Head-to-Head Specification Audit
Xendit vs Paystack
Indonesian & SEA Businesses · Southeast Asia
Specification Matrix
| Metric | Xendit | Paystack |
|---|---|---|
| Starting Price | CustomBetter | Custom |
| API Rate Limit | 200 req/min | 300 req/minBetter |
| Target Country | Southeast Asia | Nigeria |
| Category | Payment Processing | Payment Processing |
| Compliance | Bank Indonesia Regulated, PDP Law | NDPA, CBN Licensed, PCI-DSS |
| Hosting Regions | ID-Jakarta, PH-Manila | NG-Lagos, GH-Accra, ZA-Johannesburg |
| Native Integrations | 4 listed | 5 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
Paystack — Key Specs
- ✓Acquired by Stripe — the most trusted payment API in Africa
- ✓Supports Nigerian bank transfers, USSD, Visa/Mastercard, and mobile money
- ✓Instant settlement to Nigerian bank accounts
- ✓Now available in Ghana, South Africa, Kenya, Ivory Coast
Frequently Asked Questions
What is cheaper, Xendit or Paystack?+
Both tools start at $0/mo on their entry plans.
Which tool is better for compliance — Xendit or Paystack?+
Xendit additionally supports Bank Indonesia Regulated, PDP Law. Paystack additionally supports NDPA, CBN Licensed, PCI-DSS.
Which has a higher API rate limit — Xendit or Paystack?+
Paystack has a higher API rate limit at 300 requests per minute. Xendit: 200 req/min. Paystack: 300 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. Paystack has hosting regions: NG-Lagos, GH-Accra, 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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