Instamojo vs Paystack
Instamojo
instamojo.comPaystack
paystack.comSide by side
| Figure | Instamojo | Paystack |
|---|---|---|
| Price from | ₹333.25/mo | 1 NGN/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 11 | 10 |
| Spec score · Payment Gateways | 9.0 (#2) | 8.7 (#9) |
| Documentation depth | The developer site links to API documentation and step-by-step guides, while the reference docs include authentication, redirects, webhooks, refunds and sample integrations. | Developer documentation provides interactive walkthroughs, code snippets, searchable guides, sample projects and API references. |
| Headquarters | Bengaluru, Karnataka, India | Lagos, Nigeria |
| Integrations | The maker lists API libraries or plugins for Python, Ruby, PHP, Java, C#, JavaScript, Android, iOS, WordPress, WooCommerce, Drupal, Magento, PrestaShop, and OpenCart. | Paystack advertises more than 50 integrations spanning ecommerce, accounting, invoicing and CRM platforms. |
| Payment methods | The pricing page lists UPI, domestic cards, netbanking, wallets, EMI options, corporate cards and premium or international cards subject to request. | Supported payment channels listed include cards, bank accounts, bank transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. |
| Rating on Capterra | 3.9 out of 5 from 17 reviews. | 4.4 out of 5 from 17 reviews |
| Rating on G2 | 0.0 out of 5 from 0 reviews; G2 says there are insufficient reviews for buying insight. | 4.1 out of 5 from 9 reviews |
| Rating on Trustpilot | 1.5 out of 5 from 49 reviews. | 1.5 out of 5 from 249 reviews |
| SDKs | Official documentation covers Android custom-UI integration and an iOS SDK supporting cards, EMI, netbanking, wallets and UPI. | Official developer tools include InlineJS plus Android, iOS, Flutter, Node and Python libraries. |
| Security | Instamojo states that its payment gateway is PCI-DSS certified and that stores receive an automatically configured industry-standard SSL certificate. | Paystack states it is PCI DSS Level 1 certified and ISO 27001:2022 certified. |
| Support | The Do-It-For-Me plan includes 12 months of support and phone and WhatsApp support for the first 30 days. | Paystack says its Customer Success team is available around the clock. |
| What it does | Instamojo describes itself as an Indian all-in-one D2CTech platform offering online stores, landing pages and payment solutions. | Paystack is a payment service provider for African businesses supporting online and in-person payments. |
Plans
Instamojo
- QuickFree
- Smart₹4,999 a year
- LiteFree
- Starter₹3,999 a year
- Growth₹9,999 a year
- BasicFree
- LiteFree
- Lite (Online Store)Free
- QuickFree
- Starter (Online Store)₹6,999 a year
Paystack
- AccountFree
- Paystack transaction pricing (Nigeria)Free
- Dedicated virtual accounts1 NGN a month
- Nigeria local transactions1.51 NGN a month
- Nigeria international transactions3.91 NGN a month
- Nigeria transfers up to NGN 5,00010 NGN a month
- Nigeria transfers NGN 5,001–50,00025 NGN a month
- Nigeria transfers above NGN 50,00050 NGN a month
- Test SmartPeak P1000 terminal85,000 NGN, paid once
- Live SmartPeak P1000 terminal100,000 NGN, paid once
In their own words
Instamojo
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.
Paystack
Paystack helps businesses in Africa accept online and in-person payments from customers around the world. Listed channels include cards, bank accounts and transfers, USSD, POS, Apple Pay, Google Pay, Visa QR, and mobile money. Its APIs support one-time and recurring payments through an app or website, instant transfers, and customer identity verification. The dashboard provides reporting, alerts, exports, transaction reports, customer search, and purchase insights. Listed integrations include WooCommerce, Shopify, Chargebee, Zapier, Wix, and Xero; developer materials include an API and SDKs for Android, iOS, and Flutter. Paystack says its automated and manual fraud systems help protect against fraudulent transactions and related chargeback claims. It states that it is PCI DSS Level 1, ISO 27001:2022, and ISO 27701 certified. The pricing page lists no subscription, integration, or maintenance fee, but transaction fees apply. In Nigeria, local transactions cost 1.5% plus NGN 100; that NGN 100 is waived under NGN 2,500, with local fees capped at NGN 2,000. Automatic settlement is free and generally reaches the merchant's bank account the next working day.