Xendit

What Xendit is

Xendit provides payment infrastructure for businesses, including payment acceptance, payouts, platform payments, and financing. It says businesses can accept more than 100 payment methods across Indonesia, the Philippines, Malaysia, Thailand, Vietnam, Singapore, and Hong Kong. Options include cards, virtual accounts, bank transfers, e-wallets, QR codes, direct debit, retail outlets, and online installments. Xendit says it supports payouts to more than 450 banks and e-wallets, including on weekends and public holidays. Subscription payments automate recurring charges through credit cards, e-wallets, and direct debit.

Listed integrations include WooCommerce, Shopify, Wix, Magento, Ecwid, and Odoo, though availability varies by country. Account controls include two-factor authentication, granular user permissions, and secure API keys; verification tools cover bank-name and e-wallet validation, ID-card checks, OCR, AML checks, and liveness detection with facial matching. Xendit advertises 24/7 support from human agents. Merchants must complete onboarding and account activation before processing payments. Transaction rates vary by type and volume, and some products or notifications may carry separate charges. The XenPlatform monthly platform fee is $7,500 a month, with additional listed fees.

Who it suits

Xendit suits enterprises, startups and SMEs, online sellers, platforms and marketplaces, and businesses with recurring billing. Merchants should account for onboarding requirements and pricing that varies by payment type and volume.

Limits

A free plan is available, but its limits are not described here. Pay-as-you-go payment rates vary by method and market, and some products or notifications may carry separate charges; XenPlatform also has a monthly fee and additional setup and sub-account fees.

Getting started

1. Visit https://www.xendit.co/.
2. Choose a suitable payment or platform option, such as pay-as-you-go payments or XenPlatform.
3. Complete merchant onboarding and account activation before processing payments.
4. Use the web, Android, or iOS platform, or connect through the API.
5. Review country availability for integrations such as WooCommerce, Shopify, Wix, Magento, Ecwid, and Odoo.

Verdict

Xendit covers payment acceptance, payouts, recurring payments, and platform payments across multiple markets. Review country-specific integration availability and variable fees, along with the XenPlatform charges, before deciding how it fits your operation.