Xendit Payment Gateway Setup for Ecommerce — QRIS, Cards, Bank Transfer Complete Guide

A payment gateway is the backbone of any ecommerce store. In Indonesia, Xendit is one of the most trusted and widely used payment gateways — powering millions of transactions for businesses of all sizes across Southeast Asia. In this comprehensive guide, we will cover what Xendit is, what payment methods it supports, how much it costs, how it compares to alternatives, and how to set it up for your online store.

What Is Xendit?

Xendit is a leading Southeast Asian payment gateway, founded in 2015 and backed by top-tier investors including Accel, Tiger Global, and Y Combinator. Xendit operates across Indonesia, the Philippines, and other Southeast Asian markets — processing payments for thousands of businesses from startups to large enterprises.

What makes Xendit powerful is its comprehensive support for Indonesian payment methods combined with excellent developer tools and multi-country coverage. Xendit natively supports QRIS, bank transfers (virtual accounts), e-wallets, retail outlet payments, credit/debit cards, and paylater options — the payment methods that Indonesian consumers actually use every day.

Why Xendit for Ecommerce?

Xendit is the preferred payment gateway for Indonesian ecommerce for several important reasons:

Payment Methods Supported by Xendit

One of Xendit's greatest strengths is its comprehensive coverage of Indonesian payment methods. Here is a complete breakdown:

Understanding QRIS — Indonesia's Universal QR Payment

QRIS (Quick Response Code Indonesian Standard) is a standardized QR code payment system introduced by Bank Indonesia. The beauty of QRIS is that a single QR code can be scanned by any e-wallet or banking app — GoPay, OVO, DANA, ShopeePay, LinkAja, BCA Mobile, BNI Mobile, and more. For ecommerce stores, this means you only need to display one QRIS code, and your customers can pay with whichever app they prefer.

QRIS has become the most popular digital payment method in Indonesia because of its simplicity. Customers do not need to enter card numbers, bank details, or OTPs — they simply scan the QR code and confirm the payment. This dramatically reduces checkout friction and increases conversion rates.

Xendit Transaction Fees

Understanding the fee structure is crucial for your business planning. Here is a breakdown of Xendit fees:

Important note: FlexiCommerce charges 0% platform commission on your transactions. You only pay the standard Xendit fees listed above, which go directly to Xendit. Compare this to Shopify, which charges its own 2% transaction fee on top of the payment gateway fee.

Xendit vs Other Indonesian Payment Gateways

How does Xendit compare to other payment gateway options available in Indonesia?

Xendit offers the best combination of payment method coverage, API quality, multi-country support, and disbursement capabilities. Its instant disbursement feature is particularly valuable for multi-vendor marketplaces where vendor payouts need to be fast and reliable. For ecommerce stores targeting the Indonesian market, Xendit is the clear choice.

How to Set Up Xendit for Your Online Store

If you are using FlexiCommerce, the Xendit integration is pre-built and requires zero coding. Here is the simple process:

Total time from sign-up to accepting payments: As fast as 3-5 business days (including Xendit verification). With FlexiCommerce, there is no coding, no plugin installation, no configuration headaches. We handle the entire technical setup for you.

Cash on Delivery (COD) — Still Essential for Indonesian Ecommerce

Despite the rapid growth of digital payments, Cash on Delivery (COD) still accounts for approximately 40% of ecommerce transactions in Indonesia. Many customers, especially in tier-2 and tier-3 cities, prefer paying with cash when the order arrives. If you do not offer COD, you are turning away a significant portion of potential customers.

However, COD comes with challenges that every ecommerce business owner should be aware of:

• Fake orders — Some customers place COD orders with no intention of accepting them, leading to wasted shipping costs
• Return to Origin (RTO) — The customer refuses the package at the door, and you pay for both delivery and return shipping
• Cash collection — Managing cash from delivery partners requires careful reconciliation

FlexiCommerce COD safeguards:

• COD with OTP verification — Customers must verify an OTP before the COD order is confirmed. This eliminates 90% of fake orders.
• COD extra charge — Add a Rp 5.000 - Rp 15.000 COD handling fee to filter out non-serious buyers while covering your logistics overhead.
• COD order limit — Set a maximum order value for COD (for example, COD only for orders below Rp 500.000). This reduces risk on high-value orders.
• COD deposit tracking — Delivery partners deposit collected cash via the app. Admin verifies and reconciles with full transparency.
• Open Box Delivery — Allow customers to inspect the product before accepting. This builds trust and reduces post-delivery disputes.
• COD to Prepaid nudge — Offer a small discount (e.g., Rp 10.000 off) for customers who choose online payment over COD, gradually shifting your order mix toward prepaid.

Best Practices for Ecommerce Payments in Indonesia

1. Offer every payment method available — QRIS + Bank Transfer + Cards + E-Wallets + COD. The more options you offer, the higher your conversion rate. Indonesian consumers have strong preferences, and a missing payment method is a lost sale.
2. Enable QRIS as the default — QRIS is the fastest-growing payment method in Indonesia. It works with every e-wallet and banking app. Make it prominent on your checkout page.
3. Offer COD with safeguards — Do not avoid COD entirely. Instead, use OTP verification and handling fees to reduce fraud while keeping the option available for customers who need it.
4. Show trust signals on checkout — Display the Xendit logo, SSL certificate badge, and secure payment icons on your checkout page. Trust is critical for Indonesian online shoppers.
5. Offer installments for expensive products — For products above Rp 500.000, enable Paylater options (Kredivo, Akulaku). Installment availability increases conversion by 25-30% on high-value items.
6. Send instant payment confirmation — When payment is received, immediately send a WhatsApp message and email confirmation. This reassures customers and reduces "where is my order?" inquiries.
7. Keep checkout fast — Saved addresses, saved payment preferences, and one-click reorder. Every extra step in checkout costs you 10% of potential conversions.

FlexiCommerce + Xendit = Complete Payment Solution

FlexiCommerce comes with Xendit pre-integrated out of the box. No coding, no plugins, no complex API configuration — our team sets up everything for you. Here is what you get:

• Xendit fully configured with all payment methods (QRIS, Cards, Virtual Account, E-Wallets, Retail Outlets)
• COD with OTP verification and handling fee (built-in)
• Internal wallet system (Flexi Coins) for store credit and refunds
• Gift card and voucher support
• Abandoned cart recovery with direct payment links
• Automatic payment status updates and order confirmation
• PPN 11% tax calculation (automatic)
• Multi-vendor payout management via Xendit disbursements (Business plan)

All of this is included in the FlexiCommerce platform — no additional fees, no per-transaction commissions from our side. You only pay the standard Xendit transaction fees.