1. Introduction to Instamojo
Instamojo is an Indian digital payments and e-commerce platform that enables businesses, freelancers, and individuals to sell products, services, and digital goods online. Founded in 2012, Instamojo provides an easy-to-use platform for small businesses to accept payments, create online stores, and manage orders without needing technical expertise.
Who Can Use Instamojo?
- Small & medium businesses (SMBs)
- Freelancers & professionals
- Content creators & educators
- Non-profit organizations
- Individuals selling products/services
2. Key Features of Instamojo
✔ Online Store Creation – Sell physical/digital products.
✔ Payment Links & Buttons – Generate shareable payment links.
✔ Multiple Payment Options – UPI, Cards, Net Banking, Wallets, EMI.
✔ Invoicing & Billing – Create and send professional invoices.
✔ eCommerce Tools – Discount coupons, shipping, inventory management.
✔ API & Integrations – Works with WordPress, Shopify, Zapier, etc.
✔ Mobile App – Manage business on the go.
✔ Payouts & Settlements – Fast bank transfers.
3. How to Sign Up on Instamojo
- Go to Instamojo’s website.
- Click “Sign Up” (for new users) or “Log In” (existing users).
- Enter your email, mobile number, and password.
- Verify via OTP.
- Complete KYC (PAN & bank details required).
4. Setting Up Your Instamojo Account
After signing up:
- Complete Profile: Add business details, logo, and description.
- Bank Account Verification: Link bank account for payouts.
- Enable Payment Methods: Choose UPI, cards, wallets, etc.
- Set Up Taxes (GST): If applicable.
5. Creating and Selling Products/Services
A. Selling Physical Products
- Go to “Products” → “Add New Product”.
- Enter product name, description, price, images.
- Set shipping options (weight, delivery zones).
- Publish & share via link or embed on a website.
B. Selling Digital Products
- Upload files (PDF, videos, software, etc.).
- Set download limits & access expiry (if needed).
- Share the payment link with buyers.
C. Selling Services
- Create a “Pay Me” link for consultations/services.
- Set a fixed or variable price.
- Share the link via WhatsApp, email, or social media.
6. Payment Options on Instamojo
- Credit/Debit Cards (Visa, Mastercard, RuPay, Amex)
- UPI (PhonePe, Google Pay, BHIM, etc.)
- Net Banking (All major Indian banks)
- Wallets (Paytm, MobiKwik, FreeCharge)
- EMI & Buy Now Pay Later (BNPL)
7. Payouts and Withdrawals
- Processing Time: 2-3 working days.
- Payout Methods: Direct bank transfer (NEFT/IMPS).
- Minimum Payout: ₹15 (for UPI/cards), ₹500 (for wallets).
- Payout Schedule: Daily, weekly, or manual withdrawals.
8. Instamojo Fees and Pricing
| Transaction Type | Fee (Incl. GST) |
| Indian Payments | 2% + ₹3 per transaction |
| International Payments | 3% + ₹3 per transaction |
| Payment Links (Free Plan) | 2% + ₹3 |
| MojoCommerce (Online Store) | ₹1,499/year (unlimited products) |
9. Integrations and API
- WordPress, Shopify, WooCommerce
- Zapier (Automate workflows)
- Custom API for developers
10. Instamojo Mobile App
- Available on Google Play Store & Apple App Store.
- Features:
- Manage products & payments
- Track orders & payouts
- Send payment reminders
11. Marketing and Growth Tools
- Discount Coupons – Attract customers.
- Referral Program – Earn rewards.
- Email & WhatsApp Notifications – Engage buyers.
- SEO Tools – Improve product visibility.
12. Customer Support and Help Center
- Email: support@instamojo.com
- Help Center: https://support.instamojo.com/
13. Pros and Cons of Instamojo
Pros:
✅ Easy to use, no coding required.
✅ Low transaction fees.
✅ Supports digital & physical products.
✅ Multiple payment options.
Cons:
❌ Limited customization for online stores.
❌ No phone support for free users.
14. Alternatives to Instamojo
- Razorpay (Better for developers)
- PayPal (Global payments)
- Paytm Payment Gateway (For Indian businesses)
- Gumroad (For digital products)
15. FAQs
Q1. Is Instamojo free to use?
Yes, but transaction fees apply (2% + ₹3 per payment).
Q2. Can I use Instamojo without a website?
Yes, you can sell via payment links.
Q3. How long do payouts take?
Usually 2-3 business days.
Q4. Does Instamojo support GST invoices?
Yes, you can generate GST-compliant invoices.
Q5. Can I accept international payments?
Yes, with a 3% + ₹3 fee.
Final Thoughts
Instamojo is a great solution for Indian sellers, freelancers, and small businesses looking for an easy way to accept payments online. With low fees, multiple payment options, and useful eCommerce tools, it’s a solid choice for growing your business digitally.
🚀 Ready to start? Sign up at Instamojo.com today!