Head-to-Head Specification Audit
Xendit vs Stripe
Indonesian & SEA Businesses · Southeast Asia
Specification Matrix
| Metric | Xendit | Stripe |
|---|---|---|
| Starting Price | $0/mo | Custom pricing |
| API Rate Limit | 200 req/minBetter | 100 req/min |
| Target Country | Southeast Asia | South Africa |
| Category | Payment Processing | Payment Processing API |
| Compliance (vendor-stated) | Bank Indonesia Regulated, PDP Law | GDPR, CCPA, PCI-DSS, SOC2 |
| Hosting Regions | ID-Jakarta, PH-Manila | US, EU |
| Native Integrations | 4 listed | 7 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
Stripe — Key Specs
Vendor-stated- ✓Industry-leading API documentation — fastest developer onboarding in payments
- ✓Stripe Billing handles complex subscription logic including proration and trials
- ✓Webhook delivery with automatic exponential backoff retry — 72-hour retry window
- ✓Stripe Radar machine learning fraud detection included on all plans at no extra cost
Frequently Asked Questions
Which is lower-priced, Xendit or Stripe?+
Stripe uses custom pricing. Xendit starts at Free plan available. Contact Stripe directly for a quote.
Which compliance frameworks do Xendit and Stripe list?+
Xendit additionally lists Bank Indonesia Regulated, PDP Law. Stripe additionally lists GDPR, CCPA, PCI-DSS, SOC2. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Xendit or Stripe?+
Xendit has a higher documented API rate limit at 200 req/min versus Stripe at 100 req/min.
Which data hosting regions do Xendit and Stripe support?+
Xendit lists hosting regions: ID-Jakarta, PH-Manila. Stripe lists hosting regions: US, EU. 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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