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Xendit

Xendit

Southeast Asian e-commerce

VS

Utrust

Crypto-to-fiat

Utrust
Fees from
3%–4% + $0.8 vs 1%
Features

0 shared

3 unique to Xendit · 4 unique to Utrust
Regions

0 shared

2 unique to Xendit · 2 unique to Utrust
Pay methods

2 shared

20 unique to Xendit · 7 unique to Utrust

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Show full specs
7 features · 29 payment methods · 4 regions. We don't rank these — they're here for reference.
Xendit Xendit
Utrust Utrust
Quick Facts
Fees
Standard transaction rate
3%–4% + $0.8
1%
Settlement
Time to receive funds
1–2 business days
Instant
Founded
2015
2017
Headquarters
Jakarta, Indonesia
Lisbon, Portugal
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Utrust leads (4 vs 3)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
✓
—
Low Fees Unique
—
✓
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Xendit leads (22 vs 9)
Alipay Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
—
✓
Bank Transfer Unique
✓
—
Bitcoin Unique
—
✓
Bnpl Unique
✓
—
Credit Card Unique
✓
—
Crypto Unique
—
✓
Debit Card Unique
✓
—
Digital Wallet Unique
✓
—
Direct Debit Unique
✓
—
Ethereum Unique
—
✓
Fpx Unique
✓
—
Gcash Unique
✓
—
Google Pay Unique
—
✓
Grabpay Unique
✓
—
Jcb Unique
✓
—
Line Pay Unique
✓
—
Mastercard
✓
✓
Payment Link Unique
✓
—
Paynow Unique
✓
—
Promptpay Unique
✓
—
Qr Code Unique
✓
—
Unionpay Unique
✓
—
Usdc Unique
—
✓
Usdt Unique
—
✓
Virtual Account Unique
✓
—
Visa
✓
✓
Wechat Pay Unique
✓
—
Regions
Asia Unique
✓
—
Europe Unique
—
✓
North America Unique
—
✓
Southeast Asia Unique
✓
—

Xendit is best when you...

Southeast Asian e-commerce
Need Instant Sandbox
Not available with Utrust
Need Recurring Payments
Not available with Utrust
Want coverage in Asia, Southeast Asia
Utrust doesn't cover these regions
View Xendit

Utrust is best when you...

Crypto-to-fiat
Need Crypto Support
Not available with Xendit
Need High Risk Accepted
Not available with Xendit
Want coverage in Europe, North America
Xendit doesn't cover these regions
View Utrust

Frequently Asked Questions

What is the difference between Xendit and Utrust?
They share 2 payment methods and 0 regions. Xendit adds Alipay, Amex, Bank Transfer and 17 more that Utrust does not list; Utrust adds Apple Pay, Bitcoin, Crypto and 4 more that Xendit does not list; Xendit also covers Asia, Southeast Asia; Utrust also covers Europe, North America.
Which is cheaper, Xendit or Utrust?
Xendit has published rates from 3%–4% + $0.8; Utrust has published rates from 1%. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Xendit and Utrust?
Xendit lists 2 regions and 22 payment methods; Utrust lists 2 and 9. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Xendit and Utrust compare on integration and settlement?
both offer a sandbox; both support webhooks; Xendit settles in 1–2 business days, Utrust in Instant.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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