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Adyen vs Xendit

Side-by-side comparison of features, pricing, ratings, and alternatives.

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Adyen
AdyenSingle platform for accepting payments, managing payouts, and embedding financial products.
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Xendit
XenditPayment gateway powering bank transfers, e-wallets, and cards across Southeast Asia.
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Overview
Description

Adyen is a global payment processing platform that lets enterprises accept payments online, in-person, and through subscriptions using a single API and dashboard. It supports over 200 local payment methods and can process payouts in more than 150 currencies for businesses operating internationally. Beyond core payment acceptance, Adyen offers embedded finance products such as card issuing and business accounts, along with risk management and fraud prevention tools built on its transaction data. It holds banking licenses in multiple regions and serves large, well-known enterprise customers across retail, travel, and digital media.

Xendit is a payment infrastructure platform for Southeast Asia, letting businesses accept and send payments through more than 100 methods including QRIS, e-wallets like OVO and GoPay, virtual accounts, and cards across Indonesia, the Philippines, Malaysia, Thailand, Vietnam, Singapore, and Hong Kong. It targets everything from e-commerce startups to large marketplaces and insurers, with no setup or monthly fees and pay-as-you-go transaction pricing.

Pricing
Contact for Pricing
Freemium
Category
Payment Processing
Payment Processing
Best for
Enterprise businesses in retail, travel, SaaS, and marketplaces
E-commerce, marketplace, and fintech businesses operating in Southeast Asia
Specifications
deployment
Cloud/SaaS
Cloud/SaaS
api available
Yes
Yes
key integrations
Major ecommerce platforms and POS systems
E-wallets, banks, e-commerce platforms, accounting tools
open source
—
No
support options
—
24/7 support, help center, dedicated account managers
Pros & Cons
Pros
  • Single platform covers online, in-store, and recurring payments
  • Extensive local payment method coverage for global sales
  • Built-in fraud and risk management tools
  • Track record with large, well-known enterprise customers
  • No setup or monthly fees, only pay per successful transaction
  • Broad regional coverage across seven Southeast Asian markets from one integration
  • Deep local payment method support, including QRIS and regional e-wallets
  • 24/7 customer support and strong regulatory licensing
Cons
  • Pricing is not published and requires direct sales contact
  • Primarily built for larger businesses rather than small merchants
  • Implementation may require developer resources to integrate fully
  • Per-transaction fees can add up for high-volume, low-margin businesses
  • Card processing fees are notably higher than local bank transfer or QR fees
  • Full fee schedule requires visiting country-specific pricing pages rather than one global page
Community & Metrics
Upvotes
0
0
User rating
Not enough data
Not enough data

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The Verdict

AI-generated from listing data

Xendit is a low‑cost, fast‑setup gateway focused on Southeast Asian e‑commerce, while Adyen is a global, enterprise‑grade platform with broader method coverage but undisclosed pricing.

Key differences

  • •Geographic focus: Xendit serves seven SE Asian markets; Adyen covers worldwide markets with 200+ methods.
  • •Pricing model: Xendit uses freemium pay‑per‑transaction; Adyen requires custom pricing via sales contact.
  • •Target size: Xendit is aimed at e‑commerce, marketplaces, fintechs; Adyen is built for large enterprises.
  • •Feature breadth: Adyen adds card‑issuing, multi‑currency payouts, and extensive fraud tools; Xendit offers QRIS, virtual accounts, BNPL.
  • •Implementation effort: Xendit promises ~5‑minute setup; Adyen may need more developer resources for full integration.
DimensionWinner

Pricing & value

Xendit is freemium pay‑per‑transaction; Adyen’s pricing is undisclosed and likely higher for enterprises.

Xendit

Ease of use / learning curve

Xendit advertises a five‑minute account setup; Adyen may require more developer effort.

Xendit

Features & depth

Adyen provides card issuing, multi‑currency payouts, and extensive fraud tools beyond Xendit’s core gateway features.

Adyen

Integrations & ecosystem

Adyen lists major e‑commerce and POS integrations globally; Xendit mentions e‑wallets, banks, accounting tools but fewer global partners.

Adyen

Support

Xendit offers 24/7 support and dedicated account managers; Adyen’s support details are not specified.

Xendit

Security & privacy

Both provide fraud detection and 3D Secure; no further security details are given.

Tie

Scalability

Adyen is positioned for enterprise scale with global payouts; Xendit targets regional merchants.

Adyen

Choose Adyen if…

Large enterprises requiring global reach, multi‑currency payouts, and advanced finance products.

Choose Xendit if…

Regional SE Asian merchants needing quick, low‑cost payment integration.

Common questions

How is pricing structured for each platform?

Xendit is freemium, charging per successful transaction; Adyen does not publish pricing and requires sales contact.

Can I use the platform for both online and in‑store payments?

Adyen supports online, in‑person, and subscription channels; Xendit focuses on online payments.

What level of fraud protection is provided?

Both include built‑in fraud detection and 3D Secure; Adyen also offers broader risk‑management tools.