Google Pay vs Instamojo

Google Pay lets customers pay online or in apps using payment methods saved to their Google Account. On Chrome and Android, Autofill can enter saved card details at checkout, while the Buy with Google Pay button lets shoppers choose a payment method and shipping address. Android users can tap at store card readers and transit gates or stations, using saved cards, tickets, and other items. Google Wallet can hold credit, debit, loyalty, and travel cards for Google Pay use. Eligible cards may use virtual card numbers to conceal actual card details from merchants during online purchases. At checkout, users may also choose providers such as Affirm, Klarna, or Zip, subject to eligibility. Businesses can add Google Pay API checkout to an app or website, and Google says it charges no additional fee to accept Google Pay, though payment provider processing fees still apply. Google describes payment data as end-to-end encrypted and says it will not sell personal information or transaction history. Google Pay is free, but feature availability depends on region and device; contactless payments require an Android phone with NFC.

Instamojo is an Indian platform for selling online, publishing landing pages and collecting payments. Its Lite online store includes a shopping cart, unlimited products, cash on delivery, shipping integrations and order management. Smart Pages can publish unlimited landing pages with payment integration, testimonials, FAQs, discount codes and up to three pricing options on Basic. The gateway supports credit and debit cards, netbanking, EMI, wallets, UPI and major card networks. Marketplace APIs can split payments among beneficiaries, settle them individually, and hold or release funds based on fulfilment. Businesses can connect through listed libraries and plugins for programming languages, mobile platforms and ecommerce systems. The Android app supports store creation, inventory and order management, metrics, payments and payouts. Instamojo also offers a CRM for customer insights, communications and automated email. Free plans are available; listed paid options include Smart at ₹4,999 a year and Starter at ₹6,999 a year. GST is charged in addition to listed prices.