Razorpay vs Xendit: Which Payment Gateways Is Better in 2026?
Compare pricing, features, integrations, verified reviews, AI capabilities, security, and customer satisfaction — side by side, with no marketing spin.
The Short Answer
Razorpay vs Xendit, in 15 seconds
Choose Razorpay if…
- You depend on a broad integration ecosystem
- You want deeper AI and automation features
- You need the broader feature set
Choose Xendit if…
- You prefer Xendit's approach and ecosystem
Head-to-Head Scorecard
How Razorpay and Xendit score
Razorpay leads on 4 of 9 measured dimensions.
- Even
Customer Rating
Average score from verified user reviews
RazorpayNo reviewsXenditNo reviews - Even
Review Volume
Number of verified reviews — a proxy for adoption
Razorpay0Xendit0 - Even
Entry Pricing
Lowest published starting price (free plan = lowest)
RazorpayCustomXenditCustom - Even
Free Access
Availability of a free plan and/or free trial
RazorpayPaid onlyXenditPaid only - Razorpay
Integrations
Number of listed third-party integrations
Razorpay8Xendit6 - Razorpay
Features
Number of listed product capabilities
Razorpay19Xendit6 - Razorpay
AI Features
Capabilities mentioning AI, automation or ML
Razorpay1Xendit— - Even
Security & Compliance
Number of listed compliance certifications
Razorpay2Xendit2 - Razorpay
Platforms & Deployment
Supported platforms and deployment options
Razorpay5Xendit4
Active Deals
Feature Comparison
Razorpay vs Xendit feature breakdown
Search or filter the full feature matrix — core features, AI, integrations, APIs, security and compliance.
Razorpay
XenditPricing Comparison
Razorpay vs Xendit pricing
Entry pricing, plan tiers and the cost factors that shape total cost of ownership.
Razorpay
Custom to start- No setup or maintenance fee
- Standard pricing per successful transaction on domestic cards, UPI & netbanking
- Payment gateway, links, pages & invoices
- Dashboard, reporting & settlements
- Custom transaction pricing
- Dedicated account manager
- Optimized routing & higher success rates
- Priority support & SLAs
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
Razorpay vs Xendit: strengths and trade-offs
Razorpay
Pros
- Broad integration ecosystem (8)
- Compliance: PCI DSS Level 1, ISO 27001
- Stronger AI / automation features
- 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)
- Fewer native integrations than the alternative
Buyer Fit
Who should use Razorpay 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
Razorpay
Razorpay connects to more tools for multi-client workflows.
Enterprises
Razorpay
Razorpay leads on compliance and breadth for complex needs.
Ecommerce
Razorpay
Razorpay integrates with more of the commerce stack.
SaaS companies
Razorpay
Razorpay is the more developer- and automation-friendly choice.
Integration overlap
Shared integrations (2)
Only in Razorpay (6)
Only in Xendit (4)
Keep Exploring
Other alternatives worth considering
Similar payment gateways products buyers compare alongside Razorpay and Xendit.
Ask SIA which solution fits your business
SIA, Saaskart's AI buying assistant, weighs Razorpay 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 recommendationRazorpay vs Xendit — Frequently Asked Questions
What is the difference between Razorpay and Xendit?
Razorpay and Xendit are both Payment Gateways solutions. Razorpay 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, Razorpay or Xendit?
Based on user ratings, Razorpay scores higher at 0.0/5. The best choice depends on your team size, budget, and specific requirements.
Which is cheaper, Razorpay or Xendit?
Both products have custom pricing. We recommend contacting both vendors for a quote tailored to your team size.
Does Razorpay or Xendit have a free plan?
Neither Razorpay nor Xendit currently offers a free plan, but both offer paid plans with various tiers.
Can I switch from Razorpay to Xendit?
Switching between Razorpay 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 Razorpay vs Xendit?
Razorpay is best suited for teams that prioritise enterprise features. Xendit works well for teams needing advanced capabilities.
Our Verdict
The bottom line on Razorpay 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
Razorpay
Razorpay leads on compliance and feature breadth.
Best Value
Either
It's a tie delivers the lowest cost to get started.
Best AI Features
Razorpay
Razorpay ships more AI and automation.
Highest Rated
Either
Both earn equal user ratings.