specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Xendit
providerId: xendit
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payments
- Fintech
- Southeast Asia
- Indonesia
- Philippines
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Xendit spend. Xendit is a usage-priced payments platform: there
  is no subscription or API platform fee, and cost is incurred per transaction.
  Money accepted carries a payment-method fee (a percentage, a flat fee, or
  both, varying by country and channel) plus a Xendit processing fee; money
  disbursed carries a payout fee (typically a percentage with a per-transaction
  minimum). Local taxes apply on top - for example Indonesia adds 11% PPN VAT to
  processing fees. Refunds and reversals can carry their own handling. Because
  fees scale directly with payment volume and channel mix, cost optimization is
  primarily about steering customers toward lower-fee channels and negotiating
  volume rates.
notes: >-
  Per-transaction rates are representative and NOT reconciled; they vary by
  country, channel, and negotiated merchant terms. Verify against
  https://www.xendit.co/en-id/pricing/, https://www.xendit.co/en-ph/pricing/,
  and the Billing Fee Structure in the Xendit dashboard.
sources:
- https://www.xendit.co/en/pricing/
- https://www.xendit.co/en-id/pricing/
- https://www.xendit.co/en-ph/pricing/
- https://docs.xendit.co/docs/transaction-fees
- https://focus.finops.org/focus-specification/v1-3/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Xendit
serviceCategory: Payments and Financial Infrastructure
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Per-Transaction
  billingCurrency: Multi-Currency (IDR, PHP, USD, and others)
  chargeCategories:
  - Usage
  - Tax
  - Adjustment
focusColumns:
  ServiceName: Xendit Payments
  ServiceCategory: Payments and Financial Infrastructure
  ProviderName: Xendit
  PublisherName: Xendit
  InvoiceIssuerName: Xendit
  BillingCurrency: IDR
  ChargeCategory: Usage
  PricingCategory: Usage-Based
meters:
- name: acceptance_percentage_fee
  description: Percentage payment-method fee on accepted transactions, varying by channel and country.
  unit: percent
  aggregation: sum
  dimensions:
  - account
  - country
  - channel
- name: acceptance_flat_fee
  description: Flat per-transaction fee on accepted payments (e.g. IDR 4,000 processing, PHP 11.00).
  unit: currency
  aggregation: sum
  dimensions:
  - account
  - country
  - channel
- name: payout_fee
  description: Fee on disbursements / payouts to bank accounts and e-wallets (percentage plus minimum).
  unit: currency
  aggregation: sum
  dimensions:
  - account
  - country
  - channel
- name: tax
  description: Local taxes applied on top of fees (e.g. 11% PPN VAT in Indonesia).
  unit: currency
  aggregation: sum
  dimensions:
  - account
  - country
- name: refund_handling
  description: Any handling associated with refunds and reversals.
  unit: currency
  aggregation: sum
  dimensions:
  - account
  - channel
principles:
- name: Visibility
  description: Pull the Transactions API and dashboard reports to attribute fees per channel, country, and product.
- name: Allocation
  description: Tag payment requests and payouts with reference_id / metadata to map fees to teams, storefronts, or sub-accounts (xenPlatform for-user-id).
- name: Optimization
  description: Steer customers toward lower-fee channels (e.g. virtual account or QRIS vs. cards), batch or minimize small payouts to reduce fixed per-transaction fees, and negotiate volume rates.
- name: Accountability
  description: Review monthly fee and tax totals per channel against payment volume; assign owners per product line and reconcile against the Billing Fee Structure.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com