Instamojo and Trustd are both built for Indian small sellers who want to get online without a developer or a large upfront investment. They take different routes to get there.
Instamojo started as a payment gateway and built a store on top of it. The payment infrastructure is the core product, and the storefront is a layer added for sellers who needed somewhere to list products alongside their payment links. Trustd started as a storefront built for social sellers, with payments added to make the store functional.
That difference shows up in the features, the pricing structure, and which seller each platform actually fits.
Instamojo at a Glance
Instamojo powers over 600,000 businesses in India and is one of the most recognised names in Indian small business payments. Its free plan requires no upfront cost and lets sellers list unlimited products. The platform also supports digital products, ebooks, courses, and downloadable files, which neither Trustd nor most boutique-focused platforms offer.
What Instamojo does well:
- Free plan with unlimited products and no monthly subscription
- Supports both physical and digital products
- Pan-India delivery via mojoXpress for domestic shipping
- Payment links shareable directly on WhatsApp, Instagram, or SMS
- Accepts cards, UPI, netbanking, and wallets
- Product reviews available on the Growth plan
- Well-established platform trusted by a large share of Indian MSMEs
Where Instamojo falls short:
- Transaction fees on the free plan are high at 5% + ₹3 per sale. On a ₹1,000 order the seller receives roughly ₹947. For a seller doing ₹25,000 a month in sales, that works out to over ₹1,400 in platform fees every month before payment processor costs
- India-only by default. Instamojo processes payments in Indian Rupees only. International payments require KYC approval from the compliance team, which adds friction for sellers with overseas customers
- No WhatsApp ordering. Payment links can be shared on WhatsApp, but there is no storefront button that opens a pre-filled cart in WhatsApp for the customer
- No verified review system on free or starter plans. The product review feature is locked to the Growth plan at ₹9,999/year, and reviews are not independently verified
- Paid plans carry significant cost. ₹3,999/year for the Starter plan and ₹9,999/year for Growth, with a per-transaction fee still applying on paid plans at 2% + ₹3
- Store customisation is limited. The storefront reflects a platform built around payments first, with design flexibility added later rather than built in from the start
Trustd at a Glance
Trustd is built for boutique owners and social sellers — people selling through Instagram and WhatsApp who need a proper storefront that connects to those channels from day one.
What Trustd offers:
- Free plan — unlimited products, a premium shop page, WhatsApp ordering, and review management. No transaction fee from Trustd on any plan.
- Pro plan — ₹999/year in India (roughly ₹83/month) or $25/year internationally. Includes online payments via Razorpay, Stripe, or Direct UPI, order management dashboard, categories and collections, coupons, analytics, and a Trustd Verified badge.
- WhatsApp ordering — customers tap a button on your storefront and a pre-filled WhatsApp message with their cart opens automatically. Available on the free plan.
- Verified reviews — customers confirm their review via email, earning a Verified badge. Your Trust Score combines rating, verification rate, recommendation rate, and review volume, and displays publicly on your store.
- Instagram and WhatsApp compatibility — your Trustd store link (trustd.shop/yourname) works as your Instagram bio link and as the external link in your WhatsApp Business catalog.
- Razorpay integration — connect your own Razorpay account to accept cards, UPI, netbanking, and wallets.
The Transaction Fee Comparison
For sellers doing any real volume, the fee difference between the two platforms is the most important number on this page.
| Monthly sales | Instamojo free plan fee | Trustd Pro annual cost |
|---|---|---|
| ₹10,000 | ~₹653 | ₹83 (1/12th of ₹999/year) |
| ₹25,000 | ~₹1,403 | ₹83 |
| ₹50,000 | ~₹2,653 | ₹83 |
| ₹1,00,000 | ~₹5,153 | ₹83 |
Instamojo’s fee is calculated at 5% + ₹3 per transaction, assuming 10 transactions per ₹10,000 in sales. Trustd Pro is ₹999/year with no platform transaction fee.
At ₹25,000 a month in sales, which is modest for an active boutique seller, Instamojo’s free plan costs more in a single month than Trustd Pro costs for an entire year.
Side-by-Side Comparison
| Trustd | Instamojo | |
|---|---|---|
| Free plan | Yes — unlimited products | Yes — unlimited products |
| Platform transaction fee (free plan) | None | 5% + ₹3 per transaction |
| Platform transaction fee (paid plan) | None | 2% + ₹3 per transaction |
| Paid plan price (India) | ₹999/year | ₹3,999/year (Starter) |
| WhatsApp ordering | Yes — free plan | No |
| Verified customer reviews | Yes — with Trust Score | Growth plan only, unverified |
| Instagram/WhatsApp compatible | Yes | Payment links only |
| Razorpay / UPI payments | Yes (Pro) | Yes |
| International payments | Yes (Stripe, Pro) | On request, KYC required |
| Digital products | No | Yes |
| Pan-India delivery | No | Yes (mojoXpress) |
| Order management | Yes (Pro) | Yes |
| Custom domain | Yes (Pro) | Yes (paid plans) |
Instamojo Is the Better Fit If…
You sell digital products alongside physical goods. Instamojo’s support for ebooks, courses, and downloadable files is a feature neither Trustd nor most boutique-focused platforms offer. It is also worth considering if your primary need is a shareable payment link rather than a full storefront, or if domestic delivery infrastructure built into the platform matters for how you manage shipping.
Trustd Is the Better Fit If…
You sell physical products through Instagram and WhatsApp and need your storefront to work with those channels. On transaction fees alone, Trustd Pro costs less per year than Instamojo’s free plan costs in a single month for a seller doing ₹25,000 in monthly sales. Add verified reviews, WhatsApp ordering, and a store built for social sellers, and the case for Trustd is straightforward for the boutique selling model.
Start your free Trustd store — no platform transaction fees, unlimited products, and WhatsApp ordering from day one.
Frequently Asked Questions
Does Instamojo charge transaction fees?
Yes. On Instamojo's free plan, the platform charges 5% + ₹3 on every transaction. On a ₹1,000 order, you receive roughly ₹947. Paid plans reduce this to 2% + ₹3 per transaction. Trustd does not charge a platform transaction fee on any plan. You pay only what your payment processor (Razorpay or Stripe) charges.
Can I sell outside India on Instamojo?
Instamojo processes payments in Indian Rupees only by default. International payments are available on request and subject to KYC approval by the Instamojo compliance team. If your customers are outside India, Trustd's Stripe integration handles international card payments without a separate approval process.
Does Instamojo support WhatsApp ordering?
Instamojo lets you share payment links via WhatsApp, but it does not have a built-in WhatsApp ordering button connected to your storefront. Trustd's WhatsApp ordering feature lets customers tap a button on your store page and send a pre-filled cart message, available on the free plan.
Which platform is cheaper for Indian sellers?
It depends on your order volume. On the free plan, Instamojo charges 5% + ₹3 per transaction while Trustd charges no platform fee. On 50 orders of ₹500 each (₹25,000 in monthly sales), Instamojo's free plan costs roughly ₹1,400 in platform fees. Trustd Pro costs ₹999 for the entire year. For sellers doing any meaningful volume, Trustd works out significantly cheaper.
Does Instamojo have a customer review system?
Instamojo's Growth plan includes a product review feature. However, reviews on Instamojo are not independently verified — there is no email confirmation or verified badge system. Trustd's verified review system requires customers to confirm via email, earning a Verified badge. Your Trust Score, which combines rating, verification rate, and recommendation rate, displays publicly on your store.