Head-to-Head Specification Audit
Xendit vs Flutterwave
Indonesian & SEA Businesses · Southeast Asia
Specification Matrix
| Metric | Xendit | Flutterwave |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 200 req/minTie | 200 req/minTie |
| Target Country | Southeast Asia | Africa |
| Category | Payment Processing | Payments Platform |
| Compliance (vendor-stated) | Bank Indonesia Regulated, PDP Law | NDPA, PCI-DSS |
| Hosting Regions | ID-Jakarta, PH-Manila | AF-West, AF-East, AF-South |
| 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
Flutterwave — Key Specs
Vendor-stated- ✓Largest pan-African payment gateway — 35+ African markets
- ✓SWIFT, SEPA, local mobile money (M-Pesa, MTN MoMo, Airtel), cards
- ✓PCI DSS Level 1 certified
- ✓Storefront, invoicing, and recurring billing included
Frequently Asked Questions
Which is lower-priced, Xendit or Flutterwave?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Xendit and Flutterwave list?+
Xendit additionally lists Bank Indonesia Regulated, PDP Law. Flutterwave additionally lists NDPA, PCI-DSS. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Xendit or Flutterwave?+
Both Xendit and Flutterwave have the same documented API rate limit of 200 requests per minute. Verify current limits on each vendor's developer documentation.
Which data hosting regions do Xendit and Flutterwave support?+
Xendit lists hosting regions: ID-Jakarta, PH-Manila. Flutterwave lists hosting regions: AF-West, AF-East, AF-South. 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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