What is Xendit?
Xendit is a Southeast Asian payment infrastructure provider operating in the Philippines and neighbouring markets, offering one API for cards, e-wallets, bank transfers, virtual accounts, over-the-counter payments and outbound disbursements. Its distinguishing feature for Philippine merchants is regional coverage plus payouts, meaning sending money out rather than only collecting it.
- Category
- E-commerce & Payments (Philippines)
- In our work
- Product development
Two capabilities separate it from a straightforward store gateway. Virtual accounts give each customer or invoice a unique account number, so an incoming bank transfer identifies itself and reconciles without anyone reading a deposit slip. Disbursements push money outward under program control, which is what a marketplace paying sellers, a logistics platform paying riders, or an insurer paying claims actually needs.
That breadth is also the reason it can be the wrong choice. A single-brand store collecting from Philippine buyers may never touch disbursements or multi-country support, and pays in integration complexity for capability it does not use. Choose on the payment methods your buyers reach for and whether money has to travel in both directions — not on the length of the feature list.
Where it comes up.
How Much Does Custom Software Cost in the Philippines? (2026 Estimate Guide)
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SaaS Pricing for the Philippine Market: What Works in 2026
ArticleSaaS pricing in the Philippines is not a simple peso conversion. This guide covers peso-denominated tiers, freemium math, and usage-based models for 2026.
AI Coding Agents Are Shipping Code Faster. Should You Still Hire a Studio?
ArticleAI coding agents in the Philippines are reshaping how software gets built. An honest look at where they help and where a studio still matters.
Integrating GCash, Maya & QR Ph in Custom Software: 2026 Edition
ArticleA practical guide to GCash integration in the Philippines, covering PayMongo vs Xendit, QR Ph interoperability, and the key gotchas that matter in 2026.
Related terms.
PayMongo
E-commerce & Payments (Philippines)PayMongo is a Philippine payment gateway built around a developer API and hosted checkout, aggregating cards, wallets including GCash, Maya and GrabPay, online banking and over-the-counter payments behind one integration.
Payment Gateway
E-commerce & Payments (Philippines)A payment gateway is the service that carries a customer’s payment details from a checkout to the institutions that authorise and settle the money — card networks, banks, e-wallets.
InstaPay vs PESONet
E-commerce & Payments (Philippines)InstaPay and PESONet are the two automated clearing houses under the Bangko Sentral ng Pilipinas’ National Retail Payment System.
API (Application Programming Interface)
Web & Software EngineeringAn API is a defined way for one piece of software to request data or actions from another: a checkout asking a payment gateway to take a GCash payment, or a dashboard pulling yesterday’s sales from an accounting system.
Scoping a project?
Reading definitions because you are scoping a project? Skip ahead and just ask.