Regional Capabilities

You can use xenPlatform to onboard merchants in many different countries, accept payments on their behalf and automate fund flows between your own account and your merchants.

Qualification & Partnership Models

After you submit a request to activate xenPlatform, we will qualify your use case based on the information you submitted. Different capabilities will be granted or restricted based on this qualification process. The following shows all the different partnership models we typically support with xenPlatform:

Models	Description	Capabilities
Platforms	Services merchants who want to sell their goods & services through the Platform.	Create sub-accounts and submit verification information on behalf of merchants Platform processes payments on behalf of sub-accounts and pays out funds to the merchants
Payment Gateway Resellers	Offers merchants access to payments in many countries. Uses Xendit’s payment capabilities to expand their offering.	Create sub-accounts and submit verification information on behalf of merchants Allow sub-accounts to use the master account’s payment channels to transact (inheritance) Platform processes payments on behalf of sub-accounts and pays out funds to the merchant
Channel or Distribution Partnership	Grants merchants access to Xendit’s payment capabilities and earns based on commissions or margins	Create sub-accounts and submit verification information on behalf of merchants Sub-accounts receive payments from end-customers, while the Master account charges fees using Transfers or Split payments Sub-accounts can withdraw their share to their registered bank accounts The master account itself earns fees and commissions and do not process transactions themselves

Current Capabilities & Limitations

Scenarios	Capabilities	Limitations
Create sub-accounts incorporated in: ID, PH, MY, TH, VN	Access to payment channels in the country Billed in local rates Able to receive and send funds with local currency balances	Unable to hold balances in other currencies (except USD in PH) Unable to access most payment channels in other countries
Create sub-accounts incorporated in all other countries	Access to many payment channels across our regions Billed in our standard regional rates Able to receive and send funds with multiple balances: USD, SGD, IDR, PHP, THB, VND	Some payment channels are not available to regional accounts
Fund flows between accounts	The Master account is able to receive and send funds with multiple balances: USD, SGD, IDR, PHP, THB, VND Open more balances to receive funds from matching sub-account currencies Use Split payments to automate the calculation and fund transfer between accounts Use Transfers for ad-hoc fund movements or customize the calculation and execution via API	Transfers between different currencies are not supported. Funds must be converted to the destination currency before executing a Transfer Split payments must be set between accounts with the same currency
Sub-account channel activation process	Activate more payment channels from the sub-account Dashboard	No API for channel activation
Withdrawal setup	Setup bank accounts for withdrawal from the sub-account Dashboard	No API for withdrawal
Reseller & Partnership models	Use Split payments or Transfers to charge fees to sub-accounts for every settled transaction.	All Split payments and Transfers are visible to your sub-accounts.

Roadmap

Last updated- 9th of September 2025

Released	Q4 2025	Beyond
Activate xenPlatform Create sub-accounts with optional invitation Complete verification information on behalf of sub-accounts Submit verification via API Transfer via Dashboard or API Create Split rules via API	Advanced sub-account configurations: Channel inheritance (if granted by Xendit) Webhook synchronization Invoice consolidation	Automated settlement to the Master account for earned commissions Consolidated view of transactions for one or more sub-accounts from a single Dashboard