specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Xendit
providerId: xendit
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payments
- Fintech
- Southeast Asia
- Indonesia
- Philippines
- Plans
description: >-
  Xendit does not sell API access on subscription tiers. Access is self-serve
  and free to integrate: create a dashboard account, get test keys immediately,
  and get live keys after business verification. Xendit earns revenue on a
  usage / per-transaction basis - a payment-method fee (percentage and/or flat)
  on money accepted, and a payout fee on money disbursed, plus applicable local
  taxes (e.g. 11% PPN VAT in Indonesia). Rates vary by country, channel, and
  volume; enterprise merchants negotiate custom rates. The figures here are
  representative and not reconciled.
notes: >-
  Per-transaction rates change and differ by market. Verify country-specific
  pricing at https://www.xendit.co/en-id/pricing/ (Indonesia) and
  https://www.xendit.co/en-ph/pricing/ (Philippines) and in the Billing Fee
  Structure page of the Xendit dashboard during reconciliation.
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
plans:
- id: xendit-self-serve
  name: Self-Serve (Pay As You Go)
  type: usage
  description: >-
    Free to sign up and integrate with no monthly platform fee. Test-mode keys
    are available immediately; live-mode keys unlock after business
    verification. Xendit charges per successful transaction (acceptance) and per
    payout (disbursement). Rates below are representative Indonesia (IDR) and
    Philippines (PHP) examples.
  entries:
  - label: Virtual Account (Indonesia)
    name: va_id
    type: flat
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: ID
    unit: 1
    price: approx IDR 4,000 processing fee (channel fee varies by bank)
    userMultiplied: false
  - label: E-Wallet (Indonesia)
    name: ewallet_id
    type: percent
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: ID
    unit: 1
    price: approx 3.0-5.5% + IDR 4,000 (OVO/DANA/GoPay/ShopeePay)
    userMultiplied: false
  - label: QRIS (Indonesia)
    name: qris_id
    type: percent
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: ID
    unit: 1
    price: approx 0.70% + IDR 4,000 (incl. VAT)
    userMultiplied: false
  - label: Cards (Indonesia)
    name: cards_id
    type: percent
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: ID
    unit: 1
    price: approx 2.90% + IDR 2,000 + IDR 4,000 (Visa/Mastercard/JCB)
    userMultiplied: false
  - label: E-Wallet (Philippines)
    name: ewallet_ph
    type: percent
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: PH
    unit: 1
    price: approx 2.0-3.2% + PHP 11.00 (GCash/GrabPay/Maya/ShopeePay)
    userMultiplied: false
  - label: Cards (Philippines)
    name: cards_ph
    type: percent
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: PH
    unit: 1
    price: approx 3.5% domestic / 4.5% international + PHP 11.00
    userMultiplied: false
  - label: Payouts / Disbursements
    name: payouts
    type: percent
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: global
    unit: 1
    price: approx 1.0% + fixed fee (min IDR 2,500 / PHP 15.00)
    userMultiplied: false
  elements:
  - name: Unified Payments API
  - name: Hosted Invoices / Payment Links
  - name: Payouts / Disbursements
  - name: Test and Live Environments
- id: xendit-enterprise
  name: Enterprise / Custom
  type: enterprise
  description: >-
    Negotiated per-transaction rates, volume discounts, dedicated support, and
    xenPlatform multi-account (marketplace) arrangements for high-volume
    merchants and platforms. Contact Xendit sales.
  entries:
  - label: Custom Agreement
    name: enterprise
    type: flat
    metric: contract
    limit: -1
    timeFrame: year
    geo: global
    unit: 1
    price: contact sales
    userMultiplied: false
  elements:
  - name: Negotiated Transaction Rates
  - name: Volume Discounts
  - name: xenPlatform Sub-Accounts
  - name: Dedicated Support
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com