Xendit vs Midtrans in Indonesia

Merchant decision question

For Indonesia ecommerce, should the first PSP shortlist compare Xendit and Midtrans?

When Xendit may fit

Choose Xendit if the merchant wants to evaluate an API-led PSP route across cards, wallets, virtual accounts, and local methods.

When Midtrans may fit

Choose Midtrans if the merchant wants to evaluate a locally established gateway route for Indonesia checkout and reconciliation.

What to verify before integration

• Confirm local entity, local bank account, KYB documents, supported merchant categories, and foreign merchant eligibility with each provider.
• Ask for supported checkout flows, refunds, chargebacks, reconciliation exports, webhooks, plugins, and production support commitments.
• Confirm settlement timing, payout currency, FX handling, reserves, tax invoices, and all contract fees in writing before launch.
• Validate the exact payment methods needed for the market instead of assuming country coverage equals method coverage.

Pricing and settlement note

Published pricing is suitable for initial screening only. Actual pricing can vary by country, industry, volume, settlement currency, integration model, and contract terms. Confirm the official pricing page or a provider quote before going live.

Do not treat country coverage or brand support as proof that a specific merchant entity, industry, payout currency, or settlement workflow is available.

Public sources to verify

• Xendit public provider record
• Midtrans public provider record

Questions merchants ask