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Head-to-Head Specification Audit
Razorpay vs Xendit
Indian SMBs & Startups · India
Specification Matrix
| Metric | Razorpay | Xendit |
|---|---|---|
| Starting Price | CustomBetter | Custom |
| API Rate Limit | 300 req/minBetter | 200 req/min |
| Target Country | India | Southeast Asia |
| Category | Payment Processing | Payment Processing |
| Compliance | PCI-DSS, RBI Compliance | Bank Indonesia Regulated, PDP Law |
| Hosting Regions | IN-Mumbai, IN-Bangalore | ID-Jakarta, PH-Manila |
| Native Integrations | 6 listedBetter | 4 listed |
Razorpay — Key Specs
- ✓#1 payment gateway in India — 8M+ businesses use it
- ✓Supports UPI, NetBanking, Wallets, Cards, and EMI out of the box
- ✓Razorpay Capital offers working capital loans based on transaction history
- ✓RazorpayX business banking with INR-denominated accounts
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, Razorpay or Xendit?+
Both tools start at $0/mo on their entry plans.
Which tool is better for compliance — Razorpay or Xendit?+
Razorpay additionally supports PCI-DSS, RBI Compliance. Xendit additionally supports Bank Indonesia Regulated, PDP Law.
Which has a higher API rate limit — Razorpay or Xendit?+
Razorpay has a higher API rate limit at 300 requests per minute. Razorpay: 300 req/min. Xendit: 200 req/min.
Which tool is better suited for India?+
Razorpay is evaluated for Indian SMBs & Startups in India with hosting regions: IN-Mumbai, IN-Bangalore. Xendit has hosting regions: ID-Jakarta, PH-Manila. For data residency in India, check each vendor's data processing agreements.
Data last verified: 25 June 2026
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