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Payroc

Payroc

ISO Payment Services

VS

Instamojo

Indian Small Business

Instamojo
Fees from
Custom vs 2%–3% + 3 INR
Features

0 shared

1 unique to Payroc · 1 unique to Instamojo
Regions

0 shared

2 unique to Payroc · 1 unique to Instamojo
Pay methods

2 shared

3 unique to Payroc · 3 unique to Instamojo

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Show full specs
2 features · 8 payment methods · 3 regions. We don't rank these — they're here for reference.
Payroc Payroc
Instamojo Instamojo
Quick Facts
Fees
Standard transaction rate
Custom
2%–3% + 3 INR
Settlement
Time to receive funds
—
3 business days
Founded
2013
2012
Headquarters
Chicago, Illinois
Bangalore, India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise Unique
✓
—
Startup Friendly Unique
—
✓
Payment Methods
Ach Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Bnpl Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Digital Wallet Unique
—
✓
Upi Unique
—
✓
Regions
Payroc leads (2 vs 1)
Asia Unique
—
✓
Europe Unique
✓
—
North America Unique
✓
—

Payroc is best when you...

ISO Payment Services
Need Enterprise
Not available with Instamojo
Want coverage in Europe, North America
Instamojo doesn't cover these regions
View Payroc

Instamojo is best when you...

Indian Small Business
Need Startup Friendly
Not available with Payroc
Want coverage in Asia
Payroc doesn't cover this region
View Instamojo

Frequently Asked Questions

What is the difference between Payroc and Instamojo?
They share 2 payment methods and 0 regions. Payroc adds ACH, Apple Pay, Bank Transfer that Instamojo does not list; Instamojo adds Buy Now Pay Later, Digital Wallet, UPI that Payroc does not list; Payroc also covers Europe, North America; Instamojo also covers Asia.
Which is cheaper, Payroc or Instamojo?
Payroc has custom pricing quoted on engagement; Instamojo has published rates from 2%–3% + 3 INR. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Payroc and Instamojo?
Payroc lists 2 regions and 5 payment methods; Instamojo lists 1 and 5. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Payroc and Instamojo 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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