Fees and VAT
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. The table below gives the latest standard fees being applied across the products on offer,
Indonesia 🇮🇩
| Product | Fee Type | Standard Fee Rate |
|---|---|---|
| Virtual Account - Aggregator | Fixed fee | IDR 4,000 |
| Virtual Account - Switcher | Fixed fee | IDR {...} + IDR 2,000 IDR {...} + IDR 5,000 (DBS) |
| Retail Outlet | Fixed fee / Percentage fee | IDR 5,000 (Alfamart) IDR 5,000-10,000 or 1.5% - depends on industry (Indomaret) |
| Credit Cards - Aggregator | Fixed fee + Percentage fee | IDR 2,000 + 2.9% |
| Credit Cards - Switcher | Fixed fee + Percentage fee | IDR 2,000 + 2.9% |
| Ewallet | Percentage fee | 1.5% (Dana) 1.5% 1.5% (AstraPay) (LinkAja) 1.5% - 3.5% (OVO) |
| Paylater | Percentage fee | 1.7% (Akulaku) 5% (Atome) 1.75% (Indodana) 2.3% (Kredivo) 1.8% (UangMe) |
| QRIS | Percentage fee | 0.63% |
| Direct Debit | Percentage fee | 1.9% |
| Disbursements | Fixed fee | IDR 5,000 |
Note: For Virtual Account - switcher product e.g. BCA VA, there will be a separately agreed fee between merchant and bank.
Philippines 🇵🇭
| Product | Fee Type | Standard Fee Rate |
|---|---|---|
| Retail Outlet (Over-the-counter) | Fixed fee / Percentage fee | PHP 15 (7-Eleven) PHP 25 (Cebuana) 1.5%/PHP 25 (ECPay Loans & ECPay School) PHP 20 (M Lhuillier, Palawan Express, LBC, RD Pawnshop, CVM) |
| Credit Cards - Aggregator | Fixed fee + Percentage fee | PHP 10 + 3.2% (Local Cards) PHP 10 + 4.2% (Internationally-issued cards charged in PHP) USD 1 + 4% (Cards charged in USD) |
| Ewallet | Percentage fee | 2.3% (Gcash) 1.8% (Paymaya) 2% (Grabpay) 2% (ShopeePay) |
| Paylater | Percentage fee | 1.5% (Billease) 1.6% (Cashalo) |
| Direct Debit | Fixed Fee or Percentage fee | PHP 15 or 1% (whichever is higher) |
| Disbursements | Fixed fee | 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) to in order to apply for the tax exemption**(Note: Documentation will be required)
FAQs
Q: For 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
Q: For 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 to 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
Q: 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 Agent 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