Fees & Taxes

Product fees

All products in Xendit have fees that are applied to the processing of those transactions. There are different fee types and fee ranges depending on the product being used. For better visibility on how fees and VAT (value-added tax) are applied in your transaction, check the Xendit calculator feature below:

The section below gives the latest standard fees being applied across the products on offer.

Indonesia 🇮🇩

Virtual Account - Aggregator

  • Fee Type: Fixed fee
  • Standard Fee Rate: IDR 4,000

Virtual Account - Switcher

  • Fee Type: Fixed fee + Bank fee
  • Standard Fee Rate
    IDR 2,000 + Bank fee*
    IDR 5,000 (DBS) + Bank fee*

    * Bank fees are determined by each bank and are based on direct agreements between the merchant and the bank

Retail Outlet

  • Fee Type: Fixed fee / Percentage fee
  • Standard Fee Rate
    IDR 5,000 (Alfamart)
    IDR 5,000-10,000 or 1.5% - (Indomaret)*

    * Price will be determined by Indomaret based on the business industry

Credit Cards - Aggregator

  • Fee Type: Fixed fee / Percentage fee
  • Standard Fee Rate: IDR 2,000 + 2.9%

Credit Cards - Switcher

  • Fee Type: Fixed fee / Percentage fee
  • Standard Fee Rate: IDR 2,000 + Bank Fee Rate

Ewallet

  • Fee Type: Percentage fee
  • Standard Fee Rate
    • 1.5% (DANA)
    • 1.5% (AstraPay)
    • 2% (JeniusPay)
    • 1.5% - 3.18% (OVO)
      • 2.73% OVO for Indonesian Digital Content Merchants
      • 3.18% OVO for Foreign Digital Content Merchants
    • 2% - 4% (ShopeePay)
      • 2% ShopeePay for Retail Merchants (inclusive of VAT)
      • 4% ShopeePay for Gaming, Content, and Digital Products Merchants (inclusive of VAT)
    • 1.5% - 3.15% (LinkAja)
      • 2.7% LinkAja for Indonesian Gaming, Content, and Digital Products Merchants
      • 3.15% LinkAja for Foreign Gaming, Content, and Digital Products Merchants
      • 1.5% LinkAja for all other merchants

Paylater

  • Fee Type: Percentage fee
  • Standard Fee Rate
    1.7% (Akulaku)
    5% (Atome)
    1.75% (Indodana)
    2.3% (Kredivo)
    1.8% (UangMe)

QRIS

  • Fee Type: Percentage fee
  • Standard Fee Rate: 0.7% (inclusive of VAT)

Direct Debit

  • Fee Type: Percentage fee + Bank fee
  • Standard Fee Rate
    1.9% (BRI)
    IDR 4.500 (Mandiri)
    IDR 2.500 + Bank fee (BCA KlikPay - Switcher)*

    * Bank fees are determined by each bank and are based on direct agreements between the merchant and the bank.

Disbursements

  • Fee Type: Fixed fee
  • Standard Fee Rate: IDR 5,000

VAT

Xendit is a PKP company (PKP means that the company is obliged to pay tax to the Government). Therefore, Xendit will send Tax Invoice (Faktur Pajak) for every issued invoice. Tax Invoice is proof that Xendit has charged VAT to Merchants. Merchants do not need to pay the Tax Invoice since it’s already included in the Invoice.

Withholding Tax (PPh 23)

INFO

All Xendit services are subjected to PPh23

Regarding the Invoice Status and Tax Slip (Bukti Potong), to streamline the payment experience for you, going forward, we would like to propose the following flow:

  • Xendit sends the invoice to Merchants
  • Merchants settle the invoice in the FULL amount
  • Merchants pay 2% of PPh 23 to the government. (Please refer to our company information below)
  • Merchants send us the original tax slip (Bukti Potong​) using a traceable courier such as JNE / TIKI / etc. to our mailing address
  • Merchants send us scanned copies of tax slips and the courier receipt for proof of dispatch to finance-indonesia@xendit.co​
  • Once the original tax slip is received we will proceed to reimburse the 2% Tax To Your Xendit Dashboard within two working days
  • The invoice will be cleared

Below is our company information to fill in in the tax slip (​Bukti Potong​) :

  • Company name : PT Sinar Digital Terdepan
  • NPWP : 76.527.674.6-064.000
  • Address : Grand Panglima Polim Kav 78, Jl. Panglima Polim Raya No.16-17, Pulo, Kebayoran Baru, Jakarta Selatan, Indonesia 12160

Address information to send the original tax slip (​Bukti Potong​) :

  • UP: Finance – Accounting
  • Address :
    Gedung Victoria lt. 7 , Jl. Sultan Hasanudin No.47-51, RT.6/RW.2, Melawai, Kec. Kby. Baru, Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12160

Philippines 🇵🇭

Retail Outlet

  • Fee Type: Fixed fee / Percentage fee
  • Standard Fee Rate
    PHP 15 or 1.5% (7-Eleven) whichever is higher
    PHP 25 (Cebuana, LBC, RD Pawnshop)
    1.5% (ECPay)
    PHP 25 (ECPay - Lending or Loan payments)
    PHP 20 (CVM, M Lhuillier, Palawan, USSC)

Credit Cards - Aggregator

  • Fee Type: Fixed fee + Percentage fee
  • Standard Fee Rate
    PHP 10 + 3.2% (Local Cards)
    PHP 10 + 4.2% (Internationally-issued cards charged in PHP)
    USD 1 + 4% (Cards charged in USD)

Ewallet

  • Fee Type: Percentage fee
  • Standard Fee Rate
    2.3% (Gcash)
    1.8% (Maya)
    2% (Grabpay)
    2% (ShopeePay)

Paylater

  • Fee Type: Percentage fee
  • Standard Fee Rate
    1.5% (Billease)
    1.6% (Cashalo)

Direct Debit

  • Fee Type: Fixed Fee or Percentage fee
  • Standard Fee Rate
    PHP 15 or 1% whichever is higher

Disbursements

  • Fee Type: Fixed fee
  • Standard Fee Rate: PHP 10

Aggregator and Switcher have different fund flow

For more information or to reach Sales, please visit this page

VAT collected by Xendit

As Xendit is registered as a PKP (Pengusaha Kena Pajak) entity, it designates the responsibility of collecting taxes from our customers on us. This means that for every transaction that has a fee applied to the transaction, the taxes will be added on top of the fee amount when the billing amount is settled (which depends on the deduction type of the product).

In Indonesia, the value-added tax is called PPN (Pajak Pertambahan Nilai) and it is a set rate of 11% (as of April 1st, 2022) on top of the fees incurred to process the transaction. Certain industries are exempted from this PPN rate, and if you are operating in one of those industries please reach out to your AM or our finance department (finance-indonesia@xendit.co) in order to apply for the tax exemption**(Note: Documentation will be required)

FAQs

For the Philippines market, what would be the basis of fee computation of periodic billing (i.e., month)?
  • For Direct Billing: Merchants can refer to the Balance History Tab in their Dashboard to download Date ranges relative to the period they want to confirm or record. We recommend that you create a pivot table considering these items: Line Type, Amount
  • For Indirect Billing: Merchants can refer to the Billing Statement provided to them
For the Philippines market, how to withhold from Xendit fees?
  • For Direct Billing: Merchants can compute the withholding tax based on the fees captured in the above FAQ and multiply it by the applicable withholding tax rate. Typically it is 2% with ATC either WC120 or WC160.
  • Provide to our Customer Success team via help@xendit.ph. the 2307 with the following details:
    • Company Name: Xendit Philippines Inc.
    • Address:
      Ignition Venture Studio
      North Penthouse Marajo Tower
      312, 26th St. Cor. 4th Ave.
      Bonifacio Global City, Fort Bonifacio, Taguig City 1634.
      TIN: 010- 429-507-000
For Philippines market, when will the official receipt be available?

Usually, official receipts (ORs) will be processed within the 3rd week of the following month (i.e., OR for January transactions will be available by 3rd week of February). In this regard, we encourage you to send your request and follow-up within that week to our Customer Success team via help@xendit.ph.

For Top Withholding Agents who are required to withhold taxes, please provide the 2307 on the 2nd week of the following month when the fee is billed for us to have time to validate

Last Updated on 2023-06-23