PlaytoInstamojo alternative · India · 2026
Instamojo alternative in India: fees on $10,000, side by side
Instamojo doesn't publish its fee on each payment for a business in India. Playto's price is public: on a $10,000 card payment from a client in the United States to a business in India, Playto takes $250.30 and adds zero markup, so you keep $9,749.70. The table also shows Stripe, PayPal, Payoneer and Dodo Payments on the same payment.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by card
- InstamojoFee on each payment not publishedFees not published
- PlaytoYou receive $9,749.70$250.30
The numbers
What lands in your bank
Example payments from a client in the United States to a business in India. All fees included. Taxes not included. This page shows no number for Instamojo.
- With Playto you receive
- $9,749.70
- On a $10,000 card payment.
- Instamojo all in
- Fees not published
- Fee on each payment not published.
- Playto all in
- 2.5%
- Of a $10,000 card payment.
- Ways to pay
- 30+
- From 170+ countries.
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $974.70 | $4,874.70 | $9,749.70 |
| Instamojo1Fee on each payment not published | Fees not published | Fees not published | Fees not published |
| Stripe2 | $937.00 | $4,685.00 | $9,370.00 |
| PayPal3 | $927.03 | $4,636.31 | $9,272.91 |
| Payoneer4 | ≤ $960.80 | ≤ $4,805.96 | ≤ $9,612.41 |
| Dodo Payments6 | ≤ $934.60 | ≤ $4,774.60 | ≤ $9,574.60 |
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $995.00 | $4,995.00 | $9,995.00 |
| Instamojo | Not listed | Not listed | Not listed |
| Stripe | Not listed | Not listed | Not listed |
| PayPal | Not listed | Not listed | Not listed |
| Payoneer4,5 | ≤ $990.00 | ≤ $4,950.00 | ≤ $9,900.00 |
| Dodo Payments6 | ≤ $960.00 | ≤ $4,960.00 | ≤ $9,960.00 |
- 1.Instamojo: International card fee, available on request after KYC approval (not published); Instamojo: Quick payment links plan, INR 0 a year. www.instamojo.com/pricing/, checked 18 Oct 2026.
- 2.Stripe: Fee for an international card charged in USD; Stripe: Currency conversion surcharge (USD to INR). stripe.com/in/pricing, checked 17 Oct 2026.
- 3.PayPal: Payment fee for a client outside India; PayPal: Conversion to INR above PayPal's base rate. www.paypal.com/in/business/paypal-business-fees, checked 17 Oct 2026.
- 4.Payoneer: Card payment fee; Payoneer: Withdrawal fee to an Indian bank in INR (1% to 4%; we count the lowest). www.payoneer.com/en-in/about/pricing/, checked 17 Oct 2026.
- 5.Payoneer: Receiving a US bank transfer. www.payoneer.com/en-in/multi-currency-account/, checked 17 Oct 2026.
- 6.Dodo Payments: Card or wallet fee; Dodo Payments: USD SWIFT transfer fee to a non-US business (one a month); Dodo Payments: ACH Direct Debit fee. dodopayments.com/pricing, checked 17 Oct 2026.
Getting paid in India
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
Banks in India send money between accounts with NEFT, which the Reserve Bank of India runs.
Source: www.rbi.org.in, checked 17 Oct 2026.
Purpose codes
The Reserve Bank of India has a list of purpose codes for reporting money that comes in from abroad. For example, P0802 is for software setup and advice, and P1007 is for advertising and trade fairs.
Source: www.rbi.org.in, checked 17 Oct 2026.
Proof of payment (eBRC)
Banks send DGFT, India's foreign trade office, records of the payments you get from abroad. You then self-certify your eBRC (electronic Bank Realisation Certificate) from those records on the DGFT portal.
Source: www.dgft.gov.in, checked 17 Oct 2026.
Money rules
From 1 October 2026, money for services sold abroad must reach India within nine months of the invoice date, or twelve months if you bill or get paid in rupees. Your bank can allow more time if you ask and give a reason.
Source: www.rbi.org.in, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 95.83 INR (US Treasury reference rate, 30 Sept 2026). The rate on the day of a payment will differ.
Source: fiscaldata.treasury.gov.
Side by side
Instamojo and Playto: what to ask
What to ask Instamojo
- Instamojo's own pages, for a client in the United States paying a business in India: international card fee, available on request after KYC approval (not published); quick payment links plan, INR 0 a year. Source: www.instamojo.com, checked 18 Oct 2026. Ask Instamojo in writing for the fees it doesn't publish, and for the markup when it changes the money to INR.
- Instamojo lists no bank transfer option for a client in the United States paying a business in India.
When Instamojo is still the right choice
- Your clients pay you inside your own country. A local payment method can cost less there. Playto is built for clients abroad.
Switching
Move from Instamojo in three steps
- 1
Request an invite
Tell us about your business. Playto checks every business before it gets in.
- 2
Send a payment link
Share a link or an invoice. Your client can pay 30+ ways, from 170+ countries.
- 3
Get paid
Cards cost 2.5% + $0.30. Bank transfers are never more than $5. Playto adds zero markup.
FAQ
Instamojo alternative in India: questions
Is Playto cheaper than Instamojo in India?
What are the alternatives to Instamojo for a business in India?
How does a business in India get paid from abroad?
Does Instamojo work in India?
How much does Instamojo charge a business in India?
How much does Playto cost?
How do I move from Instamojo to Playto?
Get paid by global clients
Get paid by clients abroad with zero markup
Cards cost 2.5% + $0.30. Bank transfers are never more than $5. Your client can pay 30+ ways, from 170+ countries.
No monthly fees. No setup fees. Lowest price guarantee.