Xendit Review for Philippine Marketplaces and SaaS Teams in 2026
Checked on 9 November 2026 against Xendit's pricing and XenPlatform pages, PayMongo's pricing page and HitPay's Philippine pricing page. Xendit's site refuses automated fetches, so its pages were read in a browser. Sources are listed at the end of the page.
⚠️ Corrected 2026-11-09: this page previously said XenPlatform costs PHP 85 per active account a month, that payouts cost PHP 10 each, that subscriptions cost PHP 10 per active plan, and listed Philippine rates of 3.2% + PHP 10 for local cards, 2.3% for GCash, 1.8% for Maya and 1.4% for QRPH. Xendit's pricing page now shows a different model: a payment-method fee plus a fixed PHP 11.00 processing fee on every transaction, payouts at 1.00% (minimum PHP 15) plus PHP 11.00, and XenPlatform at a USD 10,000 one-time setup fee and USD 7,500 a month. The verdict that XenPlatform suits marketplaces at any size was based on the old price and has been rewritten.
The short answer
Xendit still covers more of the Philippine payment mix in one account than a basic checkout: cards in PHP or USD, GCash, Maya, GrabPay, ShopeePay, QRPH, direct debit, virtual accounts, over-the-counter outlets and BillEase. Its product list also covers payouts, subscriptions, payment links and cross-border payments.
Two things changed the buying decision in 2026:
- Every Philippine transaction now carries a fixed PHP 11.00 Xendit processing fee on top of the method fee. Together with the PHP 15 minimum on QRPH, direct debit and virtual accounts, that fixed part dominates the fee on small orders.
- XenPlatform, the sub-account and split-payment product, now has a published price of USD 10,000 to set up and USD 7,500 a month, plus USD 5 per active sub-account and USD 15 per KYC/KYB review. That puts it out of reach for a small marketplace and makes it a decision for platforms with real volume.
For a Philippines-only store that needs cards, wallets and QR Ph, PayMongo publishes lower rates on most methods (table below).
Xendit's Philippine rates
Xendit's model, in its own words: "For every transaction, we charge a fixed processing fee + a payment method fee or a payout fee." All fees exclude VAT, which is deducted at settlement.
| Method | Method fee | Xendit processing fee | Fee on a PHP 1,000 payment |
|---|---|---|---|
| Cards, domestic (PHP) | 3.50% | PHP 11.00 | PHP 46.00 |
| Cards, international (PHP) | 4.50% + PHP 10.00 | PHP 11.00 | PHP 66.00 |
| Cards, domestic (USD) | 4.30% + USD 1.00 | USD 0.20 | not PHP-priced |
| GCash (e-wallet) | 3.00% | PHP 11.00 | PHP 41.00 |
| Maya | 2.00% | PHP 11.00 | PHP 31.00 |
| GrabPay | 2.00% | PHP 11.00 | PHP 31.00 |
| ShopeePay | 2.50% | PHP 11.00 | PHP 36.00 |
| QRPH | 1.50%, min PHP 15.00 | PHP 11.00 | PHP 26.00 |
| Direct debit (BPI, UBP, RCBC) | 1.30%, min PHP 15.00 | PHP 11.00 | PHP 26.00 |
| Virtual accounts | 1.00%, min PHP 15.00 | PHP 11.00 | PHP 26.00 |
| BillEase (BNPL) | 1.50% | PHP 11.00 | PHP 26.00 |
| 7-Eleven | 1.50%, min PHP 15.00 | PHP 11.00 | PHP 26.00 |
| Cebuana Lhuillier, LBC, Palawan Express, Robinsons Bills Payment | PHP 25.00 | PHP 11.00 | PHP 36.00 |
| M Lhuillier, SM Bills Payment, USSC | PHP 20.00 | PHP 11.00 | PHP 31.00 |
Other published charges: a USD 25.00 non-refundable chargeback fee on card disputes, and an extra 0.5% when payments run through Xendit's Shopify integration. Asked whether it charges for refunds, Xendit's FAQ answers: "A Xendit processing fee applies to all transactions."
Xendit vs PayMongo vs HitPay on the same order
| Method | Xendit | PayMongo | HitPay |
|---|---|---|---|
| Domestic card | 3.50% + PHP 11 | 3.125% + PHP 13.39 | 3% + PHP 15 |
| GCash | 3.00% + PHP 11 | 2.23% | 2.3% |
| Maya | 2.00% + PHP 11 | 1.79% | not compared |
| QR Ph | 1.50% (min PHP 15) + PHP 11 | 1.34% | 1%, or PHP 20 if higher |
| Payout to a bank | 1.00% (min PHP 15) + PHP 11 | PHP 10 | not compared |
PayMongo and HitPay quote fees before VAT; PayMongo states 12% VAT is charged on the fee.
Arithmetic on a PHP 1,000 GCash payment: Xendit PHP 41.00, PayMongo PHP 22.30, HitPay PHP 23.00.
Arithmetic on a PHP 300 QR Ph payment: Xendit's 1.50% is PHP 4.50, so the PHP 15 minimum applies, plus PHP 11, for PHP 26.00 (8.7% of the order). PayMongo is 300 × 1.34% = PHP 4.02. HitPay's PHP 20 minimum applies, so PHP 20.00.
Arithmetic on a PHP 50,000 payout to one supplier: Xendit 1.00% is PHP 500 plus PHP 11, so PHP 511. PayMongo lists PHP 10 per payout. A platform that pays out large sums should price this line first.
What XenPlatform costs, and who it is for
XenPlatform lets a business create and manage sub-accounts for sellers, branches or partners, accept and split payments between them, charge a platform fee on their transactions, and choose whether Xendit runs KYC on each sub-account or reuses the platform's own process. The published pricing:
| XenPlatform charge | Amount |
|---|---|
| One-time platform setup, per master account | USD 10,000 |
| Monthly platform fee, per master account | USD 7,500 |
| Monthly fee per active sub-account (at least one transaction attempt that month) | USD 5 |
| KYC/KYB review, per new sub-account, regardless of outcome | USD 15 |
| Cross-jurisdiction fee while the master account sets up a local entity where sub-accounts operate | 1.5% of platform volume, first 12 transacting months |
Arithmetic: a marketplace with 200 active sellers pays USD 7,500 + 200 × USD 5 = USD 8,500 a month before any transaction fees, and USD 10,000 + 200 × USD 15 = USD 13,000 to set up. That is a cost a platform takes on when split payments and sub-merchant reporting are core to the product and volume is large enough to absorb it. A small marketplace can collect through a standard account and pay sellers through payouts instead, at the payout rates above.
Who should use Xendit in the Philippines
- Teams that need many payment methods in one integration, including over-the-counter outlets and BillEase, and may add Indonesia, Malaysia, Thailand, Vietnam or Singapore later. Xendit's pricing page lists methods in all of those markets under one fee model.
- Platforms with enough volume for XenPlatform, where sub-account onboarding, payment splitting and central reporting replace in-house work.
- Businesses that take USD card payments from overseas buyers: Xendit lists USD-charged card rates for the Philippines.
Who should look elsewhere first
- A Philippines-only store with average orders of a few hundred pesos. The fixed PHP 11.00 processing fee, and the PHP 15 minimum on QRPH, make small payments expensive. Compare PayMongo's and HitPay's published rates on your own order sizes.
- A small marketplace that wants split payments. XenPlatform's USD 7,500 monthly fee is the deciding number; price the alternative of standard collection plus payouts.
- A business that pays out often in large amounts. A percentage payout fee grows with the amount; PayMongo lists a flat PHP 10.
What we did not check
We read published list prices. We did not open accounts, test settlement or reliability, or obtain volume pricing; Xendit invites merchants to contact it about volume discounts. Xendit's pricing page does not list a separate fee for subscriptions or payment links, so ask how those are billed.