Head-to-Head Specification Audit
Xendit vs PayFast
Indonesian & SEA Businesses · Southeast Asia
Specification Matrix
| Metric | Xendit | PayFast |
|---|---|---|
| Starting Price | CustomBetter | Custom |
| API Rate Limit | 200 req/minBetter | 60 req/min |
| Target Country | Southeast Asia | South Africa |
| Category | Payment Processing | Payment Processing API |
| Compliance | Bank Indonesia Regulated, PDP Law | POPIA, PCI-DSS |
| Hosting Regions | ID-Jakarta, PH-Manila | ZA-Cape-Town, ZA-Johannesburg |
| 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
PayFast — Key Specs
- ✓Only major payment gateway with POPIA-compliant ZA data residency by default
- ✓Supports EFT, credit card, Instant EFT, Mobicred, and SnapScan natively
- ✓No monthly fee — pay 2.0–3.5% per transaction only
- ✓Recurring billing API supports subscription SaaS models out of the box
Frequently Asked Questions
What is cheaper, Xendit or PayFast?+
Both tools start at $0/mo on their entry plans.
Which tool is better for compliance — Xendit or PayFast?+
Xendit additionally supports Bank Indonesia Regulated, PDP Law. PayFast additionally supports POPIA, PCI-DSS.
Is Xendit or PayFast compliant with South Africa's POPIA?+
PayFast supports POPIA compliance. Xendit does not list POPIA as a supported framework.
Which has a higher API rate limit — Xendit or PayFast?+
Xendit has a higher API rate limit at 200 requests per minute. Xendit: 200 req/min. PayFast: 60 req/min.
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. PayFast has hosting regions: ZA-Cape-Town, ZA-Johannesburg. For data residency in Southeast Asia, check each vendor's data processing agreements.
Data last verified: 25 June 2026
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