Payment Gateways

Stripe vs Xendit

Both are payment gateways. The short answer: choose Stripe if you are online businesses and SaaS companies taking card payments internationally; choose Xendit if you are businesses accepting payments in Indonesia and the Philippines.

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Stripe logo StripeXendit logo Xendit
Best forOnline businesses and SaaS companies taking card payments internationallyBusinesses accepting payments in Indonesia and the Philippines
Free planVerifyVerify
PricingSee providerSee provider
Built for IndiaGlobalGlobal
CategoriesPayment GatewaysPayment Gateways
Strengths
  • Excellent API and documentation
  • Subscriptions, invoicing and tax tools
  • Available in dozens of countries
  • Local methods like e-wallets and QRIS
  • Developer-friendly API
  • Disbursements
Watch out for
  • Pay-per-transaction fees add up at scale
  • Account reviews can delay payouts for new businesses
  • Coverage limited to SEA
  • Fees vary by method
Visit StripeVisit Xendit

Which should you choose?

Stripe: Global payments platform for accepting cards, wallets and local payment methods online, with subscriptions, invoicing and strong developer tools.

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.