Checkout.com vs Xendit
Checkout.com
checkout.comXendit
xendit.coSide by side
| Figure | Checkout.com | Xendit |
|---|---|---|
| Price from | Free | $7,500/mo |
| Free plan | Yes | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 4 | 2 |
| Spec score · Payment Gateways | 8.8 (#7) | 7.2 (#41) |
| Spec score · Marketplace Payment Platforms | 8.9 (#3) | 7.2 (#23) |
| Spec score · Payment Processing Software | 8.9 (#8) | 7.2 (#53) |
| Spec score · Payment Facilitation Platforms | 8.9 (#3) | 7.2 (#17) |
| Spec score · Cross-Border Payment Platforms | 8.8 (#4) | 7.2 (#22) |
| Spec score · Hosted Checkout Software | 8.8 (#4) | 7.2 (#23) |
| Spec score · Payment Link Software | 8.9 (#5) | 7.2 (#26) |
| Founded | 2012 | 2015 |
| Identity Verification | Identity Verification uses video, AI document checks, liveness and face matching, covering more than 3,000 document types across 195 countries. | Its verification tools include bank-name validation, ID-card verification, e-wallet validation, OCR, AML checks, and liveness detection with facial matching. |
| Payment methods | Supported methods include major card schemes, direct debits, vouchers, digital wallets and bank transfers. | It says businesses can accept payments through more than 100 payment methods across Indonesia, the Philippines, Malaysia, Thailand, Vietnam, Singapore, and Hong Kong. |
| Security certifications | The Trust Center lists SOC 1 Type II, SOC 2 Type II, PCI DSS, PCI 3DS, ISO 27001:2022, GDPR, CCPA and UK Cyber Essentials compliance programs. | Xendit’s Trust Center lists PCI DSS certificates, PCI attestations of compliance, and ISO 27001:2022 certificates for regional entities. |
| Support | Checkout.com offers merchant support for technical issues and strategic advice, and its Dashboard AI agent is available 24/7. | Xendit advertises 24/7 support from human agents. |
| What it does | Checkout.com is an end-to-end payment-services provider for accepting online payments, sending payouts and managing balances through one platform. | Xendit provides payment infrastructure for businesses, including payment acceptance, payouts, platform payments, and financing. |
| Who it serves | Checkout.com describes its payment services as built for businesses and says it delivers payments to the world’s biggest businesses. | Xendit says it is built for enterprises, startups and SMEs, online sellers, platforms and marketplaces, and businesses with recurring billing. |
Plans
Checkout.com
- Registered charitiesFree
- Registered-charity processingFree
- Custom tailored planPriced on request
- Tailored pricingPriced on request
Xendit
- XenPlatform monthly platform fee$7,500 a month
- Pay-as-you-go paymentsPrice not published
In their own words
Checkout.com
Checkout.com provides businesses with services to accept customer payments and send funds, through multiple payment methods and integration routes. It supports more than 150 processing currencies and local acquiring in over 50 countries. Merchants can take major card schemes, direct debits, vouchers, digital wallets and bank transfers, with recurring and marketplace payments also listed. Integration options include Flow, ecommerce plugins, mobile SDKs for Android and iOS, hosted payment pages and an API; its partner directory names Shopify, WooCommerce, BigCommerce and Salesforce Commerce Cloud. Intelligent Acceptance uses an AI engine to optimize payments. Fraud Detection includes network intelligence, machine-learning risk scores, transaction rules, and allow and block lists, with advanced controls and analytics in a Pro tier. Checkout.com says it is PCI DSS Level 1 compliant and its systems are ISO 27001 certified. Pricing is on request and tailored to business profile and risk category; registered charities can receive free processing where the service operates. The company lists Android, iOS, web and API support.
Xendit
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.