a company, there are many limitations in India. However, Instamojo solved 70% of this problem by providing payment gateway in click of a button.


surya October 11, 2015 at 11:42 pm

We have developed a nifty algo system which generates steady returns from 2008
I have been using instamojo payment gateway in my website for the providing Algorithm Trading services in nifty index


Akash Agrawal October 13, 2015 at 3:11 pm

I am looking for integrating digital wallets along with other payment options through gateways. Does instamojo provide e-wallets too?


Md Sakil Ansari December 20, 2016 at 6:56 pm

Hey Deepak, Yes. Instamojo is the best platform for selling Physical and Digital Goods. Even I personally using it.


Irfan March 17, 2017 at 4:11 pm

can any body have clients list that uses payment gateway we( wants to integrate gateway.
and us instamojo allow multiple products checkout ? kindly plz reply asap


Swayam Dhawan May 14, 2017 at 4:27 pm

That’s very good article. Even myself has used Instamojo and its best of the best.


Mandeep Bhalla September 3, 2017 at 6:28 am

Hi Deepak,

Great article on Instamojo! I love it.

Please let me know which payment gateway would be good to accept payments internationally along with Instamojo for Indian payments?



Packers5th September 19, 2017 at 4:51 pm

Thanks for posting this useful information about the payment gateway . For movers


Marie September 20, 2017 at 10:23 pm

Thanks for sharing this wonderful article. I am using Instamojo payment gateway onto my website on which I sell digital products. The fee is too low as to compare with other payment gateway.


Dwbiadda October 13, 2017 at 10:57 am

We are following up with instamojo since 25 days, they don’t have mobile or cc support . They only support email.

For every email they used to respond after 48 hours.

They asked us to upload documents we did it, post that they asked some other support documents we did the same.

Once both are uploaded they asked us another document which is earlier one we did it but still they are asking some other documents. They don’t have clarity what they need moreover one person can’t work on single ticket over my ticket I believe at least 5 hands were there, there was no internal communication to followup

I believe even one start rating also not applicable to INSTAMOJO


MADHU SP May 16, 2018 at 11:07 pm

This is a fraud company. My 30k IDs stuck with them. They do not respond at all. Don’t get trapped with them.


MD NESSAR May 17, 2018 at 11:23 am

It is Very dishearten to inform you that concern person of Instamojo Mr. Umme Atiya misguide me that he said there is no Gateway charges for receiving money from client & not even instamojo charge for transferring money from instamojo a/c to Bank A/c but which i received the payment from my client the Instamojo charge me so i request you that kindly don’t misguide your customer & do the needful asap…
Very Disappointing


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