Head-to-Head Specification Audit
PayFast vs Xendit
E-Commerce & SaaS Businesses · South Africa
Specification Matrix
| Metric | PayFast | Xendit |
|---|---|---|
| Starting Price | CustomBetter | Custom |
| API Rate Limit | 60 req/min | 200 req/minBetter |
| Target Country | South Africa | Southeast Asia |
| Category | Payment Processing API | Payment Processing |
| Compliance | POPIA, PCI-DSS | Bank Indonesia Regulated, PDP Law |
| Hosting Regions | ZA-Cape-Town, ZA-Johannesburg | ID-Jakarta, PH-Manila |
| Native Integrations | 6 listedBetter | 4 listed |
PayFast — Key Specs
- ✓Only major payment gateway with POPIA-compliant ZA data residency by default
- ✓Supports EFT, credit card, Instant EFT, Mobicred, and SnapScan natively
- ✓No monthly fee — pay 2.0–3.5% per transaction only
- ✓Recurring billing API supports subscription SaaS models out of the box
Xendit — Key Specs
- ✓Leading payment gateway in Indonesia — $150M+ in funding
- ✓Accepts bank transfers, e-wallets (GoPay, OVO, Dana), cards, and QRIS
- ✓Virtual account payments — the primary B2B payment method in Indonesia
- ✓Expanding to Philippines, Vietnam, Malaysia, and Thailand
Frequently Asked Questions
What is cheaper, PayFast or Xendit?+
Both tools start at $0/mo on their entry plans.
Which tool is better for compliance — PayFast or Xendit?+
PayFast additionally supports POPIA, PCI-DSS. Xendit additionally supports Bank Indonesia Regulated, PDP Law.
Is PayFast or Xendit compliant with South Africa's POPIA?+
PayFast supports POPIA compliance. Xendit does not list POPIA as a supported framework.
Which has a higher API rate limit — PayFast or Xendit?+
Xendit has a higher API rate limit at 200 requests per minute. PayFast: 60 req/min. Xendit: 200 req/min.
Which tool is better suited for South Africa?+
PayFast is evaluated for E-Commerce & SaaS Businesses in South Africa with hosting regions: ZA-Cape-Town, ZA-Johannesburg. Xendit has hosting regions: ID-Jakarta, PH-Manila. For data residency in South Africa, check each vendor's data processing agreements.
Data last verified: 25 June 2026
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