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Xendit

Payments infrastructure built for Indonesia, the Philippines, and the rest of SEA

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•Reviewed May 2026

•Pricing Verified May 2026

•Features Verified May 2026

•Thailand Fit Reviewed May 2026

Reviewed & verified by

Software Listing Editorial Team10+ yrs

SaaS & AI Research Desk · Thailand, Singapore, Vietnam, Indonesia, Philippines, Malaysia expertise

Quick answer · AI-search friendly

Xendit is the best-in-class payment infrastructure for businesses expanding across Indonesia and the Philippines. It offers the most developer-friendly API in SEA and unifies QRIS, QR PH, and regional e-wallets into a single flow.

SEA scorecard

Judged on regional fit, not vendor glossies.

Methodology →

Thailand Fit

8/10

Rapidly expanding Thai support including PromptPay and local cards.

SEA Localization

10/10

The unicorn standard for multi-country payment infra in SEA.

LINE OA Readiness

7/10

Excellent payment link and API support for social commerce.

Marketplace Readiness

9/10

Used by many regional marketplaces for merchant payouts.

SME Affordability

9/10

No setup fees and transparent per-transaction pricing.

At a glance
Best For	Indonesian e-commerce and SaaS
Pricing	Paid
Free Trial	Yes
Thailand Fit	8/10
SEA Localization	Excellent (Indonesia, Philippines focus)
Main Competitor	Stripe

+ What works

✓Best developer experience and API documentation in SEA
✓Unified support for QRIS (ID) and QR PH (PH)
✓Strong recurring payment support for SEA SaaS

− What doesn't

×Pricing can be higher than local legacy gateways for high volume
×Thai payment support is newer than their ID/PH core

About Xendit

Xendit is a Jakarta-headquartered payments platform offering 100+ local payment methods across Indonesia, the Philippines, Malaysia, Thailand, Vietnam, and Singapore. It covers cards, e-wallets (OVO, GoPay, GCash, Maya, ShopeePay), virtual accounts, retail outlets, QRIS, QR PH, and PayLater. Pricing is transaction-based with no monthly minimums.

Key Features

✓ 100+ payment methods across SEA

✓ QRIS Indonesia and QR PH support

✓ Virtual accounts for bank transfers

✓ E-wallet integrations (OVO, GoPay, GCash, Maya, ShopeePay)

✓ Subscriptions and recurring billing

✓ Cross-border receipts and payouts

Best For

Indonesian e-commerce and SaaSPhilippines digital businessesSEA-wide marketplacesSubscription startups across the region

Southeast Asia Fit

Xendit is one of the few payment gateways that handles Indonesian QRIS, Philippine QR PH, and ASEAN e-wallets natively without forcing teams to integrate three separate providers. Founders who start in Indonesia and want to expand into the Philippines tend to default to Xendit for that reason.

Thailand fit: 8/10
SEA localization: Excellent (Indonesia, Philippines focus)

Available in

Integrations

E-commerce: Shopee
Lazada
TikTok Shop
Messaging: WhatsApp
Payment: ShopeePay
Rabbit LINE Pay
QRIS
GCash
Maya
Other: Zetpy
SiteGiant
Shopify
WooCommerce

Sources & verification

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.

Related Analysis & Guides

SaaSAugust 5, 2026

SEA SaaS Tracker: Xendit, PayMongo, and Midtrans Updates

Daily changelog tracking Southeast Asian SaaS updates: Xendit's new Processing Fee schedule effective 2026-10-01 (2026-09-01 for Philippines Inc. merchants), PayMongo's 2026-06-09 virtual prepaid business card launch with Mastercard and Paymentology, and Midtrans's July 2026 Payment Link QR-sharing and Promo Management voucher-code releases.

SaaSAugust 4, 2026

SEA SaaS Tracker: PEAK Account, MISA, and GCash for Business Updates

Daily changelog tracking Southeast Asian SaaS updates: PEAK Account's 2026-07-08 Product Cost Adjustment function for Thai import/trading businesses, MISA's compliance update for Vietnam's Circular 58/2026/TT-BTC micro-enterprise accounting regime effective 2026-07-01, and GCash for Business's 2026-07-02 partnership deepening with Antom and 2C2P to add card, online checkout, and in-store acceptance for Filipino MSMEs. No subscription pricing changes were disclosed by any of the three this cycle.

SaaSAugust 3, 2026

SEA SaaS Tracker: Tookitaki, Netcore Cloud, and Fiuu Updates

Daily changelog tracking Southeast Asian SaaS updates: Tookitaki's July 15, 2026 CloudMile MoU for AI-driven financial crime prevention in Malaysia, Netcore Cloud's July 29-30, 2026 rebrand to Netcore.ai with seven autonomous marketing agents, and Fiuu's July 24, 2026 JCB Direct Acquiring Licence across Malaysia, Singapore, and the Philippines plus its 2025 payment-volume disclosure. No subscription pricing changes were disclosed by any of the three this cycle.

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