Instamojo vs PayU Comparison
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…
PayU
Starting at Contact for pricing
- Large Enterprises
- Medium Business
PayU is an online payment processing platform used by e-commerce merchants and online businesses in emerging markets — particularly India, Eastern Europe, and Latin America — to accept credit and debit card payments from…
Instamojo leads on user satisfaction with a 2.6-star rating across 33 reviews.
Instamojo vs PayU — at a glance
| Feature | Instamojo | PayU |
|---|---|---|
| Rating | 2.6 / 5 | 1.9 / 5 |
| Reviews | 33 | 79 |
| Starting price | Contact for pricing | Contact for pricing |
| Free trial | No | No |
| Free version | No | No |
| Best for | Large Enterprises, Medium Business, Small Business | Large Enterprises, Medium Business, Small Business |
| Category | Payment Gateway Software | Payment Processing Software |
| Platforms | SaaS/Web/Cloud, Mobile - Android | SaaS/Web/Cloud, Mobile - Android, Mobile - iOS |
| API | Available | Available |
| Support modes | Business Hours, Online | Business Hours, Online |
| Certifications | GDPR | SOC 2 |
| Data residency | India | Global |
Key differences between Instamojo and PayU
- User satisfaction: Instamojo scores higher with a 2.6-star average.
- Deployment: Instamojo supports SaaS/Web/Cloud, Mobile - Android; PayU supports SaaS/Web/Cloud, Mobile - Android, Mobile - iOS.
Instamojo vs PayU — 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 Gateway 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.
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.
Large Enterprises, Medium Business, Small Business
Instamojo typically suits Large Enterprises and Medium Business. PayU 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 | 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 | PayU is an online payment processing platform used by e-commerce merchants and online businesses in emerging markets — particularly India, Eastern Europe, and Latin America — to accept ... Read More about PayU |
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Free Trial Availability |
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SpotScoreWhat's this? ↗ | 8.6/10 | Not Available |
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 Instamojo and PayU Compare on Features?
Total Features | 7 Features | 8 Features |
|---|---|---|
Unique Features | No unique features | No unique features |
Get Quote | Get Quote |
Compare Instamojo and PayU 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.
Pricing Option | ||
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Pricing Plans |
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Pricing Page |  | Pricing information not available |
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 | ✓ Yes |
Data Residency | 🇮🇳 India | 🌐 Global |
Instamojo User Reviews & Rating Comparison
User Ratings | ||
|---|---|---|
Rating Distribution | ||
Spotsaas Editor’s POV generated by AI | 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
| Buyer sentiment Buyer sentiment is cautious across 57 reviews, with several recurring concerns in feedback. 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 |  Malanad Plantations  Yazon  AE RI Sakhi |  OLA  Myntra  Dream11 |
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Media and Screenshots
Screenshots |  4 Screenshots |  6 Screenshots |
|---|---|---|
Videos |  4 Videos |  5 Videos |
Top Alternatives to Instamojo and PayU 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, Instamojo or PayU?
- Instamojo edges out the other on user ratings (2.6 vs 1.9). That said, the best pick depends on your use case — use the comparison tables above to evaluate each dimension.
- Do Instamojo and PayU offer a free trial?
- Neither Instamojo nor PayU currently lists a free trial.
- What is the starting price of Instamojo vs PayU?
- Instamojo starts at Contact for pricing. PayU starts at Contact for pricing.
- What are the top alternatives to Instamojo?
- Top alternatives to Instamojo include Stripe Payments, PayU, Paytm Payment Gateway, MobiKwik Payment Gateway, Razorpay.
- What are the top alternatives to PayU?
- Top alternatives to PayU include JusPay, PangoPay, Global Payments, Paytm Payment Gateway, Razorpay.