Instamojo

Overview

Instamojo combines storefront, landing-page and payment tools with customer-management features. That breadth can spare a small seller from piecing together several services, while the free store and payment-link plans provide low-cost ways to begin. The transaction fee on the free store and the annual cost of paid features matter as sales grow.

The gateway accepts credit and debit cards, netbanking, EMI, wallets and UPI, including RuPay, Visa, Mastercard and American Express. Support for one currency and no recurring payments makes it a poor fit for a business that needs multi-currency checkout or subscription billing. Instamojo says its gateway is PCI-DSS certified and stores receive an automatically configured SSL certificate.

Key features

The Lite online store includes unlimited products, a shopping cart, cash on delivery, shipping integrations and order management. That is a substantial starting toolkit for a seller setting up a catalogue, but its 5% + ₹3 transaction fee means the free plan still carries a cost on sales.

Smart Pages can publish unlimited landing pages with payment integration, testimonials, FAQs, discount codes and up to three pricing options on Basic. This suits a creator or small business selling through focused campaigns rather than a large catalogue. Payment links offer another direct collection route: Quick includes unlimited links, while Smart adds expiry, discount codes, webhooks, buyer information collection and custom link design.

For more involved commerce, marketplace APIs support multiple beneficiaries, split payments, individual settlements, and holding or releasing funds based on fulfilment. Instamojo also lists API libraries or plugins for several programming languages, mobile platforms and commerce systems, including WordPress, WooCommerce, Magento and Drupal. This breadth is useful for custom integrations, though the product's single-currency limit remains.

The eCommerce CRM provides customer and prospect insights, email, phone and WhatsApp communication, bulk customer reports and automated emails. Its Android app supports store creation, inventory and order management, metrics, payment collection and payouts. These tools make the platform more than a checkout service for sellers who want to run day-to-day operations in one place.

Pricing

Instamojo is freemium, and GST is charged in addition to listed prices. The free online store plan, Lite, has unlimited products and the core selling tools, with a 5% + ₹3 transaction fee. It is a reasonable starting point for testing a store, but sellers should weigh that fee against paid options as sales increase.

Starter (Online Store) costs ₹6,999/yr and retains the 5% + ₹3 transaction fee. It adds custom-domain linking, 19+ premium themes, removal of Instamojo branding, three images per product and three banner images. It is for sellers who want a more branded storefront, not lower transaction fees.

The separate Quick payment-link plan is free and includes unlimited payment links. Smart costs ₹4,999 per year and adds link expiry, discount codes, webhooks, buyer information collection and custom link design. Smart is more appropriate when link-level controls matter; Quick keeps basic payment collection free.

Growth costs ₹14,999 per year and includes a lower transaction fee, abandoned-cart recovery, discount coupons, WhatsApp integration and advanced analytics. It is aimed at established sellers who can use those sales and reporting tools; the stated benefits do not make it a fit for recurring or multi-currency payments. The Do-It-For-Me plan includes 12 months of support, with phone and WhatsApp support for the first 30 days.

Platforms

Instamojo supports web, iOS and Android. Its maker describes the mobile app capabilities on Android; the web and mobile platform coverage gives sellers multiple ways to access the service.

Who it's for

Instamojo fits Indian D2C brands, MSMEs, startups, independent artists, creators and entrepreneurs who need a store or payment links alongside payment processing. It is less suitable for sellers who depend on subscriptions or need to accept multiple currencies.

Pros and cons

• Pros: The free Lite store includes unlimited products, a cart, cash on delivery, shipping integrations and order management, giving a seller useful store basics without an annual plan charge.
• Pros: Payment options span cards, netbanking, EMI, wallets and UPI, while Smart Pages and payment links support different ways to sell.
• Pros: CRM, marketplace payment APIs and mobile tools extend the platform beyond checkout into customer and order operations.
• Cons: The free store charges 5% + ₹3 per transaction, and the paid Starter store keeps that fee.
• Cons: One supported currency and no recurring payments rule out common needs for international and subscription businesses.
• Cons: GST is added to listed plan prices, so annual plan costs are higher than the headline amounts.

Alternatives

Consider Big Cartel if a free catalogue capped at five products and one customizable store template suits a small creative business. Tiendanube is another freemium storefront option, with its free Inicial plan offering unlimited products, sales and visits plus one distribution center.

Mozello may suit a very small catalogue: its free plan includes 0.5 GB storage and five products. For digital sellers, Payhip offers a free plan with unlimited products and revenue. WooCommerce is worth considering if a self-hosted platform with free core software, unlimited products and orders, and unlimited APIs is the better fit.

ExpandCart, Salla and Zid are also alternatives to compare when choosing an ecommerce platform.

Browse No-Code E-Commerce Platforms, Payment Gateways and Ecommerce platforms for more options.

Verdict

Choose Instamojo if you are an Indian small business, creator or D2C seller who wants a store, payment links and customer tools together, and can work within one currency without recurring billing. Its free entry plans and broad selling toolkit are the main draw. Look elsewhere if subscriptions or multi-currency sales are essential, or if the free store's transaction fee makes the economics unattractive.