Payment Gateways

Razorpay vs Xendit

Both are payment gateways. The short answer: choose Razorpay if you are online businesses and startups wanting a developer-friendly gateway; choose Xendit if you are businesses accepting payments in Indonesia and the Philippines.

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Razorpay logo RazorpayXendit logo Xendit
Best forOnline businesses and startups wanting a developer-friendly gatewayBusinesses accepting payments in Indonesia and the Philippines
Free planVerifyVerify
PricingSee providerSee provider
Built for IndiaYesGlobal
CategoriesPayment GatewaysPayment Gateways
Strengths
  • Wide payment method support
  • Payment links without a website
  • Good developer documentation
  • Local methods like e-wallets and QRIS
  • Developer-friendly API
  • Disbursements
Watch out for
  • Fees and settlement terms vary by business type
  • KYC approval required
  • Coverage limited to SEA
  • Fees vary by method
Visit RazorpayVisit Xendit

Which should you choose?

Razorpay: Payment gateway with UPI, cards, netbanking and wallets, plus payment links, pages, subscriptions and invoices.

Xendit: Payment gateway for South-East Asia with bank transfers, e-wallets, cards and QR payments.

The best way to decide is to run the same week of real work through both — most offer a free plan or trial — and compare how long tasks take, what your team prefers, and the total cost for your number of users including renewal pricing.

Not sure either fits? See all payment gateways compared.