Payment Gateways

Xendit vs Razorpay

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

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

Which should you choose?

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

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

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.