Stripe vs Xendit

Stripe is a comprehensive suite of payment APIs and financial services that enables businesses to accept online and in-person payments globally. It provides the robust tools necessary to handle credit cards, digital wallets, recurring billing, and complex marketplace payouts securely. Designed for developers and modern enterprises alike, Stripe streamlines financial operations by automating revenue management, fraud detection, and financial reporting. Its modular architecture allows companies to scale from simple checkout pages to fully customized global payment flows.

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.

• Extensive and developer-friendly documentation with robust APIs
• Supports a massive array of global payment methods and currencies
• Advanced built-in fraud detection tools
• Highly scalable infrastructure for businesses of any size

• 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

• Transaction processing fees can be high for low-volume sellers
• Account suspensions and payout holds can happen unexpectedly for high-risk businesses
• Customer support can be difficult to reach for complex account issues

• 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