Overview
Through many years, Southeast Asia has been a fast-growing and emerging market with a high rate of adopted digital payment. The significant growth initiates many payment methods offer such as Credit cards, Virtual Accounts, Direct debit, or Ewallet. Depending on your target market, you may need to integrate more than one of these payment methods to increase your conversion rate. Moreover, Xendit has supported you by providing at least 9 payment methods you may offer to your customer, find all the payment methods documentation here.
However, with all the payment methods options, this leads to another problem where some merchants are having difficulty integrating all the payment methods one by one. Hence, Xendit offers you a solution through Payments API. This documentation would help you to understand why you need to use payments API, how payments API works, and how to use payments API.
Why do we need to use Payments API?
To have higher conversion rates, you always try to offer some payment methods for your customer. In existing integration, every money-in product (e-wallet, virtual account, direct debit, cards, etc) has different cases, flows, endpoints, and code behavior, hence it would be taking a lot of development resources, time, and effort when your company wants to enable additional payment option to your customer.
Payments API helped you to have seamless integration into all payment methods and channels by unifying them into only 3 payment integration flow (account linking, payment request, and refund). By using this payments API, you will able to:
- Fully customizable & Flexibility: Provide the freedom to implement your preferred UI/UX by getting all the data and flow from our API.
- Integration journey is based on the desired actions: You are able to complete a payment flow by calling one endpoint only and follow the required action stated in the response.
- Predictable responses and error codes across products: Organized error and failure codes that are ensured to be consistent across products.
- Minimal code change for new products and channels: By using 3 basic API endpoints, you will be able to integrate all money in and refund integration. It will be easier for you to integrate many payment methods by minimum code changing.
Use Case
Supported Product & Channels
Xendit offers integration with money-in products, via API. Find out our money-in product and channel that is supported by payments API.
E-wallet
The following channels are supported for payment method type EWALLET. For more information about e-wallet channels, you may visit our docs page.
| Country | CHANNEL NAME | CHANNEL_CODE | ONE_TIME_USE | MULTIPLE_USE |
|---|---|---|---|---|
| 🇮🇩 ID | DANA | DANA | ✅ | ✅ |
| 🇮🇩 ID | LinkAja | LINKAJA | ✅ | ✅ |
| 🇮🇩 ID | OVO | OVO | ✅ | ✅ |
| 🇮🇩 ID | ASTRAPAY | ASTRAPAY | ✅ | ❌ |
| 🇮🇩 ID | JENIUSPAY | JENIUSPAY | ✅ | ❌ |
| 🇮🇩 ID | ShopeePay | SHOPEEPAY | ✅ | ✅ |
| 🇵🇭 PH | GrabPay | GRABPAY | ✅ | ✅ |
| 🇵🇭 PH | GCash | GCASH | ✅ | ❌ |
| 🇵🇭 PH | Maya (PayMaya) | PAYMAYA | ✅ | ✅ |
| 🇵🇭 PH | ShopeePay | SHOPEEPAY | ✅ | ✅ |
| 🇻🇳 VN | Appota | APPOTA | ✅ | ❌ |
| 🇻🇳 VN | Momo | MOMO | ✅ | ❌ |
| 🇻🇳 VN | ShopeePay | SHOPEEPAY | ✅ | ❌ |
| 🇻🇳 VN | VNPT Pay | VNPTWALLET | ✅ | ❌ |
| 🇻🇳 VN | ViettelPay | VIETTELPAY | ✅ | ❌ |
| 🇻🇳 VN | ZaloPay | ZALOPAY | ✅ | ❌ |
| 🇹🇭 TH | WechatPay | WECHATPAY | ✅ | ❌ |
| 🇹🇭 TH | LINE Pay | LINEPAY | ✅ | ❌ |
| 🇹🇭 TH | ShopeePay | SHOPEEPAY | ✅ | ❌ |
| 🇹🇭 TH | TrueMoney | TRUEMONEY | ✅ | ❌ |
| 🇲🇾 MY | Touch n Go | TOUCHNGO | ✅ | ✅ |
| 🇲🇾 MY | ShopeePay | SHOPEEPAY | ✅ | ✅ |
| 🇲🇾 MY | GrabPay | GRABPAY | ✅ | ✅ |
Direct Debit
The following channels are supported for payment method type DIRECT_DEBIT. You may visit our docs page for more information about direct debit channels.
| Country | CHANNEL NAME | CHANNEL_CODE | ONE_TIME_USE | MULTIPLE_USE |
|---|---|---|---|---|
| 🇲🇨 ID | BRI | BRI | ✅ | ✅ |
| 🇲🇨 ID | MANDIRI | MANDIRI | ✅ | ✅ |
| 🇵🇭 PH | BPI | BPI | ✅ | ✅ |
| 🇵🇭 PH | RCBC | RCBC | ✅ | ✅ |
| 🇵🇭 PH | Unionbank | UNIONBANK | ✅ | ✅ |
| 🇵🇭 PH | Chinabank | CHINABANK | ✅ | ✅ |
| 🇹🇭 TH | Siam Commercial Bank | SCB | ✅ - Mobile Banking | ✅ |
| 🇹🇭 TH | Bangkok Bank | BBL | ✅ - Mobile Banking | ✅ |
| 🇹🇭 TH | Krungthai Bank | KTB | ✅ - Mobile Banking | ✅ |
| 🇹🇭 TH | Bank of Ayudhya | BAY | ✅ - Mobile Banking | ✅ |
| 🇹🇭 TH | Kasikorn Bank | KBANK_MB | ✅ - Mobile Banking | ❌ |
| 🇲🇾 MY | Affin Bank | AFFIN_FPX | ✅ | ✅ |
| 🇲🇾 MY | AGRONet | AGRO_FPX | ✅ | ✅ |
| 🇲🇾 MY | Alliance Bank (Personal) | ALLIANCE_FPX | ✅ | ✅ |
| 🇲🇾 MY | AmBank | AMBANK_FPX | ✅ | ✅ |
| 🇲🇾 MY | Bank Islam | ISLAM_FPX | ✅ | ✅ |
| 🇲🇾 MY | Bank Muamalat | MUAMALAT_FPX | ✅ | ✅ |
| 🇲🇾 MY | Bank Of China | BOC_FPX | ✅ | ✅ |
| 🇲🇾 MY | Bank Rakyat | RAKYAT_FPX | ✅ | ✅ |
| 🇲🇾 MY | BSN | BSN_FPX | ✅ | ✅ |
| 🇲🇾 MY | CIMB Clicks | CIMB_FPX | ✅ | ✅ |
| 🇲🇾 MY | Hong Leong Bank | HLB_FPX | ✅ | ✅ |
| 🇲🇾 MY | HSBC Bank | HSBC_FPX | ✅ | ✅ |
| 🇲🇾 MY | KFH | KFH_FPX | ✅ | ✅ |
| 🇲🇾 MY | Maybank2E | MAYB2E_FPX | ✅ | ✅ |
| 🇲🇾 MY | Maybank2u | MAYB2U_FPX | ✅ | ✅ |
| 🇲🇾 MY | OCBC Bank | OCBC_FPX | ✅ | ✅ |
| 🇲🇾 MY | Public Bank | PUBLIC_FPX | ✅ | ✅ |
| 🇲🇾 MY | RHB Bank | RHB_FPX | ✅ | ✅ |
| 🇲🇾 MY | Standard Chartered | SCH_FPX | ✅ | ✅ |
| 🇲🇾 MY | UOB Bank | UOB_FPX | ✅ | ✅ |
| 🇲🇾 MY | Affin Bank B2B | AFFIN_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | AGRONetBIZ | AGRO_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | Alliance Bank (Business) | ALLIANCE_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | AmBank | AMBANK_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | Bank Islam | ISLAM_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | Bank Muamalat | MUAMALAT_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | BNP Paribas | BNP_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | CIMB Bank | CIMB_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | Citibank Corporate Banking | CITIBANK_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | Deutsche Bank | DEUTSCHE_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | Hong Leong Bank | HLB_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | HSBC Bank | HSBC_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | i-bizRAKYAT | RAKYAT_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | KFH | KFH_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | Maybank2E | MAYB2E_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | OCBC Bank | OCBC_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | Public Bank PB enterprise | PUBLIC_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | RHB Bank | RHB_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | Standard Chartered | SCH_FPX_BUSINESS | ✅ | ✅ |
| 🇲🇾 MY | UOB Regional | UOB_FPX_BUSINESS | ✅ | ✅ |
Over-the-Counter/Retail Outlet
The following channels are supported for payment method type OVER_THE_COUNTER. You may visit our docs page for more information about over-the-counter or retail outlet channels.
| Country | CHANNEL NAME | CHANNEL_CODE | ONE_TIME_USE | MULTIPLE_USE | Support Open Amount? |
|---|---|---|---|---|---|
| 🇲🇨 ID | Alfamart | ALFAMART | ✅ | ✅ | ❌ |
| 🇲🇨 ID | Indomaret | INDOMARET | ✅ | ✅ | ❌ |
| 🇵🇭 PH | 7-Eleven via 7-Connect Code | 7ELEVEN | ✅ | ❌ | ❌ |
| 🇵🇭 PH | RCBC | RCBC | ✅ | ✅ | ✅ |
| 🇵🇭 PH | 7-Eleven via CliQQ | 7ELEVEN_CLIQQ | ✅ | ✅ | ✅ |
| 🇵🇭 PH | Cebuana Lhuillier | CEBUANA | ✅ | ✅ | ✅ |
| 🇵🇭 PH | ECPay | ECPAY | ✅ | ✅ | ✅ |
| 🇵🇭 PH | Palawan Express | PALAWAN | ✅ | ✅ | ✅ |
| 🇵🇭 PH | MLhuillier | MLHUILLIER | ✅ | ✅ | ✅ |
| 🇵🇭 PH | ECPay via Dragonloan¹ | ECPAY_DRAGONLOAN | ✅ | ✅ | ✅ |
Virtual Account
The following channels are supported for payment method type VIRTUAL_ACCOUNT. For more information about virtual accounts, you may visit our docs page.
| Country | CHANNEL NAME | CHANNEL_CODE | ONE_TIME_USE | MULTIPLE_USE |
|---|---|---|---|---|
| 🇲🇨 ID | BCA | BCA | ✅ | ✅ |
| 🇲🇨 ID | BJB | BJB | ✅ | ✅ |
| 🇲🇨 ID | BNI | BNI | ✅ | ✅ |
| 🇲🇨 ID | BRI | BRI | ✅ | ✅ |
| 🇲🇨 ID | BSI | BSI | ✅ | ✅ |
| 🇲🇨 ID | BSS (BANK SAHABAT SAMPOERNA) | BSS (BANK SAHABAT SAMPOERNA) | ✅ | ✅ |
| 🇲🇨 ID | CIMB | CIMB | ✅ | ✅ |
| 🇲🇨 ID | MANDIRI | MANDIRI | ✅ | ✅ |
| 🇲🇨 ID | PERMATA | PERMATA | ✅ | ✅ |
| 🇻🇳 VN | PV | PV | ❌ | ✅ |
| 🇻🇳 VN | VIET CAPITAL | VIETCAPITAL | ❌ | ✅ |
| 🇻🇳 VN | WOORI | WOORI | ❌ | ✅ |
| PH | InstaPay / PESONet | BANK_TRANSFER | ❌ | ✅ |
QR Code
The following channels are supported for payment method type QR_CODE. You may visit our docs page for more information about QR Code payments.
| Country | CHANNEL NAME | CHANNEL_CODE | ONE_TIME_USE | MULTIPLE_USE |
|---|---|---|---|---|
| 🇮🇩 ID | QRIS via DANA | DANA | ✅ | ✅ |
| 🇵🇭 PH | QRPH via RCBC | RCBC | ✅ | ✅ |
| 🇹🇭 TH | PromptPay | PROMPTPAY | ✅ | ✅ |
Card
The following channels are supported for payment method type CARD. You may visit our docs page for more information about Card payments.
| Country | Currencies |
|---|---|
| 🇮🇩 ID | Indonesian Rupiah (IDR) |
| 🇵🇭 PH | - Philippines Peso (PHP) - United States Dollar (USD) |
Activation
Registration and Activation of Xendit Payment have never been easier. Before integrating, make sure to follow the initial process by signing up for a Xendit account and following our KYC instructions, you may need to follow the guidance in Getting started section.
After you sign up through the Xendit dashboard, you will be directly able to test out without using real money, this would be helpful for you to understand the payments API flow. Please follow these steps before you start testing the payments API.
Before integrating into the production environment, please refer to the follow-up instructions to start accepting money for every product type.
After completing the activation process, feel free to contact Xendit CS - ID (help@xendit.co) or PH (help@xendit.ph) or your Account Manager to request using payments API.
Last Updated on 2024-08-08