Head-to-Head Specification Audit
Xendit vs Zoho One
Indonesian & SEA Businesses · Southeast Asia
Specification Matrix
| Metric | Xendit | Zoho One |
|---|---|---|
| Starting Price | $0/moBetter | $37/mo |
| API Rate Limit | 200 req/minBetter | 100 req/min |
| Target Country | Southeast Asia | India |
| Category | Payment Processing | Business Suite |
| Compliance (vendor-stated) | Bank Indonesia Regulated, PDP Law | GDPR, SOC2, ISO27001 |
| Hosting Regions | ID-Jakarta, PH-Manila | IN-Chennai, US-East, EU-West, AU-East, JP-Tokyo |
| 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
Zoho One — Key Specs
Vendor-stated- ✓50+ integrated business apps in one subscription — CRM, HR, Finance, Marketing
- ✓Data stored in India data centres — fully PDPB-ready
- ✓Significantly cheaper than buying US equivalents separately
- ✓Zoho CRM used by 250,000+ businesses globally
Frequently Asked Questions
Which is lower-priced, Xendit or Zoho One?+
Xendit starts at Free plan available, which is lower than Zoho One at $37/mo. Verify current pricing on each vendor's website.
Which compliance frameworks do Xendit and Zoho One list?+
Xendit additionally lists Bank Indonesia Regulated, PDP Law. Zoho One additionally lists GDPR, SOC2, ISO27001. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Xendit or Zoho One?+
Xendit has a higher documented API rate limit at 200 req/min versus Zoho One at 100 req/min.
Which data hosting regions do Xendit and Zoho One support?+
Xendit lists hosting regions: ID-Jakarta, PH-Manila. Zoho One lists hosting regions: IN-Chennai, US-East, EU-West, AU-East, JP-Tokyo. For data residency requirements in Southeast Asia, confirm exact region configuration directly with each vendor.
Data last updated: 1 October 2026 — Sourced from official vendor documentation. Not independently audited. Report incorrect information
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