Head-to-Head Specification Audit
Xendit vs Plaid
Indonesian & SEA Businesses · Southeast Asia
Specification Matrix
| Metric | Xendit | Plaid |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 200 req/min | 300 req/minBetter |
| Target Country | Southeast Asia | United States |
| Category | Payment Processing | Open Banking |
| Compliance (vendor-stated) | Bank Indonesia Regulated, PDP Law | SOC2, GLBA, CCPA, PCI-DSS |
| Hosting Regions | ID-Jakarta, PH-Manila | US-East, US-West |
| 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
Plaid — Key Specs
Vendor-stated- ✓Largest open banking network in the US — connects to 12,000+ institutions
- ✓Identity verification, income verification, transaction enrichment
- ✓SOC 2 Type II, GLBA, CCPA compliant
- ✓Tokenisation protects user credentials — no password storage
Frequently Asked Questions
Which is lower-priced, Xendit or Plaid?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Xendit and Plaid list?+
Xendit additionally lists Bank Indonesia Regulated, PDP Law. Plaid additionally lists SOC2, GLBA, CCPA, PCI-DSS. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Xendit or Plaid?+
Plaid has a higher documented API rate limit at 300 req/min versus Xendit at 200 req/min.
Which data hosting regions do Xendit and Plaid support?+
Xendit lists hosting regions: ID-Jakarta, PH-Manila. Plaid lists hosting regions: US-East, US-West. 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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