Head-to-Head Specification Audit
Xendit vs Paystack
Indonesian & SEA Businesses · Southeast Asia
Specification Matrix
| Metric | Xendit | Paystack |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 200 req/min | 300 req/minBetter |
| Target Country | Southeast Asia | Nigeria |
| Category | Payment Processing | Payment Processing |
| Compliance (vendor-stated) | 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
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
Paystack — Key Specs
Vendor-stated- ✓Acquired by Stripe — a widely-used payment API serving African markets
- ✓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
Which is lower-priced, Xendit or Paystack?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Xendit and Paystack list?+
Xendit additionally lists Bank Indonesia Regulated, PDP Law. Paystack additionally lists NDPA, CBN Licensed, PCI-DSS. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Xendit or Paystack?+
Paystack has a higher documented API rate limit at 300 req/min versus Xendit at 200 req/min.
Which data hosting regions do Xendit and Paystack support?+
Xendit lists hosting regions: ID-Jakarta, PH-Manila. Paystack lists hosting regions: NG-Lagos, GH-Accra, 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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