Hitpay vs Xendit: Which Fintech & Payments Is Better in 2026?
Compare pricing, features, integrations, verified reviews, AI capabilities, security, and customer satisfaction — side by side, with no marketing spin.
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The Short Answer
Hitpay vs Xendit, in 15 seconds
Choose Hitpay if…
- You want the lower entry price
- You need a genuinely free plan
- You have strict security & compliance needs
Choose Xendit if…
- You prefer Xendit's approach and ecosystem
Head-to-Head Scorecard
How Hitpay and Xendit score
Hitpay leads on 4 of 9 measured dimensions.
- Even
Customer Rating
Average score from verified user reviews
HitpayNo reviewsXenditNo reviews - Even
Review Volume
Number of verified reviews — a proxy for adoption
Hitpay0Xendit0 - Hitpay
Entry Pricing
Lowest published starting price (free plan = lowest)
HitpayFreeXenditCustom - Hitpay
Free Access
Availability of a free plan and/or free trial
HitpayFree planXenditPaid only - Even
Integrations
Number of listed third-party integrations
Hitpay6Xendit6 - Even
Features
Number of listed product capabilities
Hitpay6Xendit6 - Even
AI Features
Capabilities mentioning AI, automation or ML
Hitpay—Xendit— - Hitpay
Security & Compliance
Number of listed compliance certifications
Hitpay3Xendit2 - Hitpay
Platforms & Deployment
Supported platforms and deployment options
Hitpay5Xendit4
Feature Comparison
Hitpay vs Xendit feature breakdown
Search or filter the full feature matrix — core features, AI, integrations, APIs, security and compliance.
Hitpay
XenditPricing Comparison
Hitpay vs Xendit pricing
Entry pricing, plan tiers and the cost factors that shape total cost of ownership.
Hitpay
Free to start- Online checkout & links
- POS payments
- Recurring billing
- Local payment methods
Xendit
Custom to start- Virtual accounts ~0.5%
- E-wallets ~2.7%
- Cards ~3%
- Single API
- Payouts & disbursements
- Fraud & reconciliation
- High volume
- Dedicated support
Total cost of ownership factors
Beyond list price, factor in implementation, training, add-ons and per-seat scaling when estimating total cost of ownership.
Pros & Cons
Hitpay vs Xendit: strengths and trade-offs
Hitpay
Pros
- Free plan available
- Compliance: PCI DSS, MAS Licensed, GDPR
- Public API available
Cons
Xendit
Pros
- Compliance: PCI DSS, ISO 27001
- Public API available
Cons
- No free plan
- No free trial
- Pricing is quote-based (less transparent)
Buyer Fit
Who should use Hitpay vs Xendit?
Startups
Hitpay
Hitpay keeps early-stage costs lowest with its entry tier.
Small businesses
Hitpay
Hitpay offers the most accessible pricing for lean teams.
Agencies
Either
Either connects to more tools for multi-client workflows.
Enterprises
Hitpay
Hitpay leads on compliance and breadth for complex needs.
Ecommerce
Either
Either integrates with more of the commerce stack.
SaaS companies
Either
Either is the more developer- and automation-friendly choice.
Integration overlap
Shared integrations (2)
Only in Hitpay (4)
Only in Xendit (4)
Keep Exploring
Other alternatives worth considering
Similar fintech & payments products buyers compare alongside Hitpay and Xendit.
Ask SIA which solution fits your business
SIA, Saaskart's AI buying assistant, weighs Hitpay and Xendit against your team size, budget, integrations and compliance needs — then recommends the right fit and the questions to ask each vendor.
Get a personalised recommendationHitpay vs Xendit — Frequently Asked Questions
What is the difference between Hitpay and Xendit?
Hitpay and Xendit are both software solutions. Hitpay is rated 0.0/5 by 0 users, while Xendit is rated 0.0/5 by 0 users. The main differences lie in pricing, features, and target audience.
Which is better, Hitpay or Xendit?
Based on user ratings, Hitpay scores higher at 0.0/5. The best choice depends on your team size, budget, and specific requirements.
Which is cheaper, Hitpay or Xendit?
Hitpay is the more affordable option with a free plan available.
Does Hitpay or Xendit have a free plan?
Hitpay offers a free plan. Xendit does not have a free tier but offers paid plans.
Can I switch from Hitpay to Xendit?
Switching between Hitpay and Xendit is possible. Both support data export. Check integration compatibility and plan for data migration to minimise disruption to your team.
Who should use Hitpay vs Xendit?
Hitpay is best suited for teams that prioritise enterprise features. Xendit works well for teams needing advanced capabilities.
Our Verdict
The bottom line on Hitpay vs Xendit
Best Overall
Either
It's a tie balances user satisfaction and proven adoption.
Best for Startups
Hitpay
Hitpay has the friendliest entry point for new teams.
Best for Enterprise
Hitpay
Hitpay leads on compliance and feature breadth.
Best Value
Hitpay
Hitpay delivers the lowest cost to get started.
Best AI Features
Either
Comparable AI capabilities on both sides.
Highest Rated
Either
Both earn equal user ratings.