Instamojo Review- Simplest Way To Sell & Collect Payment Digitally in India

Instamojo - Changing lives of Indians
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Instamojo review summary

Instamojo offers all the tools one needs to succeed in selling goods or services online. You can create a product or service page and sell products directly using Instamojo. The product is easy to use, and can be used from any part of India.


  • One-click product page creation
  • SEO friendly – helps in more discovery
  • Integrated payment collection feature


Have you ever wanted to sell an eBook online? Or need to collect payment for your Workshop, event or membership course online? 

Even if you are ready with your product, integrating a payment collection system is the biggest challenge. Most of us make a mistake by offering net banking or direct deposit as a payment option, which increases the chances of a last-minute change of mind.

In the past few months, I have been trying out many services that let me sell my eBook. Earlier I talked about E-Junkie, Google play store, and today I will talk about one service that I’ve been using for the last two months.

Create Online Store in India
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I discovered Instamojo around March 2015, and I find it hard to believe that book-selling could be so easier. Before I move ahead & share my experience Instamojo, I want you to know that this service currently operates inIndia only, and users outside India needs to wait for a while before they can also enjoy it’s services.

Let’s move on & learn more about this. At the later part of this post, I will share how I’m using their services & how you can get benefit out of it.

What is Instamojo & how it works?

instamojo review
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Instamojo is a Bangalore-based company that is targeted to selling digital goods & collecting payment online. Instamojo offers various solutions to today’s era Entrepreneurs, Solopreneurs & Freelancers.

In simple word, you can use it to sell any digital goods & collect payment. What I like most about them is, it takes 5 minutes to get started & in another 5 minutes, you can activate your account.

Any Indian seller with a bank account can enroll themselves at Instamojo, and start selling online. Instamojo takes care of payment & delivery of digital goods. In case if you just need to collect payment for your Workshop or an event, you can use Instamojo for that too.

This service is used by Bloggers & Authors to sell eBooks, designer to sell their designs, musicians to sell their music album, photographers are selling their photos & anything that can be delivered online. Top sellers are using this platform to sell IAS, CAT and other exams coaching materials.

Instamojo started to ease the biggest pain point of all digital entrepreneurs, and with a geographical target (India) in their mind. They have simplified the online commerce for millions of Indians, who just want to sell online & get paid.

I have shared complete steps on how you can start selling your eBook or any other product on Instamojo. But, For now, let’s look at the features of InstaMojo:

Features – What makes it worth talking about?

  • Upload the Digital goods, buyer pay via Instamojo payment gateway & everything else including delivery is taken care of Instamojo.
  • You can also collect payment for physical goods.
  • All the product page can be SEO optimized along with support for the canonical tag.
  • Only 1.9% transaction fees.
  • Instamojo apps (Paid & free) let you add features such as SMS alerts, Affiliate program.
  • There are no setup fees & it takes 5 or maximum 10 minutes to get started.
  • Google Analytics integration enabled
  • You can create a discount code for your product.
  • You can allocate separate commission for individual affiliates ( Enjoy the power of super affiliate)
  • Export your Sales & Affiliates. You can import them to your email list for upselling.
  • Request payment by sending SMS (Yah! this is for real)

There are many more features offered by them that made selling online & collecting online payment easier. So are you ready to start selling online or create a PayPal-like payment collection link?

How to start selling online in India using Instamojo?

Even if you don’t have anything to sell a digital product right now, you should go ahead & create an Instamojo account. As after creating an account, you would realize how easy it is to sell online.

Moreover, they offer a feature call InstaPay which let you collect payment online without sharing your bank details. Think of this as Indian PayPal alternative without the wallet feature.

Sell digital goods online
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Here, I’m outlining all the process that you need to follow to get started.

  • Head over to Instamojo homepage.
  • Click on get started & create your profile.
  • I suggest you to use a good username, as it will be displayed in your download link. You can use your brand name or any keyword which is related to your niche/product.
  • After that you need to complete four steps as shown below:
instamojo Approval
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  • When you click on Submit your KYC, you have the option to select from business types. If you are a minor without a PAN card, you should open the account under any of your parent names, or take help of elder person in your family.
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To finish the account activation process, you need to upload a scanned copy of your PAN card, and any one of these three details from your bank account.

  • Latest Bank Statement (Scan/ Photo/ PDF)
  • Passbook Front Page
  • Cheque Book Front Page (Canceled cheques not accepted)

Tip: You can open Instamojo site in a mobile browser (Access mobile site here), and use your mobile phone camera to take pictures. Their mobile site is fully functional.

Instamjo account activation
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Create Payment link for Digital Goods or any other:

This is where you will configure payment link, which will be used for receiving payment for anything you are selling using Instamojo. Click on Create a Payment link, and select from available four options.

Payment link instamojo
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In my case, I chose Digital Goods, as I’m using it to sell my exclusive affiliate marketing eBook.

I bet you will be blown away by the simplicity Instamojo offers when it comes to selling your eBook. Moreover, they take care of each & every detail including SEO, (Social Pay – if you are selling for free).

Sell ebook using Instamojo
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  • Don’t worry about making any mistake or creating everything perfect now, as you can always go back & edit everything including description & pricing.
  • Once done, you can make your page live & you are ready to start selling. You can see an example of the live page here.

Instamojo dashboard:

Instamojo Dashboard
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Once you are done making your product page live, do explore their dashboard & app store. You will find many interesting things, and I highly recommend you to enable affiliates from their app store. This will let your customer or users join & promote your product for the affiliate commission. You can see an example page for joining a product affiliate program here.

Overall be it you or anyone you know, Instamojo makes it easier for you to start selling online. It saves a ton of time getting into the hassle of paperwork for collecting payment & all other formalities.

In today’s era, a company like this is empowering and end-user like me to sell our product instantly.  I’m waiting for when they expand their geographical boundaries from India to worldwide, as that would make this company a game changer in global online commerce.

Create a free account on Instamojo

Have you tried or used Instamojo? Do share your review & experience with me in the comment section below. Do let me know what you are selling with Instamojo. If you think others will be benefitted from this article, do share it with them.

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Authored By
A Blogger, Author and a speaker! Harsh Agrawal is recognized as a leader in digital marketing and FinTech space. Fountainhead of ShoutMeLoud, and a Speaker at ASW, Hero Mindmine, Inorbit, IBM, India blockchain summit. Also, an award-winning blogger.

31 thoughts on “Instamojo Review- Simplest Way To Sell & Collect Payment Digitally in India”

  1. sachin jat

    does it accept international payment? Any thoughts?

    1. Harsh Agrawal

      Nope it doesn’t.

  2. Rishika

    thank you so much for sharing this informative article along with the useful guidelines.

  3. Gagan Polanki

    Thank you very much, Harsh, for enlightening us on how to sell e-book and the easiest way to get payment through Instamojo. I want to know if Internation customers can buy the e-book?

  4. sia

    Are you still using Instamojo? Have heard many people’s payments are being held.I am just getting started on e-books selling. If not which other gateway are you using?

    1. Harsh Agrawal

      I’m still selling few products on Instamojo & had no issues with them. They are one of the customer friendly company. I also use 2Checkout along with Instamojo, as 2checkout enables me to accept payment from all over the world.

      1. sia

        Ok.I have started using Instamojo and true they are very helpful .Big thumbs! But facing the same issue regarding no international payments. Will see 2checkout,thanks.

        I was planning for a video tutorial course, do you know any PG which can host and handle payments for the same in INR?

  5. Nandan Verma

    Very helpful and informative article.
    But I need a little help of yours in integrating Instamojo Payment Link with woo-commerce here at
    The payment link I’m providing in woocommerce settings leads to a 404 page.
    I’m using WooCommerce – Instamojo plugin.
    I will be very thankful if you could help!

    1. Harsh Agrawal

      Hey Nandan,

      You can refer to this guide and integrate the plugin.

  6. Ashish Awalgaonkar

    I have been using Instamojo for selling my digital products and I must say they are professional. I get my money in my account in 3 to 4 days of the purchase. Just waiting for them to start accepting international cards.

  7. Pulkit

    Hi, Harsh

    I just want to know that can Instamojo be Trusted for Big Payments

    And can you also suggest any other good Payment Gateways for collecting payments in India

    1. sia

      Hi Pulkit, How big payments have you accepted on Instamojo? I have used their service for a 1-5 k ,not more.

      1. Pulkit

        I also use it for Small Amount Payments but wants to know if its trusted for big Payments.

        Please also recommend some more easy to use Payment Gateways.

        Thanks Sia

  8. shashikant jadhav

    I opened a/c on instamojo and uploaded required KYC docs and also create payment link but they not approve my a/c.
    when I log in my a/c every time the following message is display.
    “Unfortunately, your business is not compliant with our terms. You cannot collect payment through Instamojo.”
    The digital goods I want sell can it required copyright? What I sell in digital goods?
    what to do?

    1. Ramendu

      Did you find any solution to this? Any workaround got it working for you?

  9. krunal

    Hi harsh
    We want to start online clothing stores to sell colths all over India. Is instamojo allow to sell non digital products with their service ?

  10. Shrinivas

    Hi Harsh, Instamojo is a good option to collect online payments. Thanks for sharing it. Is there any good platform available to sell wordpress themes or plugins? The platform should be like automatically send the notification to theme or plugin buyers when we update the files. Thanks in advance.

  11. Dhaval Gala

    So if am a seller who wants to sell physical products what is the charge instamojo will levy? I didnt understand its payment structure.

  12. Srinivas

    Cool tip and JIT for my requirement!
    BTW, could you please share how to customize Instamojo ‘checkout with Instamojo’ button using CSS to match our website buttons?

  13. Veer Singh

    Cool discovery, and glad you share some guidelines too. Can’t wait to try this!

  14. vijaygopal

    Thanks for the detail about Instamojo. One question, can I sell ebooks to international customers using Instatmojo? Can they pay using their International (outside India) credit cards?

    1. Harsh Agrawal

      This is a limitation as they can’t accept payment from cards which are issues outside India. Hope they remove such limitation in the coming days.

  15. Brandi Gates

    Hi Harsh
    Thank you for sharing
    Your posting very informative i read all of them and gain something new
    another your post is awesome for receiving payment

  16. vikas yadav

    Hi Harsh,
    Thanks for sharing this important online payment collection system. Actually, I have heard about this in past but don’t know much about that. After reading your blog post, I understand what actually InstaMojo is and why is become popular within a short span of time in India. Now, I will definitely give it a try.

  17. Nitin Verma

    Wow ! … mostly, on many websites we see “This service is not available in India” But I’m glad to know about it. Instamojo would be much helpful for starters like me.
    Thanks for the post !!

  18. rakesh kumar

    Sorry to say Harsh but their support is too much unprofessional and they did not care about the new bloggers and the people who are struggling to make money from their services. These people are only supportive to those who are already established and want to add a new source of income through indian payer. One of my friend when created his account and decided to start using instamojo and faced some sort of problem, raised the issue , but …… for your kind knowedge they never ever responded to his email Could you raise this issue with instamojo ?

    1. Harsh Agrawal

      Sad to hear that about them. So far my experience with their staff has been good & usually I get a response within 24 hours. I have forwarded your comment to their team & hope they will make it better in coming days.

  19. Basharath

    Thank you bro for letting us know this digital sell and collect payment system. Very useful info…

  20. Deepak Rana

    Informative article 🙂 this article will help me very soon.

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