Head to head · Payment gateways & UPI
Instamojo Payments vs Atom Technologies
Pricing, features, India readiness and rating compared. Instamojo Payments rates highest.
| Compare | Instamojo Payments | Atom Technologies |
|---|---|---|
| Category | Payment gateways & UPI | Payment gateways & UPI |
| Vendor | Instamojo | Atom Technologies (NTT DATA) |
| Headquarters | Bengaluru, Karnataka | Mumbai, Maharashtra |
| Made in India | Yes | Yes |
| Starting price | Pay as you go | Pay as you go |
| Free plan | No | No |
| Free trial | Yes | Yes |
| Published pricing | Yes | Yes |
| Deployment | cloud | cloud |
| Mobile apps | No | No |
| Founded | 2012 | 2005 |
| Best for | Small business, SMB, Mid-market | Small business, SMB, Mid-market |
| App Advisor rating | 4.6 / 5 | 4.6 / 5 |
Instamojo Payments: pros & cons
- +Built in India with GST-ready workflows and local support hours
- +14 years in business — a mature, stable product
- −No permanently free plan
Key features
- UPI, cards, net banking, wallets and EMI
- Payment links and pages without a website
- Recurring payments and e-mandates
- Payouts and vendor payments
- Smart routing for higher success rates
- Settlement cycles (T+1, instant)
Atom Technologies: pros & cons
- +Built in India with GST-ready workflows and local support hours
- +21 years in business — a mature, stable product
- −No permanently free plan
Key features
- UPI, cards, net banking, wallets and EMI
- Payment links and pages without a website
- Recurring payments and e-mandates
- Payouts and vendor payments
- Smart routing for higher success rates
- Settlement cycles (T+1, instant)
Get an instant demo
See Instamojo Payments live, with an App Advisor discount
Frequently asked questions
Which is better, Instamojo Payments or Atom Technologies?+
Instamojo Payments scores higher on App Advisor's rating (4.6/5) for pricing transparency, India readiness and maturity. The right choice depends on your workflow — request demos of both.
Is Instamojo Payments cheaper than Atom Technologies?+
Instamojo Payments starts at Pay as you go and Atom Technologies at Pay as you go. Compare per-user costs at your team size, and remember GST is added on top.
Can I switch from Instamojo Payments to Atom Technologies?+
Most payment gateways & upi products import CSV or Excel data; check whether historical records, attachments and integrations move too before you switch.
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