Getting Started
Welcome to Xendit! We are very excited to welcome you here. To ease your process of getting started, we have prepared this page to help you navigate around many different things you may want to know when starting with Xendit.
info
Xendit is available in Indonesia 🇲🇨 and Philippines 🇵🇭
Find Your Ideal Xendit Use Cases!
| Use Cases | How Xendit Helps | Integration Type Options | Product Fit |
|---|---|---|---|
| Social Seller (Facebook seller, Instagram seller) | Help you to accept payment from multiple channels using shareable Xendit checkout link | - Dashboard Operation - Checkout Payment Link | Payment Link |
| Non-Profit Organization (Donation, Recurring Payment) | 1. Help you to collect the fund from multiple payment within 1 persistent payment link with closed or open amount. Suitable for the use case of donation and on demand payment 2. Helps you to create one recurring billing to auto charge your payer according to your preferred recurring billing cycle | - Dashboard Operation - Checkout Payment Link - API Integration | 1. Multiple Payment Link 2. Recurring Payment |
| E-commerce & Retail | 1. Help you to accept payment from multiple channels without changing your tailored checkout experience 2. Connect your e-commerce platform to Xendit using plug and play plugin | - API Integration - Third-party Platform (Shopify, WooCommerce, Wix, Ecwid, Sirclo, Magento, etc.) | xenPayment |
| SaaS | 1. Help you to accept payment from multiple channels without changing your tailored checkout experience 2. Help you to create one recurring billing to auto charge your payer according to your preferred recurring billing cycle 3. Enable your customer to accept payments within your platform | API Integration | 1. xenPayment 2. Recurring Payment 3. xenPlatform |
| Platforms | 1. Enable your customer to accept payments within your platform 2. Help you transfer money/balance to your customer within your platform 3. Help you to send money to your end users bank accounts (up to 140+ destination bank and e-wallets supported) | API Integration | 1. xenPlatform 2. xenDisburse |
| Payroll and HR Platform | 1. Help you to send money to your end users bank accounts (up to 140+ destination bank and e-wallets supported) 2. Help you to send money to up to 10,000 destination bank accounts through one Excel sheet upload | - API Integration - Dashboard Operation | 1. xenDisburse 2. xenBatch |
| Educational Institution & Edutech Platform | 1. Help you to accept the tuition fee from students without having to do manual reconciliation 2. Help you to create an automated charge recurring billing for the tuition fee of your students according to the preferred recurring billing cycle 3. Enable your branch school to accept payments within your platform | - Dashboard Operation - API Integration | 1. xenPayment 2. Recurring Payment 3. xenPlatform |
| Micro e-commerce Seller | Help you to accept payment from multiple payment channels using Xendit checkout payment link that is shareable through WhatsApp, SMS, email, social media and etc *Applicable for seller from micro e-commerce platform such as marketplace, tokko.io, toko.ly, Sakoo.id, etc | - Dashboard Operation - Checkout Payment Link | Payment Link |
| Insurance | 1. Help you to accept regular payment from multiple payment channel 2. Help you to create a recurring billing to auto charge your customer in preferred cycle 3. Help you to send money for claims to your end user's bank accounts to single or up to 10,000 destination bank accounts through an excel sheet upload 4. Connect your business platform to Xendit using plug and play plugin | - Dashboard Operation - API Integration - Third-party Platform (Shopify, WooCommerce, Wix, Ecwid, Sirclo, Magento, etc.) | 1. xenPayment 2. xenDisburse 3. xenBatch |
| Travel & Tourism | 1. Help you to accept payment from multiple channels without changing your tailored checkout experience and ease the booking experience in end user 2. Help you to send money to your end users bank accounts (up to 140+ destination bank and e-wallets supported) or through an excel sheet upload 3. Enable your branch business (hotel, vila, etc) to accept payments within your platform 4. Connect your business platform to Xendit using plug and play plugin | - Dashboard Operation - API Integration - Third-party Platform (Shopify, WooCommerce, Wix, Ecwid, Sirclo, Magento, etc.) | 1. xenPayment 2. xenDisburse 3. xenBatch 4. xenPlatform |
| Entertainment (movie, event, etc) | 1. Help you to accept payment from multiple payment channels such as QR Code, e-wallet, paylater, etc 2. Help your customer to have a seamless yet simple checkout experience using a shareable Xendit checkout payment link | - Dashboard Operation - Checkout Payment Link - API Integration | 1. xenPayment 2. Payment Link |
| Logistic | 1. Help you to accept payment from multiple payment channels using shareable Xendit checkout payment link or through your tailored checkout experience 2. Connect your business platform to Xendit using plug and play plugin | - API Integration - Third-party Platform (Shopify, WooCommerce, Wix, Ecwid, Sirclo, Magento, etc.) | 1. xenPayment 2. Payment Link |
If you have another use cases, you can reach out to our CS team at help@xendit.co or contact our Sales team here to understand more about what Xendit product is best for your business.
Note:
Xendit has restricted business categories to be onboarded and use the product. Check the information below to see if your business category is eligible:
- For Indonesia: Point no 11 in ID Terms and Condition
- For Philippines: Point no 10 in PH Terms and Condition
Xendit Products
Accepting Payments
Xendit can help you accept payments from the following channels
Indonesia 🇲🇨
| Product Name | Available For |
|---|---|
| Virtual Account* (BNI, BNI Syariah, Mandiri, BRI, Permata, BCA*, CIMB*, BSS, BSI, and BJB) | Individual, Sole Proprietorship, Business Entity, and Foreign Business |
| Retail Outlet (Alfamart) | Individual, Sole Proprietorship, Business Entity, and Foreign Business |
| Credit Cards* (VISA, Mastercard, JCB, American Express) | Business Entity, Sole Proprietorship |
| Ewallets (OVO, DANA, LinkAja, ShopeePay, AstraPay) | Individual, Sole Proprietorship, Business Entity, and Foreign Business |
| Paylater (Kredivo, Akulaku, Uangme, Indodana, Atome) | Individual, Sole Proprietorship, Business Entity |
| QRIS | Individual, Business Entity, and Foreign Business |
| Direct Debit (BRI) | Individual, Business Entity, and Foreign Business |
Note:
- Instant VA settlement is currently not available for micro e-commerce merchant however T+7 settlement will be applied
- BCA VA, CIMB VA, Akulaku, Uangme, Indodana, and Atome are currently only available for Business Entity
- Credit Cards eligibility is subject to our internal team risk assessment of your business
Philippines 🇵🇭
| Product Name | Available For |
|---|---|
| Retail Outlet (7-Eleven, Cebuana, Palawan Express, M Lhuillier, ECPay Loans, LBC, CVM, and RD Pawnshop) | Individual, Sole Proprietorship, Partnership, Corporation, Foreign Business (SEC and Non-SEC Registered) |
| Credit Cards* (VISA, Mastercard, and JCB) | Individual, Sole Proprietorship, Partnership, Corporation, Foreign Business (SEC Registered) |
| Ewallets (Paymaya, Grabpay, Gcash, and Shopeepay) | Individual, Sole Proprietorship, Partnership, Corporation, Foreign Business (SEC and Non-SEC Registered) |
| Paylater (Billease, Cashalo*) | Sole Proprietorship, Partnership, Corporation, Foreign Business (SEC and Non-SEC Registered) |
| Direct Debit (UBP and BPI) | Individual, Sole Proprietorship, Partnership, Corporation, Foreign Business (SEC and Non-SEC Registered) |
Note:
- Credit Cards eligibility is subject to our internal team assessment of your business
- Cashalo is not available for any Foreign Business
Sending Payments
Xendit can help you send payments to multiple bank account destinations and ewallets
Indonesia 🇮🇩
| Product Name | Available For |
|---|---|
| Disbursement | Individual, Sole Proprietorship, Business Entity, and Foreign Business |
| Batch Disbursement | Individual, Sole Proprietorship, Business Entity, and Foreign Business |
| Payout | Individual, Sole Proprietorship, Business Entity, and Foreign Business |
Philippines 🇵🇭
| Product Name | Available For |
|---|---|
| Disbursement | Individual, Sole Proprietorship, Partnership, Corporation, Foreign Business (SEC and Non-SEC Registered) |
| Batch Disbursement | Individual, Sole Proprietorship, Partnership, Corporation, Foreign Business (SEC and Non-SEC Registered) |
Standard Pricing
Indonesia 🇮🇩
| Product | Fee Type | Standard Fee Rate |
|---|---|---|
| Virtual Account - Aggregator | Fixed fee | IDR 4,000 |
| Virtual Account - Switcher | Fixed fee + Bank fee* | IDR 2,000 + {...} |
| 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% (AstraPay) 1.5% - 3.15% (LinkAja) 1.5% - 3.18% (OVO) 1.8% - 3.60% (ShopeePay) |
| Paylater | Percentage fee | 1.7% (Akulaku) 5% (Atome) 1.75% (Indodana) 2.3% (Kredivo) 1.8% (UangMe) |
| QRIS | Percentage fee | 0.63% |
| Direct Debit | Fixed fee Percentage fee | 1.9% (BRI) IDR 4,500 (Mandiri) IDR 2,500 + Bank fee* (BCA KlikPay - Switcher) |
| Disbursements | Fixed fee | IDR 5,000 |
Note:
- Bank fee is applied for Virtual Account - Switcher & Direct Debit - Switcher and determined by each bank based on direct agreements between the merchant and the bank.
Philippines 🇵🇭
| Product | Fee Type | Standard Fee Rate |
|---|---|---|
| Retail Outlet (Over-the-counter) | Fixed fee / Percentage fee | PHP 15 or 1.5% whichever is higher (7-Eleven) PHP 25 (Cebuana, LBC, RD Pawnshop) 1.5% or PHP 25 (ECPay Loans & ECPay School) PHP 20 (M Lhuillier, Palawan Express, USSC, 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 / Percentage fee | PHP 15 or 1% (whichever is higher) |
| Disbursements | Fixed fee | PHP 10 |
Was this page helpful?