NOWPayments vs Xendit

NOWPayments lets businesses accept cryptocurrency payments on websites, online stores, and social media accounts. Its homepage says the gateway supports 350+ crypto coins and 75+ fiat coins. Payment options include invoices, subscriptions, buttons, donations, point of sale, widgets, plugins, and a white-label option. The API supports instant payment notifications and allows one order to be paid with multiple cryptocurrencies. Named ecommerce integrations include WooCommerce, WHMCS, Magento 2, OpenCart, Zen Cart, PrestaShop, and Ecwid. NOWPayments describes its service as non-custodial and says it does not hold or store customer funds. Received crypto can be converted automatically into a chosen cryptocurrency using ChangeNOW. Account security controls include two-factor authentication, role-based access, and withdrawal whitelisting. The company presents the service for businesses including ecommerce, gaming, SaaS, marketplaces, charities, payroll, and travel. It advertises 24/7 support. NOWPayments was founded in 2019 by the team behind ChangeNOW and identifies FD Transfers LLC as its operator. The listed standard payment processing plan is free; blockchain network fees are excluded, and enterprise pricing is available on request.

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.