Authorize.net vs Xendit

Authorize.net provides a reliable payment gateway that lets merchants accept credit cards, e‑checks, and digital wallets online and in‑person. It offers a suite of tools for fraud prevention, recurring billing, and detailed reporting, all hosted in a PCI‑compliant environment. The platform integrates with major shopping carts, accounting software, and mobile apps, giving businesses of any size a unified solution for transaction management. With a developer‑friendly API and robust support, merchants can scale their payment operations while maintaining security and compliance.

Xendit is a payment infrastructure platform for Southeast Asia, letting businesses accept and send payments through more than 100 methods including QRIS, e-wallets like OVO and GoPay, virtual accounts, and cards across Indonesia, the Philippines, Malaysia, Thailand, Vietnam, Singapore, and Hong Kong. It targets everything from e-commerce startups to large marketplaces and insurers, with no setup or monthly fees and pay-as-you-go transaction pricing.

• Highly reliable transaction processing with 99.9% uptime.
• Robust fraud prevention and PCI compliance tools.
• Extensive integrations with major e‑commerce platforms.
• Developer‑friendly API and comprehensive documentation.

• No setup or monthly fees, only pay per successful transaction
• Broad regional coverage across seven Southeast Asian markets from one integration
• Deep local payment method support, including QRIS and regional e-wallets
• 24/7 customer support and strong regulatory licensing

• Transaction fees can be higher than some newer fintech alternatives.
• Setup may require technical knowledge for API integration.
• Limited customization of the hosted payment form without additional development.

• Per-transaction fees can add up for high-volume, low-margin businesses
• Card processing fees are notably higher than local bank transfer or QR fees
• Full fee schedule requires visiting country-specific pricing pages rather than one global page