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Overview

Instamojo is a payment gateway designed for Indian businesses, supporting UPI, cards, net banking, and wallets. TelemanAI integrates with Instamojo for INR transactions.

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Prerequisites

  • Instamojo business account
  • KYC verification completed
  • API credentials (API Key and Auth Token)
  • Indian bank account

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Configuration

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Environment Variables

# Instamojo Configuration
IM_API_KEY=your_api_key
IM_AUTH_TOKEN=your_auth_token
IM_URL=https://www.instamojo.com/api/1.1/
INSTAMOJO=YES
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IM_API_KEY
string
required
Your Instamojo API Key
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IM_AUTH_TOKEN
string
required
Your Instamojo Auth Token
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IM_URL
string
API endpoint URL
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INSTAMOJO
string
Set to YES to enable, NO to disable

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Setup Steps

1

Create Instamojo Account

Register at instamojo.com and complete KYC.
2

Get API Credentials

Navigate to Settings → API & Plugins to generate:
  • API Key
  • Auth Token
Use test credentials during development.
3

Configure Environment

Add credentials to .env file.
4

Set Up Webhook

Configure webhook URL:
https://your-domain.com/instamojo/webhook
5

Enable Gateway

INSTAMOJO=YES
Clear cache:
php artisan config:clear

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Supported Payment Methods

Instamojo supports all major Indian payment methods:
  • UPI - Google Pay, PhonePe, Paytm, BHIM
  • Cards - Visa, Mastercard, RuPay, American Express
  • Net Banking - All major Indian banks
  • Wallets - Paytm, Mobikwik, Freecharge, Airtel Money
  • EMI - Credit card EMI options

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Currency

Instamojo only supports INR (Indian Rupee) transactions.

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Testing

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Test Environment

Use test credentials for development: 
IM_API_KEY=test_your_api_key
IM_AUTH_TOKEN=test_your_auth_token  
IM_URL=https://test.instamojo.com/api/1.1/

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Test Payments

In test mode:
  • All payments auto-succeed
  • No real money is charged
  • Test all payment methods
Switch to live credentials only after thorough testing.

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Payment Flow

  1. User selects subscription package
  2. Clicks Pay with Instamojo
  3. Redirected to Instamojo payment page
  4. Chooses payment method (UPI/Card/Net Banking)
  5. Completes payment
  6. Redirected back to TelemanAI
  7. Webhook confirms payment
  8. Subscription activated

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Webhook Configuration

Instamojo sends payment notifications via webhook:

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Webhook URL

https://your-domain.com/instamojo/webhook

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Webhook Events

  • Payment successful - Payment completed
  • Payment pending - Payment in progress
  • Payment failed - Payment unsuccessful

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Troubleshooting

  • Verify API Key and Auth Token
  • Check if using correct environment (test/live)
  • Ensure KYC is approved
  • Try regenerating credentials
  • Check IM_URL is correct
  • Verify INSTAMOJO=YES
  • Clear application cache
  • Check internet connectivity
  • Verify webhook URL is publicly accessible
  • Check webhook configuration in dashboard
  • Test webhook using Instamojo test panel
  • Ensure HTTPS is enabled

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Security Best Practices

  • Never expose API credentials in code
  • Store credentials in .env only
  • Use HTTPS for production
  • Validate webhook payloads
  • Monitor transactions regularly
  • Set up fraud alerts

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Fees

Instamojo charges transaction fees:
  • UPI: ₹3 per transaction
  • Credit/Debit Cards: 2% + GST
  • Net Banking: ₹10 per transaction
  • Wallets: 2% + GST
Check current fees on Instamojo pricing page.

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Next Steps

Razorpay

Alternative Indian payment gateway

Payment Overview

Compare payment gateways

Packages

Set up pricing packages

Payment Settings

Payment configuration guide

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