Finance

Xendit

AI-powered payment infrastructure for SEA

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Pricing · PaidRising
The FalcoScan Intel PanelXendit · Finance
Data updated 2 November 2026
Opportunity
High
Band
Saturation
Open
Band
Wrapper risk
Low
Band
Momentum
Rising
Market trend

Finance AI has a narrow moat on average, from the moat scores of its rated products. What protects Finance AI tools, and the widest moats

The Brief

What Xendit does

Indonesia and Singapore-based payment infrastructure for Southeast Asian businesses. Uses ML for fraud detection and risk scoring. Backed by Tiger Global, Accel, Y Combinator. Founded by Moses Lo and Tessa Wijaya.

How Xendit compares with its closest alternatives

4 of the 5 closest alternatives have a free plan; Xendit does not. All 5 offer an API, as Xendit does. Xendit was founded in 2015; the alternatives were founded between 2013 and 2018, 2 of them earlier. Xendit is based in Jakarta, Indonesia; 2 of its 5 alternatives are in Indonesia too, and the others in Nigeria, India and Brazil.

Market position · Finance

How Xendit compares in Finance

Xendit has high opportunity and sits in the top third of 392 live Finance tools on FalcoScan. Across Finance, the average opportunity score is 68.5 and the average saturation score 34.9. FalcoScan rates Xendit's own market position as open. 76 of the 392 operating Finance tools have hot momentum, and FalcoScan has recorded 6 shutdowns in the category.

Xendit compared with its closest alternatives
ProductOpportunitySaturationPricingPricing fromFree planAPIPlatformsMomentum
XenditFounded 2015 · Jakarta, IndonesiaHighOpenPaid—NoYesAPIRising
DANAFounded 2018 · Jakarta, IndonesiaModerateContestedFree—YesYesMobileStable
FlutterwaveFounded 2016 · Lagos, NigeriaHighOpenFreemium—YesYesWeb, API, MobileDeclining
RazorpayFounded 2014 · Bengaluru, IndiaHighOpenFreemium—YesYesWeb, API, MobileRising
CloudWalkFounded 2013 · São Paulo, BrazilModerateOpenPaid—NoYesWeb, API, MobileRising
KredivoFounded 2016 · Jakarta, IndonesiaModerateOpenFreemium—YesYesWeb, API, MobileStable

Exact opportunity and saturation scores for all 6 of these, and where each ranks in Finance.

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What it ships with

Capabilities & who uses it

The capabilities Xendit exposes to builders and the verticals it currently serves.

AI Capabilities
Data AnalysisAutomationReasoning
Industry Verticals
FintechRetailEcommerce
Tagged

Xendit shows up when builders search for these

fintechpaymentsseaindonesiainfrastructure
Similar tools · Finance

Alternatives to Xendit

Products still running that do the same job, from the finance market and related ones, closest match first.

See the Finance market
Finance
DANA

AI-driven digital wallet for Indonesia

Opportunity Moderate
Free
Finance
Flutterwave

AI-powered payment infrastructure for Africa

Opportunity High
Freemium
Finance
Razorpay

AI-driven payments and banking for India

Opportunity High
Freemium
Finance
CloudWalk

AI-driven payments and lending for Brazilian SMBs

Opportunity Moderate
Paid
Finance
Kredivo

AI-driven digital credit for Southeast Asia

Opportunity Moderate
Freemium
Finance
Adyen

AI-powered payments for global enterprises

Opportunity High
Paid
Featured in
Questions

Xendit: common questions

Is Xendit free?

No. Xendit is a paid product.

What are the best alternatives to Xendit?

The closest alternatives to Xendit that are still running, matched on the AI capabilities, uses and audience they share, are DANA, Flutterwave, Razorpay, CloudWalk, and Kredivo.

Is Xendit still running?

Yes. As of 2 November 2026, FalcoScan lists Xendit as operating at xendit.co.

Where is Xendit based?

Xendit is headquartered in Jakarta, Indonesia.

Does Xendit have an API?

Yes. Xendit offers an API.

Who is Xendit for?

Xendit is built for enterprises, small businesses, merchants, and developers.

How do I sign in to Xendit?

Sign in on Xendit's own website, xendit.co. FalcoScan reviews Xendit but does not run its accounts, so logins, passwords and billing are handled by Xendit directly.

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