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Midtrans 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.

Midtrans
Midtrans
Rating
—
Reviews
0
From
Custom

in Fintech & Payments

Xendit
Xendit
Rating
—
Reviews
0
From
Custom

in Fintech & Payments

Jump to scorecard Ask SIA

The Short Answer

Midtrans vs Xendit, in 15 seconds

Choose Midtrans if…

  • You prefer Midtrans's approach and ecosystem

Choose Xendit if…

  • You prefer Xendit's approach and ecosystem

Head-to-Head Scorecard

How Midtrans and Xendit score

It's evenly matched — each leads on 0 of 9 measured dimensions.

  • Customer Rating

    Average score from verified user reviews

    Even
    Midtrans
    No reviews
    Xendit
    No reviews

  • Review Volume

    Number of verified reviews — a proxy for adoption

    Even
    Midtrans
    0
    Xendit
    0

  • Entry Pricing

    Lowest published starting price (free plan = lowest)

    Even
    Midtrans
    Custom
    Xendit
    Custom

  • Free Access

    Availability of a free plan and/or free trial

    Even
    Midtrans
    Paid only
    Xendit
    Paid only

  • Integrations

    Number of listed third-party integrations

    Even
    Midtrans
    6
    Xendit
    6

  • Features

    Number of listed product capabilities

    Even
    Midtrans
    6
    Xendit
    6

  • AI Features

    Capabilities mentioning AI, automation or ML

    Even
    Midtrans
    —
    Xendit
    —

  • Security & Compliance

    Number of listed compliance certifications

    Even
    Midtrans
    2
    Xendit
    2

  • Platforms & Deployment

    Supported platforms and deployment options

    Even
    Midtrans
    4
    Xendit
    4

Feature Comparison

Midtrans vs Xendit feature breakdown

Search or filter the full feature matrix — core features, AI, integrations, APIs, security and compliance.

Midtrans
Xendit
Overview
User rating
—
—
Pricing model
Custom
Custom
Starting price
Custom
Custom
Free version
Free trial
Features
Key capabilities
Online payment acceptancePayment gateway & checkoutLocal payment methodsRecurring paymentsFraud detectionPayouts
Payment acceptancePayouts & disbursementsVirtual accounts & QRSubscriptionsFraud toolsReconciliation
AI features
—
—
Integrations & API
Integrations
Local e-walletsBank transfersRetail outletsShopifyWooCommerceAPIs
Local e-walletsBank transfersRetail outletsShopifyWooCommerceAPIs
Public API
Platforms
Deployment
CloudSaaS
CloudSaaS
Platforms
WebAPI
WebAPI
Mobile support
Security & Compliance
Compliance
PCI DSSBank Indonesia
PCI DSSISO 27001
Vendor
Company
—
—
Verified
Founded
—
—
Headquarters
—
—

Pricing Comparison

Midtrans vs Xendit pricing

Entry pricing, plan tiers and the cost factors that shape total cost of ownership.

Midtrans

Custom to start
Payment GatewayCustom
  • Local methods
  • Checkout & Snap
  • Per-transaction pricing
  • Fraud detection
EnterpriseCustom
  • Recurring payments
  • Payouts (iris)
  • High volume
  • Dedicated support

Xendit

Custom to start
PaymentsCustom
  • Virtual accounts ~0.5%
  • E-wallets ~2.7%
  • Cards ~3%
  • Single API
EnterpriseCustom
  • Payouts & disbursements
  • Fraud & reconciliation
  • High volume
  • Dedicated support

Total cost of ownership factors

Free planMidtrans Xendit
Free trial to evaluateMidtrans Xendit
Transparent published pricingMidtrans Xendit
Public API (build vs. buy add-ons)Midtrans Xendit

Beyond list price, factor in implementation, training, add-ons and per-seat scaling when estimating total cost of ownership.

Pros & Cons

Midtrans vs Xendit: strengths and trade-offs

Midtrans

Pros

  • Compliance: PCI DSS, Bank Indonesia
  • Public API available

Cons

  • No free plan
  • No free trial
  • Pricing is quote-based (less transparent)

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 Midtrans vs Xendit?

Startups

Either

Either keeps early-stage costs lowest with its entry tier.

Small businesses

Either

Either offers the most accessible pricing for lean teams.

Agencies

Either

Either connects to more tools for multi-client workflows.

Enterprises

Either

Either 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 (6)

Local e-walletsBank transfersRetail outletsShopifyWooCommerceAPIs

Only in Midtrans (0)

Only in Xendit (0)

Keep Exploring

Other alternatives worth considering

Similar fintech & payments products buyers compare alongside Midtrans and Xendit.

Stripe

Stripe

$0/mo
Razorpay

Razorpay

Custom
Cashfree

Cashfree

Free
Hitpay

Hitpay

Free
More Midtrans alternatives →More Xendit alternatives →

Ask SIA which solution fits your business

SIA, Saaskart's AI buying assistant, weighs Midtrans 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 recommendation

Midtrans vs Xendit — Frequently Asked Questions

What is the difference between Midtrans and Xendit?

Midtrans and Xendit are both Fintech & Payments solutions. Midtrans 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, Midtrans or Xendit?

Based on user ratings, Midtrans scores higher at 0.0/5. The best choice depends on your team size, budget, and specific requirements.

Which is cheaper, Midtrans or Xendit?

Both products have custom pricing. We recommend contacting both vendors for a quote tailored to your team size.

Does Midtrans or Xendit have a free plan?

Neither Midtrans nor Xendit currently offers a free plan, but both offer paid plans with various tiers.

Can I switch from Midtrans to Xendit?

Switching between Midtrans 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 Midtrans vs Xendit?

Midtrans is best suited for teams that prioritise enterprise features. Xendit works well for teams needing advanced capabilities.

Our Verdict

The bottom line on Midtrans vs Xendit

Best Overall

Either

It's a tie balances user satisfaction and proven adoption.

Best for Startups

Either

It's a tie has the friendliest entry point for new teams.

Best for Enterprise

Either

It's a tie leads on compliance and feature breadth.

Best Value

Either

It's a tie 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.

Ready to decide between Midtrans and Xendit?

Visit Midtrans Visit Xendit Ask SIA
Compare more alternatives →

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