Payment Gateways

GoCardless vs Instamojo

Both are payment gateways. The short answer: choose GoCardless if you are businesses collecting recurring payments by bank debit; choose Instamojo if you are micro businesses and creators selling without a full website.

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GoCardless logo GoCardlessInstamojo logo Instamojo
Best forBusinesses collecting recurring payments by bank debitMicro businesses and creators selling without a full website
Free planVerifyVerify
PricingSee providerSee provider
Built for IndiaGlobalYes
CategoriesPayment GatewaysPayment Gateways, E-commerce Platforms
Strengths
  • Lower fees than cards for recurring payments
  • Automatic retries for failed payments
  • Integrates with Xero and QuickBooks
  • Very quick to start
  • Payment links and free store builder
Watch out for
  • Bank payments take days to settle
  • Not for one-off card checkouts
  • Fewer advanced features for scaling
Visit GoCardlessVisit Instamojo

Which should you choose?

GoCardless: Payment platform for direct debit and bank payments, popular for subscriptions and recurring invoices in the UK and Europe.

Instamojo: Payment links and a simple online store builder for small sellers.

The best way to decide is to run the same week of real work through both — most offer a free plan or trial — and compare how long tasks take, what your team prefers, and the total cost for your number of users including renewal pricing.

Not sure either fits? See all payment gateways compared.