Instamojo
Payment links and online store for Indian small businesses and creators
Founded 2012 HQ Bengaluru India
Best for
- Solopreneurs, coaches, and creators selling digital products
- Small businesses needing payment links without a website
- Sellers wanting a free hosted storefront fast
- Freelancers collecting one-off client payments
Not ideal for
- High-volume D2C brands needing optimized checkout
- SaaS companies needing robust subscriptions and dunning
- Developers needing deep API customization
- Merchants needing instant settlements at scale
Key features
- •Smart payment links (no-code)
- •Free online store builder
- •UPI, cards, NB, wallets
- •GST-compliant invoicing
- •Subscriptions (basic)
- •Mojo Capital (working capital loans)
- •WhatsApp checkout for storefronts
- •Affiliate program built-in
Instamojo — Pros
- +Easiest setup — no developer needed
- +Free online store is a quick win for first-time sellers
- +Good for digital downloads and service businesses
- +Working capital product is unique
Instamojo — Cons
- −Higher per-transaction fees than competitors
- −API and developer experience are basic
- −Settlement delays reported by some merchants
- −Limited fit for scaled e-commerce operations
- −Subscription tooling is rudimentary
Integrations
WooCommerceZapierTallyGoogle Sheets
Indian context
- GST: GST applied on fees; GSTIN-based invoicing in dashboard
- INR billing: Yes
- UPI support: Yes
- IST support: Mon-Sat 10am-7pm IST