Head-to-Head Specification Audit
Xendit vs Adyen
Indonesian & SEA Businesses · Southeast Asia
Specification Matrix
| Metric | Xendit | Adyen |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 200 req/min | 500 req/minBetter |
| Target Country | Southeast Asia | Global |
| Category | Payment Processing | Payments Platform |
| Compliance (vendor-stated) | Bank Indonesia Regulated, PDP Law | PCI-DSS, SOC2, GDPR, PSD2, ISO27001 |
| Hosting Regions | ID-Jakarta, PH-Manila | EU-West, US-East, AP-Southeast, EU-Central |
| Native Integrations | 4 listed | 6 listedBetter |
Xendit — Key Specs
Vendor-stated- ✓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
Adyen — Key Specs
Vendor-stated- ✓Single acquiring platform for 200+ payment methods globally
- ✓Issuing: virtual/physical cards for expense management
- ✓PSD2 SCA built-in with AI-powered SCA exemption engine
- ✓EU data residency, GDPR DPA, PCI DSS Level 1
Frequently Asked Questions
Which is lower-priced, Xendit or Adyen?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Xendit and Adyen list?+
Xendit additionally lists Bank Indonesia Regulated, PDP Law. Adyen additionally lists PCI-DSS, SOC2, GDPR, PSD2, ISO27001. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Xendit or Adyen?+
Adyen has a higher documented API rate limit at 500 req/min versus Xendit at 200 req/min.
Which data hosting regions do Xendit and Adyen support?+
Xendit lists hosting regions: ID-Jakarta, PH-Manila. Adyen lists hosting regions: EU-West, US-East, AP-Southeast, EU-Central. For data residency requirements in Southeast Asia, confirm exact region configuration directly with each vendor.
Data last updated: 29 August 2026 — Sourced from official vendor documentation. Not independently audited. Report incorrect information
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