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Toast

Toast

Restaurant Payments

VS

Instamojo

Indian Small Business

Instamojo
Fees from
2.49% + $0.15 per transaction vs 2%–3% + 3 INR
Features

0 shared

1 unique to Toast · 1 unique to Instamojo
Regions

0 shared

1 unique to Toast · 1 unique to Instamojo
Pay methods

2 shared

3 unique to Toast · 3 unique to Instamojo
On payment methods

Both support 5 payment methods. Verify directly with each provider before signing.

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Show full specs
2 features · 8 payment methods · 2 regions. We don't rank these — they're here for reference.
Toast Toast
Instamojo Instamojo
Quick Facts
Fees
Standard transaction rate
2.49% + $0.15 per transaction
2%–3% + 3 INR
Settlement
Time to receive funds
1–2 business days
3 business days
Founded
2012
2012
Headquarters
Boston, Massachusetts
Bangalore, India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise Unique
✓
—
Startup Friendly Unique
—
✓
Payment Methods
Apple Pay Unique
✓
—
Bnpl Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Digital Wallet Unique
—
✓
Gift Card Unique
✓
—
Google Pay Unique
✓
—
Upi Unique
—
✓
Regions
Asia Unique
—
✓
North America Unique
✓
—

Toast is best when you...

Restaurant Payments
Need Enterprise
Not available with Instamojo
Want coverage in North America
Instamojo doesn't cover this region
View Toast

Instamojo is best when you...

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

Frequently Asked Questions

What is the difference between Toast and Instamojo?
They share 2 payment methods and 0 regions. Toast adds Apple Pay, Gift Card, Google Pay that Instamojo does not list; Instamojo adds Buy Now Pay Later, Digital Wallet, UPI that Toast does not list; Toast also covers North America; Instamojo also covers Asia.
Which is cheaper, Toast or Instamojo?
Toast has published rates from 2.49% + $0.15 per transaction; 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 Toast and Instamojo?
Toast lists 1 region 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 Toast and Instamojo compare on integration and settlement?
both offer a sandbox; both support webhooks; Toast settles in 1–2 business days, Instamojo in 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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