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8 Best Free Instamojo Alternatives in 2026

Explore 8 alternatives to Instamojo — vetted by our editors with real user reviews, pricing, and feature comparisons.

The 8 free Instamojo alternatives buyers shortlist most

Quick answer

The strongest Instamojo alternatives right now are Razorpay, Paytm Payment Gateway and Cashfree Payments. Razorpay takes the top spot with a SpotScore of 9.1 and a 4.75★ rating. Compare the full set of 8 on score, rating, and price below.

A tool that fits one team can frustrate another, so if Instamojo is frustrating yours, these 8 payment gateway software free alternatives are worth a look. We rank them by SpotScore, which combines verified user satisfaction with market presence, then ratings and pricing. The table gives a quick side-by-side; the sections below explain each pick.

ProductSpotScoreRatingPricingBest for
RazorpayStreamline your payments with ease.9.1★★★★★ 4.75(34)Quotation Basedteams of all sizes
Paytm Payment GatewaySeamless integration, customizable alerts, effortless payments.8.9★★★★★ 4.89(132)Quotation Basedteams of all sizes
Cashfree PaymentsSimple. Secure. Swift. Your ultimate financial solution.8.6★★★★★ 4.5(4)Quotation Basedteams of all sizes
UniPay GatewayThe key to seamless online payments.8.5★★★★★ 4.5(2)Quotation Basedsmall & mid-size businesses
AirpayEffortless and secure online payments made simple.8.4★★★★☆ 4Quotation Basedmid-size & enterprise teams
Stripe ConnectStreamline your online payments with Stripe Connect.8.3Not yet ratedQuotation Based · Subscriptionteams of all sizes
Stripe PaymentsSeamless payments, anytime, anywhere.—★★★★★ 4.69(243)Quotation Basedteams of all sizes
PayUSecurely accept payments with ease.—★☆☆☆☆ 1.47(57)Quotation Basedteams of all sizes

9.1

SpotScore

Razorpay - Payment Gateway Software

Razorpay

Streamline your payments with ease.

Best for: SMB teams · Mid-market · Enterprise

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4.8

34 verified reviews

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What is Razorpay?

Razorpay's payment gateway software helps online businesses to accept payments from customers using their desktop and mobile devices. This online payment gateway helps you integrate seamlessly with the leading payment gateways in India, and global financial networks like Visa and Mastercard. ...

Read more about Razorpay

Razorpay offers custom pricing plan

8.9

SpotScore

Paytm Payment Gateway - Payment Gateway Software

Paytm Payment Gateway

Seamless integration, customizable alerts, effortless payments.

Best for: SMB teams · Mid-market · Enterprise

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4.9

132 verified reviews

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What is Paytm Payment Gateway?

The Paytm gateway software offers you all the benefits a payment gateway should offer – and more. It comes with a seamless integration with Paytm Wallet, configurable SMS alerts, transaction confirmation email for buyers and retailers, verification of users before proceeding further with their ...

Read more about Paytm Payment Gateway

Paytm Payment Gateway offers custom pricing plan

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8.6

SpotScore

Cashfree Payments - Payment Gateway Software

Cashfree Payments

Simple. Secure. Swift. Your ultimate financial solution.

Best for: SMB teams · Mid-market · Enterprise

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4.5

4 verified reviews

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What is Cashfree Payments?

Cashfree Payments is a payment gateway for Indian businesses that handles both payment collection and disbursement. It supports recurring subscriptions, bank account verification, and payouts to bank accounts, PayTM wallets, or UPI addresses, with domestic and international funds settling ...

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Cashfree Payments offers custom pricing plan

8.5

SpotScore

UniPay Gateway - Payment Gateway Software

UniPay Gateway

The key to seamless online payments.

Best for: SMB teams · Mid-market

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4.5

2 verified reviews

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What is UniPay Gateway?

UniPay Gateway is a payment processing platform for e-commerce operators that need to automate credit card authorization and data storage without manual transaction handling. It captures card data, authorizes transactions, and writes records to a connected database in a single workflow, ...

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UniPay Gateway offers custom pricing plan

8.4

SpotScore

Airpay - Payment Gateway Software

Airpay

Effortless and secure online payments made simple.

Best for: Mid-market · Enterprise

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4.0

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What is Airpay?

Airpay is cloud-based payment gateway software, which allows you to accept online payments on websites, mobile applications and kiosks. It can be setup in minutes with minimal effort and is pre-integrated with the most popular ecommerce platforms available today. It can accept payments from any ...

Read more about Airpay

Airpay offers custom pricing plan

8.3

SpotScore

Stripe Connect - Payment Gateway Software

Stripe Connect

Streamline your online payments with Stripe Connect.

Best for: SMB teams · Mid-market · Enterprise

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What is Stripe Connect?

Stripe Connect is a payment platform layer used by software companies and marketplaces that need to route payments between buyers and sellers — such as gig economy apps, SaaS billing platforms, and on-demand marketplaces. It handles fund disbursement to third-party accounts, platform fee ...

Read more about Stripe Connect

Stripe Connect offers custom pricing plan

Stripe Payments - Payment Processing Software

Stripe Payments

Seamless payments, anytime, anywhere.

Best for: SMB teams · Mid-market · Enterprise

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4.7

243 verified reviews

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What is Stripe Payments?

Stripe Payments is the most powerful and flexible way to accept payments on the web. It is a simple way to accept credit cards on your website, in your mobile app, or wherever payments are made.  In addition to accepting payments online, Stripe provides you with all the tools you need to ...

Read more about Stripe Payments

Stripe Payments offers custom pricing plan

PayU - Payment Processing Software

PayU

Securely accept payments with ease.

Best for: SMB teams · Mid-market · Enterprise

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1.5

57 verified reviews

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What is PayU?

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 customers. It provides a payment gateway and merchant account in a single ...

Read more about PayU

PayU offers custom pricing plan

Why each of these made the list

Razorpay9.1Best for teams of all sizes

Streamlined payment processing experience with real-time insights and data through an intuitive dashboard.

Watch for: Challenges with customer support response times, leading to delays in issue resolution and potential dissatisfaction.

Paytm Payment Gateway8.9Best for teams of all sizes

Convenient and fast way to convert and transfer Paytm gift wallet balance into bank accounts.

Watch for: Some delays in transaction processing and occasional complexity in payment settlements.

Cashfree Payments8.6Best for teams of all sizes

Seamless payment integration

Watch for: Limited to Indian businesses

UniPay Gateway8.5Best for small & mid-size businesses

Automates e-commerce transactions

Watch for: Limited payment method options

Airpay8.4Best for mid-size & enterprise teams

Cloud-based solution

Watch for: Limited customization options

Stripe Connect8.3Best for teams of all sizes

Quick setup

Watch for: Limited customer support

Stripe PaymentsBest for teams of all sizes

Flexible payment options

Watch for: Fees can add up

PayUBest for teams of all sizes

Easy to use

Watch for: Limited international support

Why teams look for a Instamojo alternative

The case for a Instamojo alternative often starts with gaps like these:

  • Unresponsive customer support team with lengthy wait times and lack of proper assistance.
  • Instances of money being held without proper communication or resolution, leading to frustration and trust issues.

What counts when comparing Instamojo alternatives

The 8 payment gateway software free alternatives compare like this on the specifics: Paytm Payment Gateway is the highest rated at 4.89★ across 132 reviews.

How we ranked these.

Frequently Asked Questions (FAQs)

Stuck on something? We're here to help with all the questions and answers in one place.

The top-rated alternatives to Instamojo are Paytm Payment Gateway (4.9★), Razorpay (4.8★), Stripe Payments (4.7★). Compare all 8 alternatives side-by-side above.

When evaluating alternatives to Instamojo, prioritize: Invoice Payment, PoS Transactions, Recurring Billing, Website Payments, Saved Cards, transparent pricing, free trial availability, and integrations with your existing tools. Use the filters above to compare by feature, budget, and team size.

Migration difficulty depends on how deeply Instamojo is integrated into your workflows. Most alternatives offer data export/import tools and dedicated onboarding support. We recommend shortlisting 2–3 options, running a free trial, and checking each vendor's migration guides before committing.

Which Instamojo alternative should you pick?

  • If real-user ratings matter most: Paytm Payment Gateway has the strongest star rating (4.89★) among the options with verified reviews.
  • Want the safest pick: Razorpay has the highest Spotsaas Score (9.1) in this list — a strong default if you're unsure.

Migrating away from Instamojo

Before you move off Instamojo, export your existing data and confirm your new tool can import it. Check feature parity for the workflows you depend on, then run a short pilot on a free tier or trial before rolling it out. Most tools above offer a free way to test, so you can validate the fit before paying. Keep your Instamojo account active until the migration is done.

Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].