Online Payment Gateway Instamojo Best Review 2022

In this Instamojo review, I mentioned several useful features, the onboarding process, the pricing structure, and my experience with the Instamojo payment gateway.

Also, a secret bonus awaits you at the end of this article.

If you are a web developer, digital marketer, or internet entrepreneur selling different products and services, you probably need an online payment processor to receive your customers’ payments.

However, processing e-commerce payments is quite a difficult task. It would be best if you were especially careful when sending and receiving payments online to avoid fraudulent activity and possible monetary loss.

Paying by cash or check is impractical in today’s dynamic world, while direct bank transfers come with many risks, especially when sending money to a third party.

In that case, online payment gateways are extremely useful for people like me who frequently buy and sell online.

Initially, I used PayPal to buy and sell services. Still, I use the event.

Since PayPal does not support domestic payments. I started researching the best online payment gateways in India that offer local transaction support and easy integration.

I have found services that offer the same thing that I wanted.

Out of all of them, Instamojo is one of the best payment services with tons of features and low transaction fees.

In this article, I’ll walk you through how to set up the Instamojo payment gateway, how to send and receive funds, and some other great features.

If you search for Instamojo review on Google, you will get mixed opinions on this payment gateway service, and you won’t know whether or not you should register with Instamojo.


In this article, I will discuss a full Instamojo review and my experience as a buyer and seller.

There are many payment processing companies in India, including CCavenue, CitrusPay, and EBS, but almost all charge AMC and setup fees.

For small sellers, paying such fees is not affordable, which is why Instamojo has entered the market with the streamlined payment gateway solution that helps you raise money online.

There are no annual installation or maintenance fees, making it easy for people to sell their products and services online.

On top of that, Instamojo offers several amazing features that you would expect from a good payment gateway service.

  1. Simple onboarding process
  2. Getting started with Instamojo is a straightforward process.

Once you’ve signed up via email and filled in some necessary information, including PAN and bank account information, you can start collecting payments from your customers within minutes.

Additionally, you can access various services available in your dashboard, including analytics, etc.

  1. This is one of the best options to charge without revealing confidential information. Instamojo offers a similar service to Indian merchants to create quick checkout links and easily share them on social media such as Facebook, Twitter and WhatsApp.
  2. Payment analysis
  3. Keeping an eye on the analysis tab plays an important role in the growth of all companies.

That is why Instamojo offers payment analytics to its trading partners in an attractive format to display customer demographics and payment trends.

Additionally, you can search, filter, and export available raw payment data to a spreadsheet.

However, this feature will only be activated after receiving a minimum of five payments through the Instamojo payment gateway.

  1. Free online showcase
  2. You can set up your online store in minutes with Instamojo, and it’s completely free.

Have you ever tried starting an e-commerce store or drop shipping website?

For beginners who want a sophisticated e-commerce store with payment gateway integration, Instamojo will easily beat its competition.

You can make an online store and list your products or services in one place without getting involved in custom web development.

Besides, you can add business information, contact details, and customize your online store’s visual appearance, adding a logo and cover photo.

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You also get a cart and checkout integration in your online store with all payment methods enabled, including credit/debit cards and online banking.

Yes! There is another great feature for Instamojo partners. They can create an affiliate network to increase their sales volume at no additional cost, excluding affiliate fees.

  1. Hosting of digital files
  2. Are you a professional graphic designer, musician, photographer, author, or anyone interested in selling digital products online?

If so, you have good news.

When you sell out digital products or services like e-books, pictures, videos, music files, digital arts, models and 3D illustrations, you only get rights of up to 35-80%.

Instamojo offers a digital file hosting solution without any additional cost or development costs.

Your customers can pay and download the content; you will only be charged 5% + ₹ 3 per successful transaction.

  1. Free tools for small businesses (+ premium plugins)
  2. Instamojo is more than just a payment gateway service that offers many free and premium tools for small businesses.

You can get free tools, including invoice generator, Google Analytics integration, QR code and business card maker, and more.

While some growing businesses may purchase the premium add-ons, including personalized social payment, business analytics, missed call marketing, payment attempts, etc., using Instamojo credits to earn more money. Business.

  1. Development aid
  2. In addition to its hosted online store, Instamojo supports external integrations through developer APIs and plugins for all major platforms.

Instamojo APIs support five different programming languages ​​, including Python, PHP, Java, Ruby, and C ++. Simultaneously, plugins are available for WordPress (WooCommerce), Drupal, CS-cart, Magento, Presta Shop, Meteor, Open Chariot and WHMCS.

To fully enjoy the benefits of external integrations, you must have a verified company profile on Instamojo. Otherwise, payments will be made through Instamojo’s own window.

Instamojo pricing

Instamojo seems fairly honest and transparent with its pricing structure. While it does not charge any installation or AMC fees, at the same time, there is no minimum commitment.

Instamojo price structure

For regular payments, Instamojo charges 2% + ₹ 3 + GST ​​and accepts payments through various online payment channels, including debit/credit cards, online banking, UPI and mobile wallets.

If you have an online store with Instamojo to sell digital files and products, you will be charged 5% + ₹ 3 + GST, which also includes file hosting and downloads.

However, this price is available for domestic transactions, and you can request quotes for international credit cards and AMEX cards in case you need them.

For an average seller, the Instamojo price seems pretty impressive, with many advanced features at no extra cost.

Instamojo currently offers INR (₹) payment processing only and does not support alternative currency payments.

Although it accepts payments with cards issued outside of India, these customers will see the Indian Rupees (₹).

Sellers or businesses with high sales volume can also request custom pricing based on their monthly volume and other requirements.

My experience with Instamojo (Real Instamojo Review)

I started blogging in 2016 and previously as a freelancer.

Initially, PayPal allowed me to send and receive payments.

Although PayPal fees are deficient, PayPal’s reliability and security are negligible.

When I thought about creating and selling my e-book for the Indian audience, I started looking for online payment gateways in India that offer such services at minimal cost and came to Instamojo.

However, it was a horrible experience in my online career.

Although I submitted copies of correct and valid KYC documents, Instamojo was unable to verify my account.

At the time, I was seriously looking for a payment processing service with no setup fees or annual maintenance fees, but couldn’t find a better alternative.

I tried to log into Instamojo customer service but did not receive a satisfactory resolution of my issue, and sadly my first account was closed.

I was surprised, but what could I do?

Although I sold a few copies of my e-book with Amazon KDP and a few other desktop publishing platforms, I eventually gave up on this idea.

But recently, I heard that Instamojo had improved a lot, and I thought I’d give it a try.

For now, I’ve used a custom email address instead of my regular Gmail address to sign up and complete the entire process, including checking emails in a matter of minutes.

I then uploaded all the copies of the KYC documents to Instamojo, and within a week, they removed the monthly limit of ₹ 10,000 and got a full admin dashboard.

Since then, I have collected a few payments through Instamojo and have received all the money securely in my ICICI bank account.

Also, I received ₹ 500 as a sign-up bonus for signing up through a unique referral link.

Do you want to raise money online from your customers, or do you want to set up a digital store to sell your products and services without creating an e-commerce website?

Instamojo is a great place to start.

Advantages and Disadvantages of Instamojo

Here I mentioned some pros and cons of the Instamojo payment gateway to decide whether you should do it.


  • Flexible pricing structure with no setup costs and no AMC
  • No minimum commitment, so you don’t have to worry about how much volume you handle per month. However, more sales are better for growing your business.
  • Hosted online store to sell physical and digital products
  • Free digital file hosting with no monthly fees
  • Easily shareable payment links with social media integration
  • More than 15 different companion apps (free and premium)
  • Copy and paste payment buttons (customizable) and development support for external integrations
  • Automatic payment routing to avoid transaction errors


  • Document verification is not up to scratch.
  • The tool’s customer service, especially the live chat feature, still needs improvement when opening a support ticket for small issues.
  • Chargebacks can seriously affect your seller account. (You haven’t even broken the rules).
  • The tool’s WordPress plugin for individual account owners is just hype.
  • If you are using Instamojo for your online business
  • I’ve already mentioned various features, the pricing structure, the pros and cons, as well as my experience with It.
  • For bloggers, startups, and small businesses that need a simple payment gateway service,The tool is a great option.

However, large companies and businesses can upgrade their account with premium add-ons like pro analytics, SMS sales alert, payment retry, and missed call marketing, etc. buying credits from your control panel.

Now you can decide if using the Instamojo payment gateway is a good option.

How to get started accepting payments with it [$ 500 Sign Up Bonus]

To start accepting payments and receiving to your bank accounts, you will need to register with Instamojo.

Also, you can receive a registration bonus of ₹ 500 once you verify your company profile.

You need to add a valid email address (a personalized email address is always preferable) and set a strong password to create an account with Instamojo.

After signing up, verify your cell phone number to avoid fraudulent activity, set your preferred username and add important KYC information and bank details where you want to withdraw all your payments.

Please verify the email address and domain/company ownership to update your account and remove the ₹ 10,000 monthly transaction limit.

In your dashboard, you can create payment links and send them to your customers.

Now you can receive payments from your customers through various modes, including debit/credit cards, online banking, UPI, and mobile wallets.

Within a week (mostly 3 days), you will receive your money directly to your bank account.


You will see many Instamojo reviews on different websites and mixed experiences from many people as an end-user of this payment gateway.

This article includes all the features, pricing, setup process, and the experience I’ve written about before. If you think Instamojo is the perfect fit for your business needs and could save you a few bucks, give it a try.