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Head-to-Head Specification Audit
Xendit vs Paddle
Indonesian & SEA Businesses · Southeast Asia
Specification Matrix
| Metric | Xendit | Paddle |
|---|---|---|
| Starting Price | CustomBetter | Custom |
| API Rate Limit | 200 req/min | N/A |
| Target Country | Southeast Asia | Global |
| Category | Payment Processing | Payment Processing API |
| Compliance | Bank Indonesia Regulated, PDP Law | GDPR, CCPA, PCI-DSS, SOC2 |
| Hosting Regions | ID-Jakarta, PH-Manila | US, EU |
| Native Integrations | 4 listed | 6 listedBetter |
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
Paddle — Key Specs
- ✓Merchant of Record — Paddle handles VAT, GST, and sales tax in 200+ countries
- ✓Subscription billing with trials, proration, and pausing built-in — no Stripe Tax add-on
- ✓Available for ZA-registered businesses — no US entity required unlike Stripe
- ✓Built-in churn recovery: failed payment retry logic with smart dunning sequences
Frequently Asked Questions
What is cheaper, Xendit or Paddle?+
Both tools start at $0/mo on their entry plans.
Which tool is better for compliance — Xendit or Paddle?+
Xendit additionally supports Bank Indonesia Regulated, PDP Law. Paddle additionally supports GDPR, CCPA, PCI-DSS, SOC2.
Which tool is better suited for Southeast Asia?+
Xendit is evaluated for Indonesian & SEA Businesses in Southeast Asia with hosting regions: ID-Jakarta, PH-Manila. Paddle has hosting regions: US, EU. For data residency in Southeast Asia, check each vendor's data processing agreements.
Data last verified: 25 June 2026
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