Regional processor
Xendit
Payments and payouts for Southeast Asia and Hong Kong
95%
of the world’s people live in the 163 countries where Xendit onboards local businesses.
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.
What it offers
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.
Only for businesses in 8 countries.
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 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.
Only for businesses in SG, HK, PH.
medium confidence
Not offered.
Not offered.
Not offered.
Deeper review
Platform and product capabilities
What you can build on Xendit: for other businesses, for your users, for consumers and with stablecoins.
Platform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
xenPlatform 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.
xenPlatform split rules deduct a platform fee or split a payment between parties, in the same currency.
Xendit 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).
medium confidence
Payouts 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.
Each xenPlatform sub-account holds its own isolated balance. These are not bank accounts with account numbers.
medium confidence
Not found in public materials (provider's own pages checked).
low confidence
Not found in public materials (provider's own pages checked). The website lists a 'Financing' product but its page could not be loaded (HTTP 403).
low confidence
Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
Not 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.
low confidence
Not 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).
low confidence
Not found in public materials (provider's own pages checked).
low confidence
Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Not found in public materials (provider's own pages checked).
low confidence
Not found in public materials (provider's own pages checked).
low confidence
Not found in public materials (provider's own pages checked).
low confidence
Not found in public materials (provider's own pages checked).
low confidence
AI agents
Build with AI tools, and let AI agents shop and pay.
No MCP server is published in Xendit's docs (its docs index, llms.txt, lists none). Community servers on GitHub are not official.
medium confidence
Not found in public materials (provider's own pages checked).
low confidence
Not found in public materials (provider's own pages checked).
low confidence
Where it onboards businesses
Available in 7 of the 170 countries we track, limited in 156.
Xendit fully verifies businesses incorporated in Indonesia, the Philippines, Malaysia, Thailand, Vietnam, Hong Kong and Singapore. Businesses incorporated elsewhere can apply as a foreign entity but get a partial product set (for example, no card acceptance in Indonesia, the Philippines or Thailand). Businesses linked to a prohibited country (Belarus, Cuba, Iran, Myanmar, North Korea, Sudan, and Ukraine's Crimea, Donetsk and Luhansk regions) are rejected, including through a UBO, director or authorised representative from one.
Medium confidence: compiled from public sources, not yet checked line by line. Spotted a wrong country? Report it on that country’s page.
North America · 2
Latin America · 25
Europe · 41
Middle East · 13
Africa · 48
Asia-Pacific · 27
Xendit: common questions
Which countries does Xendit support?
Xendit onboards businesses registered in 7 of the 170 countries we track, and in 156 more with limits (United States, Canada, Mexico, Brazil, Argentina, Colombia, Chile, Peru and 148 more). Available: Singapore, Hong Kong, Indonesia, Malaysia, Thailand, Philippines and Vietnam.
Where is Xendit available, by region?
Countries where Xendit onboards businesses (fully or with limits), by region: North America 2 of 2, Latin America 25 of 26, Europe 41 of 43, Middle East 13 of 14, Africa 48 of 49, Asia-Pacific 34 of 36.
What does Xendit offer?
Accept payments: 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. Pay people abroad: 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: 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.
Does Xendit support stablecoins?
No stablecoin products are listed for Xendit.
Can marketplaces and platforms use Xendit?
Sub-accounts for your users: Yes (xenPlatform 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: Yes (xenPlatform split rules deduct a platform fee or split a payment between parties, in the same currency). Embeddable UI: Partly (Xendit 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: Yes (Payouts to bank accounts and e-wallets in 14 corridors, including cross-border; payouts to sub-account merchants' bank accounts via xenPlatform).
What are the alternatives to Xendit?
Other regional processor providers we track: Mercado Pago, Flutterwave, Paystack and Razorpay. Which one fits depends mostly on where your business is registered.
Sources
- Xendit docs: Create account (required documents by country of incorporation) ↗
- Xendit docs: Verifying your account ↗
- Xendit docs: Prohibited and high-risk industries and regions ↗
- Xendit prohibited and high-risk countries (Airtable embedded in Xendit docs) ↗
- Xendit Group prohibited industries (Airtable embedded in Xendit docs) ↗
- Xendit market-specific prohibited industries (Airtable embedded in Xendit docs) ↗
- Xendit Group high-risk industries (Airtable embedded in Xendit docs) ↗
- Xendit pricing ↗
- Xendit docs: Transaction fees ↗
- Xendit docs: Available payment methods ↗
- Xendit docs: Payout coverage ↗
- Xendit docs: xenPlatform overview ↗
- Xendit docs: Sub-accounts ↗
- Xendit docs: Split payments ↗
- Xendit docs: Components ↗
- Xendit docs: Balance overview ↗
- Xendit docs: Card multi-currency processing ↗
- Xendit docs index (llms.txt) ↗