GoCardless vs Instamojo Comparison
GoCardless
Starting at Contact for pricing
- Free Trial
- Large Enterprises
- Medium Business
GoCardless is a bank payment platform for collecting recurring payments directly from customers' bank accounts, using Direct Debit, ACH, Bacs, SEPA and open banking rather than card networks. It is built for subscription…
Instamojo
Starting at Contact for pricing
- Large Enterprises
- Medium Business
Instamojo is a payment gateway for Indian small businesses and solopreneurs that need to accept credit cards, debit cards, and UPI payments online with minimal setup. The platform charges 2% plus Rs 3 per transaction, bu…
GoCardless leads on user satisfaction with a 3.8-star rating across 1,655 reviews.
GoCardless vs Instamojo — at a glance
| Feature | GoCardless | Instamojo |
|---|---|---|
| Rating | 3.8 / 5 | 2.6 / 5 |
| Reviews | 1,655 | 33 |
| Starting price | Contact for pricing | Contact for pricing |
| Free trial | Yes | No |
| Free version | No | No |
| Best for | Large Enterprises, Medium Business, Small Business | Large Enterprises, Medium Business, Small Business |
| Category | Payment Processing Software | Payment Gateway Software |
| Platforms | SaaS/Web/Cloud | SaaS/Web/Cloud, Mobile - Android |
| API | Available | Available |
| Support modes | Online | Business Hours, Online |
| Certifications | SOC 2 | GDPR |
| Data residency | Global | India |
Key differences between GoCardless and Instamojo
- Free trial: GoCardless offers a free trial; Instamojo does not.
- User satisfaction: GoCardless scores higher with a 3.8-star average.
- Deployment: GoCardless supports SaaS/Web/Cloud; Instamojo supports SaaS/Web/Cloud, Mobile - Android.
GoCardless vs Instamojo — find the better fit before you commit.
Which tool fits your team best
Which is actually cheaper for your team size
Where each product wins, per real buyers
Most Payment Processing Software tools look identical on paper. This comparison cuts to the differences that matter — pricing structure, team fit, and what real buyers found after signing up.
Biggest differences
Features
Pricing
Buying details
Security
Buyer feedback
Integrations
Product tour
Other options
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Biggest differences
Start here before you go deeper into features.
Large Enterprises, Medium Business, Small Business
Best for small to medium businesses needing simple, multi-currency payment processing.
- You need fast payout processing within 72 hours to improve cash flow.
- You want a user-friendly, straightforward interface for easy transaction management.
- Your business requires support for multiple payment methods including credit/debit cards and PayPal.
- Your business demands highly responsive and proactive customer support.
- You cannot tolerate risks of account freezing or funds being held without clear communication.
GoCardless typically suits Large Enterprises and Medium Business. Instamojo tends to fit Large Enterprises and Medium Business better. The right choice depends on your team size, workflow, and whether a free trial matters.
Description | GoCardless is a bank payment platform for collecting recurring payments directly from customers' bank accounts, using Direct Debit, ACH, Bacs, SEPA and open banking rather than card ... Read More about GoCardless | Instamojo is a payment gateway for Indian small businesses and solopreneurs that need to accept credit cards, debit cards, and UPI payments online with minimal setup. The platform charges ... Read More about Instamojo |
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Free Trial Availability |
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SpotScoreWhat's this? ↗ | Not Available | 8.6/10 |
User RatingsBased on verified Spotsaas reviews | ||
Best Company Size | — | 1-50 employees51-500 employees |
Get pricing help | Get pricing help |
Software Demo
Demo |
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How do GoCardless and Instamojo Compare on Features?
Total Features | 8 Features | 7 Features |
|---|---|---|
Unique Features | No unique features | No unique features |
Get Quote | Get Quote |
Compare GoCardless and Instamojo on pricing
Review starting price, plan structure, and free-trial access side by side so you can see which option fits your budget and buying process.
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Other Details
Organization Types supported |
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Platforms Supported |
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Modes of support |
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API Support |
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Get help choosing | Get help choosing |
Security & Compliance
Certifications, data handling, and security controls for IT and compliance evaluators.
SOC 2 | ✓ Yes | — |
|---|---|---|
HIPAA | ✗ No | ✗ No |
GDPR | — | ✓ Yes |
Data Encryption | — | ✓ Yes |
Data Residency | 🌐 Global | 🇮🇳 India |
GoCardless User Reviews & Rating Comparison
User Ratings | ||
|---|---|---|
Rating Distribution | ||
Spotsaas Editor’s POV generated by AI | Buyer sentiment Buyer sentiment is mixed to positive across 580 reviews, with clear strengths and a few common watchouts. What buyers like
Common complaints
| Buyer sentiment Mixed user sentiment with praise for ease of use and payout speed but significant frustration over customer support and account freezing issues. What buyers like
Common complaints
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Pros and Cons |
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Positive Reviews | No reviews available for the product | No reviews available for the product |
| Negative Reviews | No reviews available for the product | No reviews available for the product |
List of Customers
Customers | No Customers information available. |  Malanad Plantations  Yazon  AE RI Sakhi |
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Media and Screenshots
Screenshots |  3 Screenshots |  4 Screenshots |
|---|---|---|
Videos |  3 Videos |  4 Videos |
Top Alternatives to GoCardless and Instamojo in 2026
Alternatives |
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Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].
Frequently asked questions
- Which is better, GoCardless or Instamojo?
- GoCardless edges out the other on user ratings (3.8 vs 2.6). That said, the best pick depends on your use case — use the comparison tables above to evaluate each dimension.
- Do GoCardless and Instamojo offer a free trial?
- GoCardless offers a free trial. Instamojo does not.
- What is the starting price of GoCardless vs Instamojo?
- GoCardless starts at Contact for pricing. Instamojo starts at Contact for pricing.
- What are the top alternatives to GoCardless?
- Top alternatives to GoCardless include Stripe Payments, WePay, Braintree Direct, Global Payments, SecurePay.
- What are the top alternatives to Instamojo?
- Top alternatives to Instamojo include Stripe Payments, PayU, Paytm Payment Gateway, MobiKwik Payment Gateway, Razorpay.