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Flutterwave vs Xendit
Of the 170 countries we track, Flutterwave onboards businesses in 12 (and 153 more with limits) and Xendit in 7 (and 156 more with limits). Both serve businesses in 163.
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Onboards businesses in United States
Flutterwave
AvailableXendit
LimitedAccept payments
Flutterwave
Online payment acceptance through checkout, payment links, invoices, a store builder and POS. Local methods include cards, bank transfer, bank account debit, USSD, mobile money and M-Pesa, depending on currency. Flutterwave says it collects in 30+ currencies.Xendit
Payments API, payment sessions and links, subscriptions, plug-ins and in-person QR payments. Local methods in Indonesia, the Philippines, Malaysia, Thailand and Vietnam (virtual accounts, e-wallets, QR, direct debit, over-the-counter, BNPL, cards), plus cards and PayNow in Singapore and cards in Hong Kong and Mexico.Not for businesses in United States.Pay people abroad
Flutterwave
Transfers from your balance to bank accounts, mobile money or other Flutterwave accounts, singly or in bulk, plus cash pickup in Egypt. Bank transfer guides cover Cameroon, Côte d'Ivoire, Egypt, Ghana, Kenya, Malawi, Nigeria, Rwanda, Senegal, South Africa, Tanzania, Uganda and international USD, EUR and GBP. Egypt bank transfers are off by default.Xendit
Payouts via API or batch to bank accounts and e-wallets in 14 corridors: Indonesia, the Philippines, Malaysia, Thailand, Vietnam, Singapore, Mexico, Hong Kong, China, Australia, SEPA (EUR), South Korea, the UK and the US.Multi-currency account
Flutterwave
Virtual account numbers for receiving NGN and GHS bank transfers (by default for merchants in Nigeria and Ghana; others must ask). NGN-only wallets (payout subaccounts) can be created for your users. Flutterwave also holds a Nigerian microfinance banking licence and offers a Flutterwave MFB business account.Xendit
Multi-currency balances: businesses in Singapore, Hong Kong and the Philippines can add a USD balance alongside their local-currency balance and convert between them. Not a bank account.Not for businesses in United States.Business cards
Flutterwave
Flutterwave Issuing: virtual dollar and naira cards via dashboard or API, and physical naira cards for customers or employees (contact sales). Country eligibility is not stated.Xendit
Not offeredStablecoins
Flutterwave
Stablecoin wallets and transfers: fund a USDC/USDT/RLUSD wallet from NGN, USD, GBP, EUR or GHS balances and send to wallet addresses on Solana, Ethereum, Base or Polygon.Xendit
Not offeredYield on idle cash
Flutterwave
Not offeredXendit
Not offeredYield on idle cash
A return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is.
Where the return comes from
Flutterwave
No yield offeredXendit
No yield offeredIs the money protected?
Flutterwave
–Xendit
–Does the rate change?
Flutterwave
–Xendit
–Platform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
Flutterwave
PartlySubaccounts are bank accounts that receive split payments. Flutterwave says the platform, not Flutterwave, is responsible for vetting merchants it adds.Xendit
YesxenPlatform sub-accounts for your merchants; KYC is either submitted by the platform or completed by the sub-account's authorised representative through an invite link.Split payments and platform fees
Flutterwave
YesSplit an incoming payment and a commission between one or more subaccounts, by percentage or flat amount.Xendit
YesxenPlatform split rules deduct a platform fee or split a payment between parties, in the same currency.Embeddable UI
Flutterwave
PartlyPrebuilt checkout options (Inline, Standard, HTML checkout), payment links and a store builder. No white-label onboarding or payout components were found.Xendit
PartlyXendit Components embed Xendit-managed payment UI in your web or mobile app. No embeddable onboarding or payout components were found (sub-account verification uses an invite link).Pay out to your users
Flutterwave
YesBank, mobile money, wallet-to-wallet and cash-pickup transfers across many African countries, plus USD, EUR and GBP; Flutterwave cites 40+ payout countries.Xendit
YesPayouts to bank accounts and e-wallets in 14 corridors, including cross-border; payouts to sub-account merchants' bank accounts via xenPlatform.Embedded finance for your users
Give your users financial products under your brand.
Accounts that hold money
Flutterwave
PartlyPayout subaccounts create NGN-only wallets with a dedicated virtual account number for your end users. The FaaS page also advertises branded deposit accounts via API. Non-NGN user accounts were not found.Xendit
PartlyEach xenPlatform sub-account holds its own isolated balance. These are not bank accounts with account numbers.Cards for your users
Flutterwave
YesVirtual dollar and naira cards via API, and physical naira cards for your customers or employees.Xendit
Not confirmedNot found in public materials (provider's own pages checked).Financing for your users
Flutterwave
Not confirmedFlutterwave Capital lends to Flutterwave's own merchants in Nigeria, through partner banks. No product for platforms to offer loans to their users was found.Xendit
Not confirmedNot found in public materials (provider's own pages checked). The website lists a 'Financing' product but its page could not be loaded (HTTP 403).Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
End users can be individuals
Flutterwave
PartlyPayout-subaccount wallets can be created for consumers, and the FaaS page advertises KYC and consumer deposit accounts. Consumer onboarding requirements are not documented.Xendit
Not confirmedNot found in public materials (provider's own pages checked). Payout coverage lists C2C and C2B use cases in Indonesia, the Philippines, Thailand and Vietnam, but consumer KYC on sub-accounts is not documented.Consumer wallets or accounts
Flutterwave
PartlyNGN-only wallets held on behalf of your consumers (payout subaccounts).Xendit
Not confirmedNot found in public materials (provider's own pages checked). The website lists 'E Money As A Service' but its page could not be loaded (HTTP 403).Consumer cards
Flutterwave
PartlyThe FaaS page advertises branded virtual and physical consumer debit cards. No developer documentation of a consumer card programme was fetched.Xendit
Not confirmedNot found in public materials (provider's own pages checked).Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoins
Flutterwave
PartlyFlutterwave's stablecoin docs mention transactions to and from wallet addresses and stablecoin-to-fiat conversion, but document only outbound transfers. No inbound stablecoin collection flow was found.Xendit
Not confirmedNot found in public materials (provider's own pages checked).Hold stablecoin balances
Flutterwave
YesA stablecoin wallet balance funded by converting from fiat balances.Xendit
Not confirmedNot found in public materials (provider's own pages checked).Pay out in stablecoins
Flutterwave
YesSend USDC, USDT or RLUSD to external wallets on Solana, Ethereum, Base or Polygon. Cross-stablecoin transfers (USDC to a USDT address) are not supported.Xendit
Not confirmedNot found in public materials (provider's own pages checked).Issue your own stablecoin
Flutterwave
Not confirmedNot found in public materials (provider's own pages checked).Xendit
Not confirmedNot found in public materials (provider's own pages checked).Regulatory risk in United States
Flutterwave
Low riskXendit
No stablecoin productsAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
Flutterwave
Not confirmedNo MCP server is published on Flutterwave's own pages. Community servers exist on GitHub but are not official.Xendit
Not confirmedNo MCP server is published in Xendit's docs (its docs index, llms.txt, lists none). Community servers on GitHub are not official.Checkout for AI agents
Flutterwave
Not confirmedNot found in public materials (provider's own pages checked).Xendit
Not confirmedNot found in public materials (provider's own pages checked).Cards for AI agents
Flutterwave
Not confirmedNot found in public materials (provider's own pages checked).Xendit
Not confirmedNot found in public materials (provider's own pages checked).Working with them
How easy it is to get started.
Self-serve signup
Flutterwave
Not confirmedNot researched yet.Xendit
Not confirmedNot researched yet.Published pricing
Flutterwave
Not confirmedNot researched yet.Xendit
Not confirmedNot researched yet.Public API and sandbox
Flutterwave
Not confirmedNot researched yet.Xendit
Not confirmedNot researched yet.In short
Countries onboarded
Flutterwave
12 of 170Xendit
7 of 170Designed for
Flutterwave
Businesses that need local collection and payouts across many African countries, plus US, UK and EU collection, from one account.Xendit
Businesses that need local payment methods and payouts across Indonesia, the Philippines, Malaysia, Thailand and Vietnam from one account.Limitations
Flutterwave
Products differ by country and currency, and Flutterwave does not say what businesses outside its 12 named countries can use.Xendit
Local payment methods cover only Xendit's own markets, businesses incorporated elsewhere cannot activate cards in Indonesia, the Philippines or Thailand, and a USD 50 monthly minimum fee applies.| Flutterwave Regional processor | Xendit Regional processor | |
|---|---|---|
| Onboards businesses in United States | Available | Limited |
| Accept payments | Online payment acceptance through checkout, payment links, invoices, a store builder and POS. Local methods include cards, bank transfer, bank account debit, USSD, mobile money and M-Pesa, depending on currency. Flutterwave says it collects in 30+ currencies. | Payments API, payment sessions and links, subscriptions, plug-ins and in-person QR payments. Local methods in Indonesia, the Philippines, Malaysia, Thailand and Vietnam (virtual accounts, e-wallets, QR, direct debit, over-the-counter, BNPL, cards), plus cards and PayNow in Singapore and cards in Hong Kong and Mexico.Not for businesses in United States. |
| Pay people abroad | Transfers from your balance to bank accounts, mobile money or other Flutterwave accounts, singly or in bulk, plus cash pickup in Egypt. Bank transfer guides cover Cameroon, Côte d'Ivoire, Egypt, Ghana, Kenya, Malawi, Nigeria, Rwanda, Senegal, South Africa, Tanzania, Uganda and international USD, EUR and GBP. Egypt bank transfers are off by default. | Payouts via API or batch to bank accounts and e-wallets in 14 corridors: Indonesia, the Philippines, Malaysia, Thailand, Vietnam, Singapore, Mexico, Hong Kong, China, Australia, SEPA (EUR), South Korea, the UK and the US. |
| Multi-currency account | Virtual account numbers for receiving NGN and GHS bank transfers (by default for merchants in Nigeria and Ghana; others must ask). NGN-only wallets (payout subaccounts) can be created for your users. Flutterwave also holds a Nigerian microfinance banking licence and offers a Flutterwave MFB business account. | Multi-currency balances: businesses in Singapore, Hong Kong and the Philippines can add a USD balance alongside their local-currency balance and convert between them. Not a bank account.Not for businesses in United States. |
| Business cards | Flutterwave Issuing: virtual dollar and naira cards via dashboard or API, and physical naira cards for customers or employees (contact sales). Country eligibility is not stated. | Not offered |
| Stablecoins | Stablecoin wallets and transfers: fund a USDC/USDT/RLUSD wallet from NGN, USD, GBP, EUR or GHS balances and send to wallet addresses on Solana, Ethereum, Base or Polygon. | Not offered |
| Yield on idle cash | Not offered | Not offered |
| Yield on idle cashA return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is. | ||
| Where the return comes from | No yield offered | No yield offered |
| Is the money protected? | – | – |
| Does the rate change? | – | – |
| Platform & marketplaceRun payments for other businesses: sign them up, take a cut, pay them out. | ||
| Sub-accounts for your users | PartlySubaccounts are bank accounts that receive split payments. Flutterwave says the platform, not Flutterwave, is responsible for vetting merchants it adds. | YesxenPlatform sub-accounts for your merchants; KYC is either submitted by the platform or completed by the sub-account's authorised representative through an invite link. |
| Split payments and platform fees | YesSplit an incoming payment and a commission between one or more subaccounts, by percentage or flat amount. | YesxenPlatform split rules deduct a platform fee or split a payment between parties, in the same currency. |
| Embeddable UI | PartlyPrebuilt checkout options (Inline, Standard, HTML checkout), payment links and a store builder. No white-label onboarding or payout components were found. | PartlyXendit Components embed Xendit-managed payment UI in your web or mobile app. No embeddable onboarding or payout components were found (sub-account verification uses an invite link). |
| Pay out to your users | YesBank, mobile money, wallet-to-wallet and cash-pickup transfers across many African countries, plus USD, EUR and GBP; Flutterwave cites 40+ payout countries. | YesPayouts to bank accounts and e-wallets in 14 corridors, including cross-border; payouts to sub-account merchants' bank accounts via xenPlatform. |
| Embedded finance for your usersGive your users financial products under your brand. | ||
| Accounts that hold money | PartlyPayout subaccounts create NGN-only wallets with a dedicated virtual account number for your end users. The FaaS page also advertises branded deposit accounts via API. Non-NGN user accounts were not found. | PartlyEach xenPlatform sub-account holds its own isolated balance. These are not bank accounts with account numbers. |
| Cards for your users | YesVirtual dollar and naira cards via API, and physical naira cards for your customers or employees. | Not confirmedNot found in public materials (provider's own pages checked). |
| Financing for your users | Not confirmedFlutterwave Capital lends to Flutterwave's own merchants in Nigeria, through partner banks. No product for platforms to offer loans to their users was found. | Not confirmedNot found in public materials (provider's own pages checked). The website lists a 'Financing' product but its page could not be loaded (HTTP 403). |
| Consumer appsBuild for individuals, not just businesses, the way Bridge allows. | ||
| End users can be individuals | PartlyPayout-subaccount wallets can be created for consumers, and the FaaS page advertises KYC and consumer deposit accounts. Consumer onboarding requirements are not documented. | Not confirmedNot found in public materials (provider's own pages checked). Payout coverage lists C2C and C2B use cases in Indonesia, the Philippines, Thailand and Vietnam, but consumer KYC on sub-accounts is not documented. |
| Consumer wallets or accounts | PartlyNGN-only wallets held on behalf of your consumers (payout subaccounts). | Not confirmedNot found in public materials (provider's own pages checked). The website lists 'E Money As A Service' but its page could not be loaded (HTTP 403). |
| Consumer cards | PartlyThe FaaS page advertises branded virtual and physical consumer debit cards. No developer documentation of a consumer card programme was fetched. | Not confirmedNot found in public materials (provider's own pages checked). |
| StablecoinsDollar-backed tokens as a payment and treasury rail. | ||
| Accept stablecoins | PartlyFlutterwave's stablecoin docs mention transactions to and from wallet addresses and stablecoin-to-fiat conversion, but document only outbound transfers. No inbound stablecoin collection flow was found. | Not confirmedNot found in public materials (provider's own pages checked). |
| Hold stablecoin balances | YesA stablecoin wallet balance funded by converting from fiat balances. | Not confirmedNot found in public materials (provider's own pages checked). |
| Pay out in stablecoins | YesSend USDC, USDT or RLUSD to external wallets on Solana, Ethereum, Base or Polygon. Cross-stablecoin transfers (USDC to a USDT address) are not supported. | Not confirmedNot found in public materials (provider's own pages checked). |
| Issue your own stablecoin | Not confirmedNot found in public materials (provider's own pages checked). | Not confirmedNot found in public materials (provider's own pages checked). |
| Regulatory risk in United States | Low risk | No stablecoin products |
| AI agentsBuild with AI tools, and let AI agents shop and pay. | ||
| Official MCP server | Not confirmedNo MCP server is published on Flutterwave's own pages. Community servers exist on GitHub but are not official. | Not confirmedNo MCP server is published in Xendit's docs (its docs index, llms.txt, lists none). Community servers on GitHub are not official. |
| Checkout for AI agents | Not confirmedNot found in public materials (provider's own pages checked). | Not confirmedNot found in public materials (provider's own pages checked). |
| Cards for AI agents | Not confirmedNot found in public materials (provider's own pages checked). | Not confirmedNot found in public materials (provider's own pages checked). |
| Working with themHow easy it is to get started. | ||
| Self-serve signup | Not confirmedNot researched yet. | Not confirmedNot researched yet. |
| Published pricing | Not confirmedNot researched yet. | Not confirmedNot researched yet. |
| Public API and sandbox | Not confirmedNot researched yet. | Not confirmedNot researched yet. |
| In short | ||
| Countries onboarded | 12 of 170 | 7 of 170 |
| Designed for | Businesses that need local collection and payouts across many African countries, plus US, UK and EU collection, from one account. | Businesses that need local payment methods and payouts across Indonesia, the Philippines, Malaysia, Thailand and Vietnam from one account. |
| Limitations | Products differ by country and currency, and Flutterwave does not say what businesses outside its 12 named countries can use. | Local payment methods cover only Xendit's own markets, businesses incorporated elsewhere cannot activate cards in Indonesia, the Philippines or Thailand, and a USD 50 monthly minimum fee applies. |
Common questions
Is Flutterwave or Xendit available in more countries?
Flutterwave. Of the 170 countries we track, Flutterwave onboards businesses in 12 (and 153 more with limits) and Xendit in 7 (and 156 more with limits). Both serve businesses in 163. Only Flutterwave: Sudan and Myanmar.
What do Flutterwave and Xendit offer?
Accept payments: Flutterwave yes, Xendit yes. Pay people abroad: Flutterwave yes, Xendit yes. Multi-currency account: Flutterwave yes, Xendit yes. Business cards: Flutterwave yes, Xendit no. Stablecoins: Flutterwave yes, Xendit no. Yield on idle cash: Flutterwave no, Xendit no.
How do Flutterwave and Xendit differ for platforms and embedded finance?
Sub-accounts for your users: Flutterwave partly, Xendit yes. Cards for your users: Flutterwave yes, Xendit not confirmed. End users can be individuals: Flutterwave partly, Xendit not confirmed. Consumer wallets or accounts: Flutterwave partly, Xendit not confirmed. Consumer cards: Flutterwave partly, Xendit not confirmed. Accept stablecoins: Flutterwave partly, Xendit not confirmed. Hold stablecoin balances: Flutterwave yes, Xendit not confirmed. Pay out in stablecoins: Flutterwave yes, Xendit not confirmed.
Who is Flutterwave designed for?
Businesses that need local collection and payouts across many African countries, plus US, UK and EU collection, from one account. Limitations: Products differ by country and currency, and Flutterwave does not say what businesses outside its 12 named countries can use.
Who is Xendit designed for?
Businesses that need local payment methods and payouts across Indonesia, the Philippines, Malaysia, Thailand and Vietnam from one account. Limitations: Local payment methods cover only Xendit's own markets, businesses incorporated elsewhere cannot activate cards in Indonesia, the Philippines or Thailand, and a USD 50 monthly minimum fee applies.
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