Xendit charges Rp 4,000 per bank transfer, 2.90% per card, and 0.70% for QRIS. Those are the headline numbers. But Xendit offers twelve payment methods plus disbursements, subscriptions, and PayLater — each with its own rate. This guide covers every fee Xendit charges in Indonesia, verified from Xendit’s official pricing page in May 2026.
What Is Xendit’s Complete Pricing for All Payment Methods in Indonesia?
Xendit pricing in Indonesia covers 12+ payment methods with no monthly fee and no setup cost. Key rates: Rp 4,000 per bank transfer (aggregator tier), 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 and merchant category. All fees exclude 11% VAT unless stated.
Xendit is a Bank Indonesia-licensed payment platform (Category 2 License) for Indonesian ecommerce sellers — pay-per-transaction only, no monthly minimums, no setup fee, no termination charge.
Here is the complete Xendit fee table for Indonesia, verified May 2026:
| Payment Method | Tier | Percentage | Fixed (IDR) | Monthly Minimum |
|---|---|---|---|---|
| Virtual Account (Bank Transfer) | Aggregator | — | Rp 4,000 | None |
| Virtual Account (Direct) | Switcher | — | Rp 2,000 + bank fee | None |
| Credit / Debit Card | Standard | 2.90% | Rp 2,000 | None |
| AMEX Card | Standard | 3.90% | Rp 2,000 | None |
| QRIS | Standard | 0.70%* | — | None |
| OVO | Retail | 1.50% | — | None |
| OVO | ID Digital Content | 2.73% | — | None |
| OVO | Foreign Digital Content | 3.18% | — | None |
| DANA | PIN-authenticated | 1.50% | — | None |
| DANA | Non-PIN / Recurring | 3.00% | — | None |
| ShopeePay | Retail | 2.00%* | — | None |
| ShopeePay | Gaming / Digital | 4.00%* | — | None |
| LinkAja | Other Retail | 1.50% | — | None |
| LinkAja | ID Gaming / Digital | 2.70% | — | None |
| LinkAja | Foreign Gaming / Digital | 3.15% | — | None |
| AstraPay | Standard | 1.50% | — | None |
| JeniusPay | Standard | 2.00% | — | None |
| Direct Debit (BRI) | Standard | 1.90% | — | None |
| Indomaret | Standard | — | Rp 5,500 | None |
| Alfamart Group | Standard | — | Rp 5,000 | None |
| Akulaku PayLater | BNPL | 1.70% | — | None |
| Atome | BNPL | 5.00% | — | None |
| Indodana | BNPL | 2.30% | — | None |
| Kredivo | BNPL | 2.30% | — | None |
| UangMe | BNPL | 1.80% | — | None |
| Invoice | — | Free | — | None |
| Subscription | — | — | Rp 2,500 / active plan / month | None |
| Disbursement | Standard | — | Rp 2,500 / transfer | None |
| xenPlatform (sub-account) | — | — | Rp 25,000 / active account / month | None |
| xenPlatform (in-house transfer) | — | 0.50% | — (capped Rp 10,000) | None |
* QRIS 0.70% and ShopeePay 2.00%–4.00% are VAT-inclusive per Bank Indonesia regulation and Xendit’s pricing page. All other fees listed exclude Indonesia’s 11% VAT.
Bank fees for Switcher Virtual Accounts are negotiated directly between the merchant and each bank — Xendit does not set or publish them.
All fees sourced from Xendit’s official pricing page. Verified May 2026.
How Much Does Xendit Charge for Bank Transfers and Virtual Accounts?
Xendit charges Rp 4,000 per bank transfer on the standard Aggregator tier, or Rp 2,000 + a bank-set fee on the Switcher tier, per Xendit’s pricing page. Aggregator routes through Xendit’s shared infrastructure; Switcher routes through a direct bank connection where the merchant holds an existing bank agreement. Both settle in H+2 standard.
Bank transfers via virtual account are the dominant payment method for Indonesian ecommerce. The Aggregator tier keeps things simple: Rp 4,000 flat per successful transaction, regardless of order value.
At Rp 500,000 AOV, the Rp 4,000 fee is an effective rate of 0.80% — far cheaper than the 2.90% + Rp 2,000 card rate at that order value.
The Switcher tier suits merchants with direct bank relationships: Rp 2,000 Xendit fee plus a bank-set fee negotiated separately. Xendit supports virtual accounts at 11 Indonesian banks including BCA, BNI, BRI, Mandiri, and Permata.
Card payments: 2.90% + Rp 2,000 for Visa/Mastercard; 3.90% + Rp 2,000 for AMEX. Xendit returns the percentage fee on refunds — only the Rp 2,000 fixed portion is kept.
At Rp 300,000 average order value: (Rp 300,000 × 2.90%) + Rp 2,000 = Rp 10,700 total fee before VAT.
What Are Xendit’s E-Wallet and QRIS Fees in Indonesia?
Xendit charges 0.70% for QRIS (VAT-inclusive), 1.50% for AstraPay and OVO retail, and 2.00% for JeniusPay and ShopeePay retail, per Xendit’s pricing page. E-wallet rates for OVO, ShopeePay, LinkAja, and DANA vary by merchant category — digital content and gaming merchants pay materially higher rates than standard retail merchants.
QRIS is Xendit’s most cost-effective e-wallet option. At 0.70% VAT-inclusive, it covers GoPay, all Bank Indonesia-compliant e-wallets, and mobile banking apps through a single QR code. The rate is mandated by Bank Indonesia and is consistent across all licensed payment gateways in Indonesia.
For individual e-wallet integrations, the tier system is where sellers get caught off guard:
OVO charges 1.50% for standard retail. Indonesian digital content merchants pay 2.73%, and foreign digital content merchants pay 3.18%. If your store sells digital downloads, apps, or subscription content, confirm your Xendit account classification before assuming the 1.50% rate applies to your transactions.
DANA charges 1.50% for PIN-authenticated transactions and 3.00% for non-PIN or recurring charges — watch for this if you use DANA for subscription billing.
ShopeePay charges 2.00% for retail and 4.00% for gaming/digital — both VAT-inclusive per Xendit’s pricing page.
LinkAja runs three tiers: 1.50% for other retail, 2.70% for Indonesian gaming and digital content, and 3.15% for foreign digital content merchants.
Physical goods sellers consistently land in the 1.50%–2.00% e-wallet range. Digital product and gaming merchants pay 2.70%–4.00%.
Not sure whether Xendit or Midtrans is the better fit for your store? See the full Xendit vs Midtrans fee comparison and feature review with side-by-side settlement times and payment method coverage.
What Are Xendit’s BNPL and PayLater Fees for Indonesian Merchants?
Xendit’s BNPL merchant fees range from 1.70% (Akulaku PayLater) to 5.00% (Atome), per Xendit’s pricing page. BNPL fees are structurally higher than standard payment method fees because the PayLater provider absorbs the consumer credit risk and installment processing cost — not the merchant.
Xendit integrates five Buy Now Pay Later providers in Indonesia:
| BNPL Provider | Merchant Fee |
|---|---|
| Akulaku PayLater | 1.70% |
| UangMe | 1.80% |
| Kredivo | 2.30% |
| Indodana | 2.30% |
| Atome | 5.00% |
Akulaku PayLater at 1.70% is the lowest-cost BNPL option on Xendit — cheaper than a standard card transaction (2.90% + fixed fee). Atome at 5.00% is the highest, and represents a significant cost increase against bank transfer or standard e-wallet rates.
Whether BNPL justifies these rates depends on your AOV and product category. Bank Indonesia’s fintech registry lists all licensed BNPL providers in Indonesia for licensing verification.
For cash-preferred customers, Xendit covers two retail chains: Indomaret (Rp 5,500 per transaction) and Alfamart Group including Alfamart, Alfamidi, Alfaexpress, and Dan+Dan (Rp 5,000 per transaction). These flat fees make cash payments cost-effective at any order value above Rp 200,000.
Does Xendit Charge Hidden Fees or Monthly Minimums?
Xendit charges no monthly fee, no setup fee, no maintenance fee, and no termination fee for standard merchant accounts, per Xendit’s pricing page. Three costs sit outside the per-transaction fee table: 11% VAT on most fees, the xenPlatform sub-account fee (Rp 25,000 per active account per month), and the Subscription product fee (Rp 2,500 per active plan per month).
For most Indonesian ecommerce sellers using Xendit to accept payments, the cost structure is purely per-transaction. But three items need to be on your radar:
1. VAT (11%) is the most common oversight. Xendit’s published rates are almost all exclusive of Indonesia’s 11% VAT — except QRIS and ShopeePay, which are explicitly VAT-inclusive. Your Xendit tax invoice will show the base fee and VAT as separate line items.
In practice: Rp 4,000 VA fee → Rp 4,440 after VAT. Card 2.90% → effective 3.22%. Budget for this before your first invoice, not after.
2. xenPlatform sub-account fee (Rp 25,000 per active account per month) only applies if you use Xendit’s multi-merchant or marketplace platform product. An “active” account is any account with at least one money movement in the month — including in-house transfers. In-house transfers between sub-accounts carry an additional 0.50% fee, capped at Rp 10,000 per transfer. For single-store operations, xenPlatform is not relevant.
3. Subscription service fee (Rp 2,500 per active plan per month) applies only when using Xendit’s recurring billing product. This is charged per active subscription plan on top of the payment method fee for each collected payment.
Xendit’s disbursement product — sending money out for payouts, refunds, or vendor transfers — costs Rp 2,500 per transfer to Indonesian bank accounts, virtual accounts, or e-wallets. Disbursements are processed all days including public holidays, per Xendit’s documentation.
For a broader comparison of how Xendit’s fees stack up against Midtrans, DOKU, and other payment gateways available in Indonesia, see the best payment gateway for ecommerce in Indonesia guide.
Frequently Asked Questions
What is Xendit’s pricing for Indonesian ecommerce sellers?
Xendit charges Rp 4,000 per virtual account / bank transfer, 2.90% + Rp 2,000 per card, and 0.70% for QRIS in Indonesia, per Xendit’s official pricing page. E-wallet fees range from 1.50% to 4.00% depending on provider and merchant category. Xendit charges no monthly fee, no setup fee, and no termination fee for standard merchants.
Does Xendit charge a monthly fee?
No. Xendit does not charge a monthly subscription, setup, or maintenance fee for standard merchant accounts, per Xendit’s official pricing page. The only recurring fees are Rp 2,500 per active subscription plan per month if you use Xendit’s recurring payments product, and Rp 25,000 per active sub-account per month if you use xenPlatform.
Are Xendit fees inclusive of VAT in Indonesia?
No — most Xendit fees exclude Indonesia’s 11% VAT, which is charged separately on your invoice. Two exceptions: QRIS (0.70% is VAT-inclusive per Bank Indonesia regulation) and ShopeePay (2.00%–4.00% is VAT-inclusive per Xendit’s pricing page). For all other payment methods, add 11% to the published rate to get your true cost.
Can merchants negotiate lower fees with Xendit?
Yes. Xendit sets up to three pricing tiers per product, allowing higher-volume merchants to access lower rates, per Xendit’s published help documentation. Volume thresholds for each tier are not published publicly — contact Xendit sales directly to discuss your monthly transaction volume and request tiered pricing.