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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

SaaSSeptember 4, 2026

SEA SaaS Tracker: Xendit, KiotViet, and Sapo Updates

Dated changelog of pricing and feature changes for Xendit, KiotViet, and Sapo from July-September 2026, sourced from vendor help centers and press coverage.

SaaSAugust 22, 2026

SEA SaaS Tracker: Xendit, Sapo, and 2C2P Updates

Changelog of pricing and integration changes for Xendit, Sapo, and 2C2P — sourced, dated updates from official channels, August 2026.

SaaSAugust 15, 2026

SEA SaaS Tracker: Xendit, Sapo, and Airwallex Updates

Daily changelog tracking Southeast Asian SaaS updates: Xendit's 2026-07-08 Dragonpay integration in the Philippines and its new Xendit Processing Fee plus USD 50 Dormant Account Monthly Minimum Fee effective 2026-10-01; Sapo's August 2026 POS release adding IMEI/Serial tracking, per-product expiry-lot alerts, and branch-level transfer-price permissions; and Airwallex's July 2026 Philippines Global Accounts launch plus its 2026-08-14 Air Corporate partnership for Hong Kong company setup.

Expert Guides Recommending Xendit

Expert Solution

Indonesia Ecommerce & Fintech Stack (2026)

The definitive software stack for Indonesian UMKM and ecommerce businesses, covering Tokopedia/Shopee integration, QRIS payments, and local accounting.

Expert Solution

Indonesia Payment Gateways Compared: QRIS, E-Wallets & Fees

Every Indonesian gateway publishes QRIS at 0.7%, so the rate is not the comparison. Midtrans, DOKU, Duitku and Xendit compared on what actually changes the bill: Xendit's flat IDR 4,000 per-transaction fee, and each provider's e-wallet rates.

Expert Solution

Local Payment Gateways for SEA (2026)

Compare payment gateways that support Southeast Asia's local payment rails, including PromptPay, QRIS, PayNow, and DuitNow.

Expert Solution

Midtrans vs Xendit vs DOKU vs Duitku: Indonesian Payment Gateway Fees 2026

All four publish QRIS at 0.7%, so the rate is not the comparison — Xendit adds a flat IDR 4,000 to every Indonesian method. Card, virtual account and QRIS fees from each vendor's own rate card, verified August 2026.

Expert Solution

Payment Gateway Philippines: GCash, Maya and Card Fees Compared 2026

A neutral comparison of Philippine payment gateways — PayMongo, Xendit, Maya Business, GCash for Business, Dragonpay, 2C2P and Paynamics — on card, GCash, Maya and over-the-counter fees, with BSP's 2026 transfer-fee reform explained.

Expert Solution

Thailand Software Stack (2026)

The definitive software stack for Thai SMEs and ecommerce, covering LINE OA CRM, PromptPay integration, and e-Tax compliance.

Expert Solution

What Ecommerce Platform Supports PromptPay? (2026)

No major storefront platform documents native PromptPay — it reaches your checkout through a Thai-licensed payment gateway. What Shopify, Shopline and WooCommerce actually publish, checked against each vendor's own page.

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