Head-to-Head Specification Audit
Xendit vs Paddle
Indonesian & SEA Businesses · Southeast Asia
Specification Matrix
| Metric | Xendit | Paddle |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 200 req/minBetter | 100 req/min |
| Target Country | Southeast Asia | Global |
| Category | Payment Processing | SaaS Billing |
| Compliance (vendor-stated) | Bank Indonesia Regulated, PDP Law | GDPR, PCI-DSS, SOC2 |
| Hosting Regions | ID-Jakarta, PH-Manila | EU-West, US-East |
| 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
Paddle — Key Specs
Vendor-stated- ✓Merchant of record for SaaS — handles all global tax compliance
- ✓Paddle Billing + Paddle Checkout unified
- ✓SOC 2 Type II, GDPR, PCI DSS compliant
- ✓Strong UK/EU market — GBP, EUR checkout native
Frequently Asked Questions
Which is lower-priced, Xendit or Paddle?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Xendit and Paddle list?+
Xendit additionally lists Bank Indonesia Regulated, PDP Law. Paddle additionally lists GDPR, PCI-DSS, SOC2. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Xendit or Paddle?+
Xendit has a higher documented API rate limit at 200 req/min versus Paddle at 100 req/min.
Which data hosting regions do Xendit and Paddle support?+
Xendit lists hosting regions: ID-Jakarta, PH-Manila. Paddle lists hosting regions: EU-West, US-East. 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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