DOKU vs Xendit

DOKU provides payment acceptance, payouts, and wallet services connecting businesses with consumers. One registration gives a business access to more than 45 payment methods. Its checkout uses one integration for multiple methods and allows customers to switch payment methods without cancelling a transaction. Businesses can create payment links or digital invoices from the dashboard or Juragan DOKU app and share them through social media, chat, or email. A digital catalog supports product details, checkout, shipping, and real-time order processing. DOKU’s plugin works with Magento, WooCommerce, and Shopify; the listed platform fee is 0,2% in addition to payment-method fees. Developers can use ready-made payment pages or full integrations, with an API reference and sandbox available. DOKU says it uses AES 256 encryption and has PCI DSS certification with periodic audits. It also states that it is Bank Indonesia PJP Level 1 licensed for payment gateway, remittance, e-money, e-wallet, and QRIS services. Payment fees apply to successful transactions, and prices exclude VAT. Founded in 2007, DOKU is headquartered in Jakarta and describes serving businesses from SMEs to enterprises, including local and international businesses.

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.