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SPECIFICTION
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Xendit

xendit.co

From $7,500/mo WebiOSAndroidAPI
Visit xendit.co
Spec score 7.2 #41 of 66 in Payment Gateways

What it 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 supports payouts to more than 450 banks and e-wallets, including on weekends and public holidays, and lists payout coverage in 14 countries. Subscription payments automate recurring charges through credit cards, e-wallets, and direct debit. Listed integrations include WooCommerce, Shopify, Wix, Magento, Ecwid, and Odoo, with availability varying 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 verification, OCR, AML checks, and liveness detection with facial matching. Xendit advertises 24/7 human support. Transaction rates vary by payment type and volume, and some products or notifications may carry separate charges. Merchants must complete onboarding and account activation before processing payments.

Spec sheet

What it does
Xendit provides payment infrastructure for businesses, including payment acceptance, payouts, platform payments, and financing.Read 7 Oct 2026 · xendit.co
Integrations
The maker lists integrations including WooCommerce, Shopify, Wix, Magento, Ecwid, and Odoo; available integrations vary by country.Read 7 Oct 2026 · help.xendit.co
Support
Xendit advertises 24/7 support from human agents.Read 7 Oct 2026 · xendit.co
Founded
2015Read 28 Sep 2026 · xendit.co
Account requirements
Merchants must complete standard onboarding and account activation before processing payments.Read 7 Oct 2026 · xendit.co
Account security
Xendit describes account controls including two-factor authentication, granular user permissions, and secure API keys.Read 7 Oct 2026 · help.xendit.co
Identity verification
Its verification tools include bank-name validation, ID-card verification, e-wallet validation, OCR, AML checks, and liveness detection with facial matching.Read 7 Oct 2026 · xendit.co
Payment methods
It says businesses can accept payments through more than 100 payment methods across Indonesia, the Philippines, Malaysia, Thailand, Vietnam, Singapore, and Hong Kong.Read 7 Oct 2026 · xendit.co
Payouts
Xendit says it supports payouts to 450+ banks and e-wallets, including on weekends and public holidays.Read 7 Oct 2026 · xendit.co
Pricing caveat
Transaction rates vary by type and volume, and some products or notifications such as SMS may incur separate charges.Read 7 Oct 2026 · xendit.co
Recurring payments
Its subscription payments automate recurring payments through credit cards, e-wallets, and direct debit.Read 7 Oct 2026 · xendit.co
Security certifications
Xendit’s Trust Center lists PCI DSS certificates, PCI attestations of compliance, and ISO 27001:2022 certificates for regional entities.Read 7 Oct 2026 · trustcenter.xendit.co
Who it serves
Xendit says it is built for enterprises, startups and SMEs, online sellers, platforms and marketplaces, and businesses with recurring billing.Read 7 Oct 2026 · xendit.co

Plans and prices

XenPlatform monthly platform fee $7,500 a month Per master account using XenPlatform Separate fees also apply: USD 10,000 one-time setup · USD 15 per sub-account KYC/KYB review · USD 5 per active sub-account monthly Read 7 Oct 2026 · xendit.co
Pay-as-you-go payments Price not published Per transaction; fixed processing fee plus payment-method fee or payout fee. Rates vary by method and market. Standard rates; custom pricing and volume discounts available · Fees quoted exclude local taxes Read 7 Oct 2026 · xendit.co

Every Xendit plan and price →

Strong points and limits

Strong points

  • Accepts more than 100 payment methods across seven markets.
  • Payouts reach 450+ banks and e-wallets.
  • Recurring billing supports cards, e-wallets, and direct debit.
  • Account controls include two-factor authentication and granular permissions.
  • Advertises 24/7 human support.

Limits

  • Transaction rates vary by method and volume.
  • Some products or notifications may have separate charges.
  • Integration availability varies by country.
  • Onboarding and account activation are required before processing.

Who it suits

Xendit is aimed at enterprises, startups and SMEs, online sellers, platforms and marketplaces, and businesses with recurring billing. Its listed payment methods and integrations may suit businesses operating across the named Southeast Asian and Hong Kong markets.

Verdict

Xendit brings payment acceptance, payouts, recurring billing, and platform payments into one business infrastructure offering. Costs depend on transaction type and volume, and XenPlatform has additional setup and account fees.

Where Specifiction places it

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