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Instamojo vs Payu: Which Payment Gateways Is Better in 2026?

Compare pricing, features, integrations, verified reviews, AI capabilities, security, and customer satisfaction, side by side, with no marketing spin.

Instamojo
Instamojo
Leads 4/9
Rating
,
Reviews
0
From
Custom

in Payment Gateways

Payu
Payu
Rating
,
Reviews
0
From
Custom
Jump to scorecard Ask SIA

The Short Answer

Instamojo vs Payu, in 15 seconds

Choose Instamojo if…

  • You want to trial before paying
  • You depend on a broad integration ecosystem
  • You have strict security & compliance needs

Choose Payu if…

  • You need the broader feature set

Head-to-Head Scorecard

How Instamojo and Payu score

Instamojo leads on 4 of 9 measured dimensions.

  • Customer Rating

    Average score from verified user reviews

    Even
    Instamojo
    No reviews
    Payu
    No reviews

  • Review Volume

    Number of verified reviews, a proxy for adoption

    Even
    Instamojo
    0
    Payu
    0

  • Entry Pricing

    Lowest published starting price (free plan = lowest)

    Even
    Instamojo
    Custom
    Payu
    Custom

  • Free Access

    Availability of a free plan and/or free trial

    Instamojo
    Instamojo
    Free trial
    Payu
    Paid only

  • Integrations

    Number of listed third-party integrations

    Instamojo
    Instamojo
    6
    Payu
    0

  • Features

    Number of listed product capabilities

    Payu
    Instamojo
    0
    Payu
    6

  • AI Features

    Capabilities mentioning AI, automation or ML

    Even
    Instamojo
    ,
    Payu
    ,

  • Security & Compliance

    Number of listed compliance certifications

    Instamojo
    Instamojo
    2
    Payu
    ,

  • Platforms & Deployment

    Supported platforms and deployment options

    Instamojo
    Instamojo
    4
    Payu
    3

Feature Comparison

Instamojo vs Payu feature breakdown

Search or filter the full feature matrix, core features, AI, integrations, APIs, security and compliance.

Instamojo
Payu
Overview
User rating
,
,
Pricing model
Quote-based
USAGE_BASED
Starting price
Custom
Custom
Free version
Free trial
Features
Key capabilities
,
Payment gatewayCards & wallets & local methodsFraud protectionPayoutsRecurring paymentsDeveloper APIs
AI features
,
,
Integrations & API
Integrations
ShopifyWooCommerceMagentoZoho BooksTallyREST APIs
,
Public API
Platforms
Deployment
CloudSaaS
CloudWeb
Platforms
WebAPI
Web
Mobile support
Security & Compliance
Compliance
PCI DSSISO 27001
,
Vendor
Company
,
,
Verified
Founded
2012
,
Headquarters
Bengaluru, India
,

Pricing Comparison

Instamojo vs Payu pricing

Entry pricing, plan tiers and the cost factors that shape total cost of ownership.

Instamojo

Custom to start
ProfessionalCustom
  • online store builder
  • payment links and gateway
  • Standard support
  • Integrations
EnterpriseCustom
  • shipping integration
  • MSME credit
  • Advanced security and controls
  • Dedicated support and onboarding

Payu

Custom to start
Transaction-basedFree
  • Payment acceptance
  • Multiple methods
  • Fraud protection
  • Payouts

Total cost of ownership factors

Free planInstamojo Payu
Free trial to evaluateInstamojo Payu
Transparent published pricingInstamojo Payu
Public API (build vs. buy add-ons)Instamojo Payu

Beyond list price, factor in implementation, training, add-ons and per-seat scaling when estimating total cost of ownership.

Pros & Cons

Instamojo vs Payu: strengths and trade-offs

Instamojo

Pros

  • Free trial offered
  • Broad integration ecosystem (6)
  • Compliance: PCI DSS, ISO 27001
  • Public API available

Cons

  • No free plan
  • Pricing is quote-based (less transparent)

Payu

Pros

  • Public API available

Cons

  • No free plan
  • No free trial
  • Pricing is quote-based (less transparent)
  • Fewer native integrations than the alternative
  • No compliance certifications listed

Buyer Fit

Who should use Instamojo vs Payu?

Startups

Either

Either keeps early-stage costs lowest with its entry tier.

Small businesses

Either

Either offers the most accessible pricing for lean teams.

Agencies

Instamojo

Instamojo connects to more tools for multi-client workflows.

Enterprises

Instamojo

Instamojo leads on compliance and breadth for complex needs.

Ecommerce

Instamojo

Instamojo integrates with more of the commerce stack.

SaaS companies

Payu

Payu is the more developer- and automation-friendly choice.

Integration overlap

Only in Instamojo (6)

ShopifyWooCommerceMagentoZoho BooksTallyREST APIs

Only in Payu (0)

Keep Exploring

Other alternatives worth considering

Similar payment gateways products buyers compare alongside Instamojo and Payu.

Razorpay

Razorpay

Custom
Paytm for Business

Paytm for Business

Custom
Juspay

Juspay

Custom
Cashfree

Cashfree

Free
More Instamojo alternatives →More Payu alternatives →

Ask SIA which solution fits your business

SIA, Saaskart's AI buying assistant, weighs Instamojo and Payu against your team size, budget, integrations and compliance needs, then recommends the right fit and the questions to ask each vendor.

Get a personalised recommendation

Instamojo vs Payu, Frequently Asked Questions

What is the difference between Instamojo and Payu?

Instamojo and Payu are both Payment Gateways solutions. Instamojo is rated 0.0/5 by 0 users, while Payu is rated 0.0/5 by 0 users. The main differences lie in pricing, features, and target audience.

Which is better, Instamojo or Payu?

Based on user ratings, Instamojo scores higher at 0.0/5. The best choice depends on your team size, budget, and specific requirements.

Which is cheaper, Instamojo or Payu?

Both products have custom pricing. We recommend contacting both vendors for a quote tailored to your team size.

Does Instamojo or Payu have a free plan?

Neither Instamojo nor Payu currently offers a free plan, but Instamojo provides a free trial.

Can I switch from Instamojo to Payu?

Switching between Instamojo and Payu is possible. Both support data export. Check integration compatibility and plan for data migration to minimise disruption to your team.

Who should use Instamojo vs Payu?

Instamojo is best suited for teams that prioritise enterprise features. Payu works well for teams needing advanced capabilities.

Our Verdict

The bottom line on Instamojo vs Payu

Best Overall

Either

It's a tie balances user satisfaction and proven adoption.

Best for Startups

Either

It's a tie has the friendliest entry point for new teams.

Best for Enterprise

Instamojo

Instamojo leads on compliance and feature breadth.

Best Value

Either

It's a tie delivers the lowest cost to get started.

Best AI Features

Either

Comparable AI capabilities on both sides.

Highest Rated

Either

Both earn equal user ratings.

Ready to decide between Instamojo and Payu?

Visit Instamojo Visit Payu Ask SIA
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