6 Best Stripe Alternatives for Southeast Asia 2026
Looking for a Stripe alternative in Southeast Asia? Compare PayMongo, Xendit, Midtrans, DOKU, Duitku, and HitPay for local payment rails like PromptPay and QRIS.
Stripe is great for global cards, but if your customers use local payment methods (PromptPay, QRIS, GCash), local alternatives like Xendit and PayMongo offer better rates and native integrations.
Thailand & SEA Context
Stripe's support for local SEA payment methods is limited and often more expensive than using a regional gateway. Local businesses need gateways that support e-wallets, bank transfers, and QR payments natively.
Top Stripe Alternatives Analyzed
Xendit
Payments infrastructure built for Indonesia, the Philippines, and the rest of SEA
- ✓Broad API for all local rails
- ×Complex integration for simple stores
PayMongo
Filipino payment gateway SaaS for Shopify, e-commerce, and SaaS businesses
- ✓GCash and Maya dominance
- ×Limited outside the Philippines
HitPay
Singapore-built omnichannel payment platform for SEA SMEs
- ✓No-code payment links and POS
- ×Less developer-focused than Xendit
Midtrans
Indonesian payment gateway with exclusive GoPay and QRIS acceptance, part of the GoTo Group
- ✓Gopay and QRIS native
- ×UI is somewhat dated
DOKU
Indonesia's first licensed payment gateway with QRIS All Payment and cross-border QR acceptance
- ✓Deep local banking ties
- ×Slower onboarding for SMEs
Duitku
Indonesia-built payment gateway with published IDR pricing for bank transfer, e-wallet, and retail outlet payments
- ✓Simple integration for ID tech stacks
- ×Regional presence is weak
Side-by-Side Comparison
| Tool | Thailand Fit | LINE OA | Free Trial | |
|---|---|---|---|---|
| Xendit | High | No | No | No setup fee |
| PayMongo | Low | No | No | No setup fee |
| HitPay | Medium | No | No | No setup fee |
| Midtrans | Low | No | No | No setup fee |
| DOKU | Low | No | No | No setup fee |
| Duitku | Low | No | No | No setup fee |
We verify pricing and features via official vendor documentation and live platform audits. Software-listing.com is independent and may earn affiliate commissions from some links.
Switch from Stripe if...
- → Your customers prefer PromptPay, QRIS, or GCash over credit cards.
- → Stripe's transaction fees are eating into your margins.
- → You need localized customer support and fast settlements in local currencies.
Stay on Stripe if...
- • Most of your revenue comes from international credit cards.
- • You heavily rely on Stripe Billing for complex subscription logic.
- • You use Stripe Atlas and other US-centric Stripe ecosystem products.
The questions operators actually ask.
What is the best alternative to Stripe in Southeast Asia?
Xendit and HitPay are generally the best regional alternatives, offering comprehensive coverage of local payment rails like PromptPay and QRIS.
Why use local gateways instead of Stripe?
Local gateways have lower processing fees for domestic transactions and native support for the e-wallets and bank transfers that SEA consumers prefer.