Xendit Payment Gateway for Merchants

Introduction

Xendit is a leading fintech and payment gateway platform headquartered in Jakarta, operating across Southeast Asia, including Indonesia, the Philippines, Malaysia, Thailand, and Vietnam. Founded in 2016 by Juan Gonzalez and Bo Chen, Xendit has rapidly scaled to become a trusted provider of advanced payment infrastructure in the region.

Xendit empowers businesses, especially startups, SMEs, marketplaces, and enterprises to accept a wide variety of payment methods through a single, unified API. Its developer-centric approach, strong compliance, and scalable infrastructure make it ideal for companies seeking seamless payment operations and regional reach.

Key Features & Capabilities

Wide Range of Payment Methods

With a single integration, Xendit enables merchants to accept over 100 payment methods across Southeast Asia:

• Credit & debit cards (Visa, Mastercard, JCB, American Express)

• Virtual accounts with major regional banks

• E-wallets such as GoPay, OVO, DANA, ShopeePay, GCash, and Momo

• QR code payments, retail outlets, direct debit, and PayLater solutions

This flexibility ensures that businesses can serve customers according to their local payment preferences.

API-First & Developer-Centric Integration

Xendit offers a robust set of APIs that provide:

• Unified endpoint for handling various payment flows

• Consistent error messaging and retry logic

• Dynamic 3DS for secure card authentication

• SDKs and plugins for platforms like WooCommerce, Shopify, Magento, and OpenCart

Whether a business needs hosted payment pages, quick payment links, or full custom checkout integration, Xendit’s developer tools support fast deployment and flexibility.

Recurring Payments & Subscriptions

Xendit is one of the first gateways in Southeast Asia to offer recurring payments using:

• E-wallets

• Credit and debit cards

• Direct debits

Its subscription engine supports:

• Automated retry mechanisms

• Real-time billing notifications

• Customizable billing cycles

This feature is ideal for SaaS companies, e-learning platforms, and any business model involving memberships or monthly services.

Marketplace Support via XenPlatform

For platforms and marketplaces, XenPlatform allows businesses to:

• Onboard and manage multiple merchants or vendors

• Automate split payments and commissions

• Monitor transaction history and performance dashboards

• Apply custom fee structures at the platform level

XenPlatform is suitable for ride-hailing apps, delivery platforms, booking engines, and online marketplaces.

Payout Solutions

Xendit offers efficient ways to send money:

• API-driven payouts to bank accounts or e-wallets

• Bulk disbursement tools via Excel or dashboard uploads

• Payout links to send funds without needing the recipient’s bank info

• Cross-border capabilities, supporting various currencies and FX

These features streamline payroll, vendor payments, refunds, and marketplace settlements.

Security & Compliance

Security is a top priority at Xendit:

• PCI DSS Level 1 certified

• Fraud detection and transaction monitoring

• Tokenization for sensitive data

• Regional regulatory compliance with country-specific frameworks

Xendit ensures that all transactions are conducted safely and in line with international standards.

Operational Tools & Financial Services

Beyond payments, Xendit provides:

• Multi-currency support and treasury management

• Corporate expense cards

• Identity verification and KYC tools

• Financing solutions for business growth

• Bank-as-a-service APIs

• Card issuing capabilities

This full-stack approach allows businesses to centralize their financial operations in one ecosystem.

Performance & Reliability

Xendit supports:

• Over 500 million transactions annually

• Real-time settlements in some markets

• 600+ employees across 10+ countries

• Scalable infrastructure with industry-level SLAs

Whether your business handles hundreds or millions of transactions, Xendit delivers consistent uptime and reliability.

Why Choose Xendit?

Xendit is an excellent choice for businesses because it:

• Supports 100+ payment methods

• Provides regional expertise in Southeast Asia

• Offers enterprise-grade reliability and compliance

• Integrates fast via APIs, plugins, or no-code tools

• Includes extra financial features like disbursements, financing, and treasury

With Xendit, businesses get more than just a payment gateway, they get a full financial technology partner.