Instamojo Payment Gateway Review (India)

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.

38 thoughts on “Instamojo Payment Gateway Review (India)”

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

  2. 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.

  3. 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!

    • 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.

  4. Deepak

    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?


  5. 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.

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

  7. 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

  8. Hmm it appears like your blog ate my first comment
    (it was extremely long) so I guess I’ll just sum it
    up what I submitted and say, I’m thoroughly enjoying your blog.
    I too am an aspiring blog blogger but I’m still new to everything.
    Do you have any tips and hints for first-time blog writers?
    I’d really appreciate it.

  9. 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?


  10. 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.

  11. Here is some feedback you need to improve in your payment gateway.
    If buyer purchase product from eCommerce website using Instamojo payment gateway owned by the merchant,The customer get instant mail from Instamojo Mentioned with higlighted font for REFUND the amount,Every time customer applies for the Refund in just few hours after placing the order. Istamojo should remove that Refund option from the mail., If required, Instamojo can mention for the “help centre”,Sometimes customer used this facility for minor queries and creates a case against merchant.
    This is very serious issue merchant suffers alot.
    Although it is very approachable payment gateway and fair transaction.
    As I am Happy Customer of Instamojo.

  12. 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

  13. I have created my instamojo id and asked customers to pay there but u have holded all my money why and not credited in my account or not in customer account are u really doing fraud my id is @successshaadi

  14. One of the useless payment gateway from India who don’t want to pay money to their customer who are sellers from their payment gateway.
    Instamojo refused to transfer money to my bank account. stay away. even after uploading documents. in future it will come out as a scam.
    worst customer service.untrained employees.They have no business principles.
    There are many fraud cases registered against the company and its owner.
    This is the worst payment gateway because this store have no optimization and no help to sell products.
    They dont ask for any queries and holds the payouts without informing us for a month it is very freaky so plz not registered with instamojo. So plz be aware of this waste website.

  15. Why u doing wrong marketing instamojo. Are they paying for it. Instamojo is biggest cheaters, scammers & frauders. All big companies have large of amount to bear loss but small companies dont have. So y u suggesting this fuckin company. Dont manipulate indians. Tell truth. Instamojo kept 5 lac rupees of my company. And not responding since 8 months. As a entrepreneur i suggest all my friends not to use this. Dont fall in trap.

  16. 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

  17. Hi Deepak,

    I love your posts.

    I agree that it’s so easy to use and UI is amazing.

    But I request you to please mention the dark side of Instamojo as well.

    1. Worst support (which should be on the top priority of the payments gateway company)
    2. No refund of money if it gets on hold (not always; happened with me a couple of times, still my money is not refunded).
    3. They don’t have the complete record of transactions.
    4. Support team behaves like dictators.

    I can share the proofs for everything.

    My rating: 0.5/5



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