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Head-to-Head Specification Audit
Xendit vs Razorpay
Indonesian & SEA Businesses · Southeast Asia
Specification Matrix
| Metric | Xendit | Razorpay |
|---|---|---|
| Starting Price | CustomBetter | Custom |
| API Rate Limit | 200 req/min | 300 req/minBetter |
| Target Country | Southeast Asia | India |
| Category | Payment Processing | Payment Processing |
| Compliance | Bank Indonesia Regulated, PDP Law | PCI-DSS, RBI Compliance |
| Hosting Regions | ID-Jakarta, PH-Manila | IN-Mumbai, IN-Bangalore |
| 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
Razorpay — Key Specs
- ✓#1 payment gateway in India — 8M+ businesses use it
- ✓Supports UPI, NetBanking, Wallets, Cards, and EMI out of the box
- ✓Razorpay Capital offers working capital loans based on transaction history
- ✓RazorpayX business banking with INR-denominated accounts
Frequently Asked Questions
What is cheaper, Xendit or Razorpay?+
Both tools start at $0/mo on their entry plans.
Which tool is better for compliance — Xendit or Razorpay?+
Xendit additionally supports Bank Indonesia Regulated, PDP Law. Razorpay additionally supports PCI-DSS, RBI Compliance.
Which has a higher API rate limit — Xendit or Razorpay?+
Razorpay has a higher API rate limit at 300 requests per minute. Xendit: 200 req/min. Razorpay: 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. Razorpay has hosting regions: IN-Mumbai, IN-Bangalore. For data residency in Southeast Asia, check each vendor's data processing agreements.
Data last verified: 25 June 2026
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