One began as a payments company and grew a store around it. The other began as the store. Here is the side-by-side, sourced.
Instamojo’s paid store plans start at ₹6,999 a year with a 5% + ₹3 fee on every transaction on Starter (2% + ₹3 on Growth). Shoopy starts at ₹2,499 a year with 0% on the first 250 orders and never more than ₹5 an order after that.
| Feature | Instamojo | Shoopy |
|---|---|---|
| Entry paid plan | ₹6,999/yr (Starter) | ₹2,499/yr |
| Fee per transaction | 5% + ₹3 on Lite and Starter; 2% + ₹3 on Growth | 0% for the first 250 orders, then 1% capped at ₹5 |
| Per-order fee cap | None | ₹5 |
| Choice of payment gateway | Its bundled checkout (partner-processed) | Razorpay, Cashfree, PayU, PhonePe and Easebuzz built in |
| Official WhatsApp integration | Not offered | Built-in |
| GST invoicing and reports | Basic | Built-in, every plan |
| Branded app for your store | — | Hybrid from ₹3,999/yr, native from ₹14,999/yr |
| Counter billing | — | Built-in |
| Delivery agent app | — | Built-in, Professional and up |
| Product limit | Small catalogues | Up to 1,00,000 |
| Money-back guarantee | — | 7 days, after a 14-day free trial |
You sell digital products, courses or services and want payments plus a simple storefront in one login. For a freelancer collecting on links with a small catalogue, it gets you taking money quickly, and that may be the whole job.
You sell physical goods at growing volume. A fee with a ₹5 ceiling instead of an uncapped percentage, your choice of gateway, WhatsApp ordering, GST invoicing, counter billing and a catalogue that scales to 1,00,000 products.
A store doing 300 orders a month at an ₹800 average order — ₹28,80,000 in yearly sales — using the published rates above, on Instamojo’s cheapest fee tier.
₹14,999 plan + 2% of sales (₹57,600) + ₹3 × 3,600 orders (₹10,800) = about ₹83,400 a year. On Starter, the 5% rate makes it about ₹1,62,000.
₹5,499 plan + ₹5-capped fees on 3,100 orders past the free 500 (₹15,500) = ₹20,999 a year, plus your gateway’s own charges.
Illustrative, from published rates read August 2026. A fairness note: Instamojo’s fee includes payment processing, so add your gateway’s own charge (commonly around 2%) to the Shoopy side before comparing totals — the gap remains wide. GST applies on both.
Instamojo’s online-store plans are Lite at ₹0, Starter at ₹6,999 a year and Growth at ₹14,999 a year (₹2,999 on monthly billing), plus a custom-priced done-for-you tier. On top of the plan it charges a fee per transaction: 5% + ₹3 on Lite and Starter, 2% + ₹3 on Growth, with no per-order ceiling.
Payments remain built into its checkout, but since 2023 — when the RBI declined its payment-aggregator licence application — the licensed processing runs through partner aggregators rather than Instamojo itself. For a seller the practical point is different: on Instamojo the gateway is fixed; on Shoopy you choose among Razorpay, Cashfree, PayU, PhonePe and Easebuzz.
Simplicity for digital sellers. Payments and a simple storefront live in one login, and for a freelancer or a seller of courses, services or digital downloads it gets you collecting money very quickly. If that is the whole job, it is a reasonable choice and we would not pretend otherwise.
The things a physical-goods business runs into as it grows: a per-order fee with a hard ₹5 ceiling instead of an uncapped percentage, your choice of five Indian payment gateways, an official WhatsApp integration, GST-compliant invoicing, counter billing, a delivery agent app for your own riders, and a catalogue that scales to 1,00,000 products.
Yes. Shoopy’s team exports and imports your products, customers and order history, then helps repoint your domain and connect your payment gateway. Most stores are live within about a week — a complex catalogue can take longer — and there is a 14-day free trial with a 7-day money-back guarantee after you pay.
A thirty-minute demo on your own catalogue — including the fee arithmetic for your order volume.
Shoopy