What it does
Xendit is a payments platform built for businesses operating in Southeast Asia, including the Philippines. It provides infrastructure for accepting customer payments through local methods, cards, bank transfers, e-wallets, and other options available in its supported markets. Businesses can use hosted checkout experiences, payment links, invoices, or APIs to embed payments into a product or workflow.
Beyond collections, Xendit is designed to support operational payment tasks such as disbursing funds to suppliers, sellers, or customers, reconciling transactions, and monitoring payment status from a central dashboard. Its developer tools make it relevant to software products that need more control, while its no-code or lower-code payment flows can suit teams that want to begin accepting payments without building a full checkout stack.
Who it's for
Xendit is a strong consideration for solo founders, online businesses, marketplaces, and platform operators that sell in the Philippines or across multiple Southeast Asian markets. It is particularly useful when local payment preferences matter: a card-only checkout may leave conversion on the table in markets where bank transfers and wallets are common.
A founder with a simple service business may use payment links or invoicing to collect payments. A growing SaaS company, marketplace, or commerce operation may instead use the API, webhooks, and payout features to automate payment flows. Because payments involve onboarding, verification, settlement timing, and local compliance requirements, it is worth confirming which payment methods and business types are supported for your entity and target country.
Why founders may consider it
- Local payment coverage can make checkout more familiar to regional customers.
- Collection and payout capabilities can reduce the need to stitch together separate payment vendors.
- Options range from shareable payment requests to developer-led integrations.
- Reporting and transaction visibility can help with day-to-day finance operations.
Xendit is most compelling when Southeast Asian payment localization is a business requirement rather than a nice-to-have.
Before committing, test the onboarding process, integration quality, settlement expectations, support responsiveness, and total fees for the specific payment methods your customers are likely to choose.