Xendit
Payment gateways
Payment software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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Pay-as-you-go
Free Trial unavailableFree version unavailable
Small
Medium
Large
- Information technology and software
- Accommodation and food services
- Retail and wholesale
What is Xendit
Xendit is a payment gateway and payments platform focused on helping businesses accept and disburse payments in Southeast Asia. It supports online payment acceptance through local payment methods and provides APIs and dashboards for payment processing, reconciliation, and payout workflows. Typical users include e-commerce businesses, marketplaces, on-demand services, and SaaS companies operating in Indonesia and neighboring markets. The product emphasizes local rails (such as bank transfers and e-wallets) and developer-oriented integration options.
Strong local payment coverage
Xendit is designed around payment methods commonly used in Southeast Asia, including bank transfers, e-wallets, and card payments where available. This helps businesses reduce reliance on card-only acceptance in markets where alternative methods dominate. For companies selling domestically in Indonesia and nearby countries, the local method support can simplify checkout design and payment operations.
Developer-friendly APIs and tools
Xendit provides API-based integration for payment acceptance, disbursements, and related workflows. This suits engineering teams that need to embed payments into web and mobile products and automate reconciliation. Compared with more checkout-only offerings, the API-first approach supports more customized payment flows and back-office automation.
Payouts and disbursement workflows
In addition to collecting payments, Xendit supports sending funds to users or partners, which is relevant for marketplaces and platforms. This reduces the need to stitch together separate providers for collections and payouts. Having both flows in one platform can simplify settlement tracking and operational controls.
Geographic focus limits fit
Xendit’s core strengths are concentrated in Southeast Asia, particularly Indonesia. Businesses that require broad global acquiring coverage or a single provider across many regions may find the footprint limiting. Multi-region merchants may still need additional providers for markets outside Xendit’s strongest coverage.
Feature depth varies by market
Payment methods, settlement options, and compliance requirements can differ significantly by country, and platform capabilities may not be uniform across all supported markets. This can affect rollout timelines when expanding to additional countries. Buyers should validate method availability, settlement currencies, and operational features per market before standardizing.
May require technical implementation
While dashboards exist, many integrations and advanced workflows are optimized for API usage. Organizations without engineering resources may find setup and ongoing changes more complex than fully hosted checkout solutions. Implementation effort can increase when customizing payment flows, webhooks, and reconciliation processes.
Plan & Pricing
Pricing model: Pay-as-you-go Free tier/trial: No time-limited "trial" or permanent free subscription tier is listed on the pricing pages; account setup is free but transactions are charged.
Summary of published transaction & product fees (examples from Xendit official pricing pages):
- International cards – 4.0% + $0.30 per transaction.
- Domestic cards – 3.0% + $0.30 per transaction.
- E-wallets – 2.70% + $0.15 per transaction (rates differ by country).
- Direct Debit / Bank transfer – 2.13% + $0.60 per transaction.
- Retail outlets / Over the counter – 1.73% + $0.30 per transaction.
- QR payments (non-Indonesia) – 1.4% + $0.30 per transaction.
- Virtual Account – 0.5% + $0.20 per transaction.
- PayLater – 6.0% + $0.20 per transaction.
- Subscriptions – $0.30 per active plan per month.
Payouts (examples):
- Local Payouts – $1.00 (per payout; API or Excel; varies by country: ID/PH/VN noted).
- Cross Border Payouts – $5.00 (per payout; additional forex fees may apply).
XenPlatform (platform/marketplace) fees (examples):
- Account activity fee: $1.50 per active sub-account per month.
- In-house transaction fee: 0.63% capped at $1.00 per transaction (fee for transfers between accounts / platform splits).
Additional / one-time costs:
- Set-up fee (listed on pricing page): $5,000 one-time per entity (contact sales for exceptions).
- Early settlement, forex and other services: listed as "Custom" or calculated; contact Sales.
Discounts / negotiation: Graduated tier pricing and negotiated volume/commitment discounts are available via Sales (published guidance: up to three tiered rates per product).
Notes & limitations:
- All prices on the official pages are listed exclusive of VAT unless otherwise stated and vary by country/region; certain country-specific pages list local-currency amounts (e.g., IDR pricing on en-id page, MYR on en-my page).
- Where Xendit marks "Contact Sales", no public fixed price is published.
- This summary is drawn only from Xendit’s official website (pricing pages, docs, Help Center).
Seller details
Xendit Pte. Ltd.
Singapore
2015
Private
https://www.xendit.co/
https://x.com/xendit
https://www.linkedin.com/company/xendit/
