Xendit Payment: Best Payment Solution in Indonesia | What is it?

Indonesia is Southeast Asia’s largest digital economy — and it's growing fast. For businesses entering this market, building a localised, trustworthy, and seamless checkout experience is critical. A generic payment gateway simply won’t cut it.

At Journeyhorizon, we help businesses launch and scale custom marketplaces on Sharetribe. And for clients targeting Indonesia, we integrate Xendit payment to ensure your platform aligns with local expectations and regulatory standards. In this article, we explore what is Xendit, why it’s considered the most reliable payment gateway in Indonesia, and how Journeyhorizon implements it to power high-performance marketplaces.

1. What is Xendit Payment?

Xendit is a Southeast Asia-based payment gateway that enables businesses to accept payments from a wide range of local sources — from e-wallets and virtual bank accounts to retail payment outlets. Operating with full regulatory compliance, Xendit is the preferred choice for startups, enterprises, and platforms looking to operate across Indonesia and the Philippines.

What sets Xendit apart is its deep understanding of local payment behaviours. It’s not just about offering “more methods” — it’s about offering the right methods, with infrastructure that is developer-friendly and scalable.

Key highlights:

• Headquartered in Jakarta with strong local partnerships
• Officially registered with Bank Indonesia (BI)
• Used by major platforms like Traveloka, Bukalapak, and Xiaomi
• Designed for fast, secure, and compliant transactions

With Xendit, businesses gain access to a gateway that is not only technically advanced but also locally rooted.

2. Why Use Xendit for Your Indonesian Marketplace?

Entering the Indonesian market requires more than translating your UI. You need to offer the payment options locals know, trust, and prefer. That’s where Xendit payment excels.

Here’s how it aligns with your growth strategy:

• Comprehensive e-wallet support
  Indonesia is a mobile-first economy. Xendit supports all major e-wallets — including GoPay, OVO, DANA, ShopeePay — making it easy for buyers to complete purchases from their phones without a credit card.
• Bank transfers and virtual accounts
  For users without e-wallets, Xendit enables real-time bank transfers across major Indonesian banks (e.g., BCA, Mandiri, BRI). Virtual accounts ensure each customer gets a unique payment ID, which improves reconciliation accuracy and reduces errors.
• Over-the-counter retail payments
  Many Indonesians still prefer paying in cash. Xendit supports payments through outlets like Indomaret and Alfamart, extending reach to unbanked and rural customers.
• Buy Now, Pay Later (PayLater)
  By integrating with platforms like Kredivo and Akulaku, Xendit lets you offer PayLater options. This helps increase order volume, especially for higher-ticket items.
• Fast settlement and real-time confirmation
  Payments are confirmed instantly and settled within 1–2 days, which keeps your vendors happy and operations smooth.

With Xendit, your marketplace doesn't just accept payments — it speaks the language of Indonesian consumers.

3. Seamless Integration Capabilities

From a technical standpoint, Xendit stands out for its ease of implementation and scalability. Whether you’re building on Sharetribe, Shopify, or a custom stack, Xendit provides the tools and infrastructure you need.

• Real-time payment status tracking
  Xendit provides live updates on each transaction’s status — pending, completed, failed — allowing admins, sellers, and buyers to act without delay or confusion.
• Batch disbursement APIs for vendor payouts
  Marketplaces with multiple sellers benefit from Xendit’s batch payout API, which allows the platform to send bulk vendor payments efficiently and with complete audit trails.
• Subscription and recurring billing support
  Ideal for marketplaces with memberships or recurring service fees, Xendit automates renewals while keeping payment experiences smooth for returning users.
• Built-in fraud detection and 3D Secure
  With automated fraud filters and support for 3D Secure, Xendit protects your transactions without adding unnecessary friction for legitimate buyers.
• Localized invoice and tax handling
  Xendit invoices follow local regulatory requirements (PPN, NPWP), reducing back-office effort and ensuring you're always compliant with Indonesian tax law.

These features give your marketplace the stability, speed, and flexibility needed to serve both users and vendors at scale.

4. Journeyhorizon’s Approach: Leveraging Xendit for Indonesian Marketplaces

As a Sharetribe Developers, Journeyhorizon doesn't just build marketplaces — we build ecosystems designed to thrive in specific regions. And when entering Indonesia, Xendit becomes a core piece of that puzzle.

Here’s how we apply our expertise:

• Tailored integration for local checkout UX
  We adapt the Xendit flow to match your marketplace’s user journey — from cart to confirmation — ensuring buyers encounter familiar payment steps and terminology.
• Vendor payout configuration
  We set up rules and workflows for automatic or manual disbursement to vendors, aligned with how your business handles commissions, taxes, and payment cycles.
• KYC and onboarding flows
  For marketplaces that require vendors to undergo KYC (Know Your Customer), we design front-end workflows that sync with Xendit’s compliance API, reducing onboarding friction.
• Admin tools for monitoring
  We develop custom admin dashboards to help you track payment performance, failed attempts, dispute handling, and payout history — all in real time.

Working with Journeyhorizon means getting more than technical implementation. You get strategic insight, local market knowledge, and end-to-end marketplace delivery.

5. Xendit + Sharetribe: The Journeyhorizon Solution

Our clients often ask, “Can Sharetribe support advanced payment logic for Southeast Asia?”

With Journeyhorizon and Xendit payment gateway, the answer is yes. As Pasar Jama - Our client in Indonesia market, we integrated Xendit as payment solution for this business.

We extend Sharetribe Flex or Sharetribe Go to support:

• Multi-vendor payments and commissions
• E-wallet, bank, and retail payment flows
• Buyer and vendor dashboards with Xendit-linked payment history
• Refund handling and dispute resolution workflows
• Integration with Xendit’s recurring billing APIs

We also make sure your marketplace meets the UX expectations of Indonesian users — smooth on mobile, fast to complete, and crystal clear at checkout.

If you're already on Sharetribe and want to localise for Indonesia, or starting fresh — we’ll help you go live with a marketplace that feels native from day one.

6. Ready to Launch in Indonesia?

If you're targeting the Indonesian market, it's not enough to translate content or localise visuals — your payment infrastructure must match local expectations. And the smartest way to do that is with Xendit, fully integrated by Journeyhorizon.

Let’s launch a marketplace that’s ready for real growth in Southeast Asia.

7. Conclusion

Xendit is more than a payment processor — it's an enabler for serious market entry in Indonesia. And Journeyhorizon is the Sharetribe development partner that transforms that potential into a real, working marketplace.

We combine deep marketplace expertise with hands-on experience integrating Xendit payment across different verticals — from B2C retail to service marketplaces.

Let’s build your next big move. Locally optimised. Globally scalable.

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