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Instamojo

Instamojo

Indian Small Business

VS

Carat (Fiserv)

Enterprise Commerce Platform

Carat (Fiserv)
Fees from
2%–3% + 3 INR vs Custom
Features

0 shared

1 unique to Instamojo · 1 unique to Carat (Fiserv)
Regions

1 shared

2 unique to Carat (Fiserv)
Pay methods

1 shared

4 unique to Instamojo · 13 unique to Carat (Fiserv)

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Show full specs
2 features · 18 payment methods · 3 regions. We don't rank these — they're here for reference.
Instamojo Instamojo
Carat (Fiserv) Carat (Fiserv)
Quick Facts
Fees
Standard transaction rate
2%–3% + 3 INR
Custom
Settlement
Time to receive funds
3 business days
—
Founded
2012
2021
Headquarters
Bangalore, India
United States
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Carat (Fiserv) leads (14 vs 5)
Ach Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Bnpl
✓
✓
Contactless Unique
—
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
✓
—
Direct Debit Unique
—
✓
Google Pay Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Paypal Unique
—
✓
Samsung Pay Unique
—
✓
Upi Unique
✓
—
Venmo Unique
—
✓
Visa Unique
—
✓
Regions
Carat (Fiserv) leads (3 vs 1)
Asia
✓
✓
Europe Unique
—
✓
North America Unique
—
✓

Instamojo is best when you...

Indian Small Business
Need Startup Friendly
Not available with Carat (Fiserv)
View Instamojo

Carat (Fiserv) is best when you...

Enterprise Commerce Platform
Need Enterprise
Not available with Instamojo
Want coverage in Europe, North America
Instamojo doesn't cover these regions
View Carat (Fiserv)

Frequently Asked Questions

What is the difference between Instamojo and Carat (Fiserv)?
They share 1 payment method and 1 region. Instamojo adds Credit Card, Debit Card, Digital Wallet and 1 more that Carat (Fiserv) does not list; Carat (Fiserv) adds ACH, Amex, Apple Pay and 10 more that Instamojo does not list; Carat (Fiserv) also covers Europe, North America; only Instamojo offers Startup Friendly.
Which is cheaper, Instamojo or Carat (Fiserv)?
Instamojo has published rates from 2%–3% + 3 INR; Carat (Fiserv) has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Instamojo and Carat (Fiserv)?
Instamojo lists 1 region and 5 payment methods; Carat (Fiserv) lists 3 and 14. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Instamojo and Carat (Fiserv) compare on integration and settlement?
both offer a sandbox; both support webhooks; Instamojo publishes a settlement time of 3 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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