Xendit Payment Gateway Indonesia: Fees, Features, and Honest Comparison

Rp 4,000 per transfer. 2.9% per card swipe. That’s Xendit’s pricing in Indonesia.

What Does Xendit Charge Per Transaction in Indonesia?

Xendit is a Bank Indonesia-licensed payment gateway that charges Rp 4,000 per virtual account / bank transfer transaction, 2.90% + Rp 2,000 per card transaction, and 0.70% for QRIS in Indonesia, per Xendit’s official pricing page. All fees exclude 11% VAT unless noted. QRIS fees are VAT-inclusive. Standard settlement is H+2 (2 business days).

The Xendit payment gateway makes those headline numbers simple. The details — e-wallet tiers, VAT treatment, and BNPL rates — require a closer look.

Here is the complete fee comparison between Xendit and Midtrans, the two most widely-used payment gateways among Indonesian ecommerce sellers. Fees verified May 2026 from each provider’s official pricing pages.

*QRIS 0.70% is inclusive of 11% VAT per Bank Indonesia regulation. All other fees exclude VAT.
†OVO: 1.50% for retail merchants; up to 3.18% for foreign digital content merchants.
‡DANA: 1.50% for PIN-authenticated transactions; 3.00% for non-PIN / recurring.
Fees sourced from xendit.co/en-id/pricing and midtrans.com/pricing. Verified May 2026.

The fees are identical for the two methods that drive most Indonesian ecommerce volume: bank transfer and card.

Where they diverge: GoPay routing (QRIS vs direct), e-wallet tiers, and early settlement availability.

What Payment Methods Does Xendit Support in Indonesia?

Xendit supports 100+ payment methods in Indonesia through a single API integration, covering all major e-wallets (OVO, DANA, LinkAja, ShopeePay, GoPay via QRIS), virtual accounts at 11 banks, QRIS, cash payments at Indomaret and Alfamart, direct debit, and five PayLater/BNPL providers, per Xendit’s payment methods page.

Indonesian buyers pay four ways at scale: bank transfer (virtual account), e-wallet, card, and cash at convenience stores. A smaller segment uses PayLater for higher-ticket items.

Xendit covers all of these. Cash-on-delivery (COD) handling sits with your logistics partner, not your payment gateway — no gateway in Indonesia processes that.

E-wallets (Xendit rates, retail merchants):

• OVO: 1.50%
• DANA: 1.50% (PIN transactions)
• LinkAja: 1.50%
• ShopeePay: 2.00%
• AstraPay: 1.50%
• JeniusPay: 2.00%
• QRIS: 0.70% — accepts GoPay, OVO, BRI Mobile, and all Bank Indonesia-compliant wallets via one QR

Virtual accounts / bank transfer (Rp 4,000): BRI, BNI, BCA, Mandiri, Permata, CIMB, BSI, Danamon, BTN, NOBU, and SeaBank.

PayLater / BNPL available through Xendit:

• Akulaku PayLater: 1.70%
• Kredivo: 2.30%
• Indodana: 2.30%
• UangMe: 1.80%
• Atome: 5.00%

One important note on BNPL: Atome’s 5.00% fee is high compared to Kredivo’s 2.30%. If BNPL is a meaningful part of your sales, evaluate the direct merchant programs separately. The Kredivo Seller guide covers Kredivo’s direct merchant rates, settlement timing, and platform coverage in detail — the direct program rates may differ from what Xendit aggregates.

How Does Xendit Compare to Midtrans for Indonesian Ecommerce?

Xendit and Midtrans charge identical fees for bank transfer (Rp 4,000) and card (2.90% + Rp 2,000), the two methods that drive the majority of Indonesian ecommerce volume. Xendit differentiates on developer API quality, early settlement access, and cross-border payout capabilities. Midtrans has a larger Indonesian merchant base and direct GoPay integration at 2.00%.

For most independent ecommerce sellers in Indonesia, the fee math is the same across both platforms. The decision is operational.

Where Xendit has the edge:

Early settlement. Xendit offers same-day or next-day fund release for eligible merchants. Midtrans does not publish a comparable early settlement option. If you’re restocking inventory weekly, the difference between H+2 and same-day settlement on a Rp 200 million weekly GMV can mean Rp 400 million in freed-up working capital.

Cross-border payouts. Xendit supports multi-currency collection and cross-border disbursements — relevant if you have suppliers or partners outside Indonesia. Midtrans is Indonesia-focused.

Developer documentation. Xendit’s REST API documentation is consistently cited as clearer and better-maintained in seller communities, based on developer discussions in Indonesian tech forums. This matters if your team is building a custom checkout or integrating recurring billing.

Disbursement. Both charge Rp 2,500 per disbursement. Xendit processes disbursements 7 days a week, including national holidays. This helps sellers who need to pay suppliers or refund customers outside banking hours.

Where Midtrans has the edge:

GoPay direct integration. Midtrans has a direct GoPay connection at 2.00% per transaction. Xendit routes GoPay via QRIS at 0.70% — technically cheaper, but the checkout UX differs. QRIS displays a QR code; Midtrans’s direct GoPay integration triggers the app-to-app redirect. Sellers with a high GoPay-paying customer base sometimes prefer the direct integration for conversion.

Established merchant ecosystem. Midtrans (a Gojek subsidiary) processes payments for many of Indonesia’s largest ecommerce platforms — tiket.com, Bukalapak integrations, and others. Its brand recognition is higher in the enterprise segment.

Processing more than Rp 500 million per month? At that volume, both gateways offer negotiated enterprise rates. Compare all gateway options before deciding — see the best payment gateways for Indonesian ecommerce.

How Long Does Xendit Take to Settle Funds?

Xendit’s standard settlement in Indonesia is H+2 — funds reach your registered bank account 2 business days after a successful transaction. Xendit offers an early settlement option for eligible merchants that releases funds the same day or next business day, subject to volume thresholds and a fee negotiated with Xendit’s sales team.

Settlement speed is a cash flow decision. A seller processing Rp 50 million per week on H+2 settlement has roughly Rp 100 million in in-flight funds at any time — money that has been collected but hasn’t landed in your bank account yet.

For sellers restocking frequently or running on tight margins, Xendit’s early settlement option can directly reduce working capital strain. Midtrans does not publish a comparable option.

Settlement by payment method on Xendit:

The PayLater settlement lag is standard across all BNPL providers in Indonesia — Xendit is not holding your funds. The BNPL provider settles to the gateway on its own cycle before Xendit disburses to you.

Is Xendit PCI DSS Compliant and Licensed in Indonesia?

Yes. Xendit holds a Category 2 License for Payment Gateway Services issued by Bank Indonesia and is PCI DSS certified, per Xendit’s documentation on its digital payment infrastructure in Indonesia. This means Xendit operates as a fully regulated payment processor under Indonesian law, and its card data handling meets the global PCI standard.

Security matters more in payments than almost anywhere else in your ecommerce stack. A misconfigured gateway exposes card data, triggers chargebacks, and creates legal liability.

Xendit’s compliance status addresses this in two layers:

Bank Indonesia Category 2 License. This license authorizes Xendit to operate as a payment gateway in Indonesia. It requires Xendit to maintain operational standards, capital requirements, and consumer protection policies set by Bank Indonesia. Sellers can verify Xendit’s license at Bank Indonesia’s fintech registry (bi.go.id).

PCI DSS certification. The Payment Card Industry Data Security Standard covers how card data is stored, processed, and transmitted. PCI DSS compliance shifts the bulk of the card security compliance burden from the merchant to the gateway — you don’t need to be PCI certified if you’re using Xendit’s hosted payment page or payment links. Custom API integrations that transmit raw card data may require additional scoping.

Additional security features:

• 3D Secure (3DS) authentication for card transactions — reduces fraud and shifts chargeback liability
• Fraud detection and automated monitoring
• Full card refund policy: percentage fee is refunded on full card refunds; fixed fee (Rp 2,000) is not

How Easy Is It to Integrate Xendit With Shopify, WooCommerce, or a Custom Store?

Xendit integrates with Shopify, WooCommerce, Magento, and Wix via official plugins. Payment links via dashboard require no code and take under 15 minutes. Full REST API integration typically takes 1–3 developer days and gives access to tokenization, recurring billing, and all 100+ payment methods, per Xendit’s integration documentation.

Integration path depends on your store setup:

No-code (fastest): Xendit payment links. Create a link from the Xendit dashboard, share it with a customer, and they pay using any supported method. No store integration needed. Useful for pre-orders, wholesale orders, or one-off invoices.

Plugin-based (most common for sellers):

• Shopify: Official Xendit app available in the Shopify App Store. Connect your API keys, select which payment methods to enable, go live.
• WooCommerce: Free plugin available. Standard setup — API keys from Xendit dashboard, plugin configuration in WordPress. Supports all payment methods.
• Magento 2: Plugin available for Magento stores.
• Wix: Native Xendit payment integration available.

API integration (for custom builds): Xendit’s REST API covers all payment methods under unified endpoints. The tokenization API saves card credentials for repeat customers, enabling one-click checkout for repeat buyers or subscription models. Xendit processes disbursements via the same API, meaning a single integration can handle both inbound payments and outbound payouts.

One limitation worth noting: Xendit is relevant for your own website or direct store checkout. If you sell exclusively on Tokopedia, Shopee, or Lazada, those platforms handle payment processing internally through their own infrastructure. Xendit only applies to traffic you control directly.

Verdict: Which Indonesian Sellers Should Use Xendit?

Xendit is the strongest choice for Indonesian ecommerce sellers who need API flexibility, early settlement access, cross-border capabilities, or want a single integration for payments and disbursements. For sellers embedded in the Gojek/GoTo ecosystem who prioritize direct GoPay integration, Midtrans is the comparable alternative — with near-identical fees and a larger installed merchant base.

Both gateways cover Indonesian ecommerce well. Here’s when to choose each.

Xendit is the right fit if:

• You run a custom store or work with a developer — Xendit’s API is consistently rated cleaner
• Early settlement would improve your cash flow — Xendit offers it; Midtrans does not
• You sell across multiple SEA markets and need cross-border payout capability
• You want BNPL (Akulaku, Kredivo, Atome) alongside standard methods in one integration

Choose Midtrans instead if:

• You’re embedded in the Gojek/GoTo ecosystem and need direct GoPay integration
• Your developers know Midtrans already — migration has a cost
• Your platform uses Midtrans natively and switching is low-priority

The fee math is identical for bank transfer and card. At Rp 200,000 average order value with 600 monthly orders via bank transfer, both gateways cost Rp 2,400,000/month. The choice is about settlement speed and ecosystem fit — not cost.

Not sure which payment gateway fits your store? Compare all options for Indonesian ecommerce — fees, settlement, and supported methods — in the best payment gateway guide for Indonesia. Free. No signup required.

Frequently Asked Questions

What is the Xendit payment gateway and what does it charge in Indonesia?

Xendit payment gateway is a Bank Indonesia-licensed payment processor that charges Rp 4,000 per virtual account / bank transfer, 2.90% + Rp 2,000 per card, and 0.70% for QRIS, per Xendit’s official pricing page. E-wallet fees range from 1.50% to 4.00% by provider. All fees exclude 11% VAT; QRIS fees are VAT-inclusive.

How long does Xendit take to settle funds in Indonesia?

Xendit settles funds at H+2 (2 business days after a successful transaction) as standard. An early settlement option is available for eligible merchants — funds release the same day or next business day at an additional fee. Early settlement terms require direct negotiation with Xendit’s sales team and are not published on the pricing page.

Is Xendit or Midtrans better for Indonesian ecommerce?

Both charge identical fees for bank transfer (Rp 4,000) and card (2.90% + Rp 2,000). Xendit leads on API documentation quality, early settlement, and cross-border capabilities. Midtrans leads on GoPay direct integration and has a larger established merchant base in Indonesia. For most independent sellers, the decision is about operational preference, not fees.

Does Xendit support GoPay, OVO, and DANA in Indonesia?

Yes. Xendit supports OVO (1.50–3.18%), DANA (1.50–3.00%), LinkAja (1.50–3.15%), ShopeePay (2.00–4.00%), AstraPay (1.50%), and JeniusPay (2.00%). QRIS at 0.70% covers GoPay and all Bank Indonesia-compliant e-wallets in a single QR integration. Fees per Xendit’s pricing page.

Is Xendit licensed to operate in Indonesia?

Yes. Xendit holds a Category 2 License for Payment Gateway Services issued by Bank Indonesia and is PCI DSS certified, per Xendit’s published documentation on Indonesia’s digital payment infrastructure. Sellers can verify Xendit’s license status through Bank Indonesia’s licensed fintech registry at bi.go.id.

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