Head-to-Head Specification Audit
Xendit vs PayFast
Indonesian & SEA Businesses · Southeast Asia
Specification Matrix
| Metric | Xendit | PayFast |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 200 req/minBetter | 60 req/min |
| Target Country | Southeast Asia | South Africa |
| Category | Payment Processing | Payment Processing API |
| Compliance (vendor-stated) | 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
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
PayFast — Key Specs
Vendor-stated- ✓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
Which is lower-priced, Xendit or PayFast?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Xendit and PayFast list?+
Xendit additionally lists Bank Indonesia Regulated, PDP Law. PayFast additionally lists POPIA, PCI-DSS. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Does Xendit or PayFast list POPIA as a supported compliance framework?+
PayFast lists POPIA (Protection of Personal Information Act) as a supported compliance framework per its vendor documentation. VektorIndex has not independently verified this claim. South African organisations should request the vendor's current Data Processing Agreement and confirm data residency settings before processing personal information. Xendit does not list POPIA as a supported compliance framework in its public documentation. Contact the vendor to confirm their position before processing South African personal information.
Which has a higher documented API rate limit — Xendit or PayFast?+
Xendit has a higher documented API rate limit at 200 req/min versus PayFast at 60 req/min.
Which data hosting regions do Xendit and PayFast support?+
Xendit lists hosting regions: ID-Jakarta, PH-Manila. PayFast lists hosting regions: ZA-Cape-Town, ZA-Johannesburg. 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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