Xendit · FinOps Profile

Xendit Finops

FinOps view of Xendit spend. Xendit is a usage-priced payments platform: there is no subscription or API platform fee, and cost is incurred per transaction. Money accepted carries a payment-method fee (a percentage, a flat fee, or both, varying by country and channel) plus a Xendit processing fee; money disbursed carries a payout fee (typically a percentage with a per-transaction minimum). Local taxes apply on top - for example Indonesia adds 11% PPN VAT to processing fees. Refunds and reversals can carry their own handling. Because fees scale directly with payment volume and channel mix, cost optimization is primarily about steering customers toward lower-fee channels and negotiating volume rates.

Xendit Finops is the FinOps profile for Xendit on the APIs.io network, aligned with the FinOps Foundation Framework.

It defines 5 billable meters, billed in Multi-Currency (IDR, PHP, USD, and others), on a per-transaction cycle, and pricing category usage-based.

The profile maps 8 FOCUS columns for cost-allocation reporting.

Tagged areas include Payments, Fintech, Southeast Asia, Indonesia, and Philippines.

Category: Payments and Financial Infrastructure Pricing: Usage-Based Billing: Per-Transaction FOCUS v1.3
PaymentsFintechSoutheast AsiaIndonesiaPhilippinesFinOpsCost ManagementFOCUS

Framework Alignment

Framework
FinOps Foundation Framework
Data Spec
FOCUS v1.3

Charge Categories

UsageTaxAdjustment

FOCUS Columns

BillingCurrency
IDR
ChargeCategory
Usage
InvoiceIssuerName
Xendit
PricingCategory
Usage-Based
ProviderName
Xendit
PublisherName
Xendit
ServiceCategory
Payments and Financial Infrastructure
ServiceName
Xendit Payments

Meters

acceptance_percentage_fee
Unit: percent
Percentage payment-method fee on accepted transactions, varying by channel and country.
acceptance_flat_fee
Unit: currency
Flat per-transaction fee on accepted payments (e.g. IDR 4,000 processing, PHP 11.00).
payout_fee
Unit: currency
Fee on disbursements / payouts to bank accounts and e-wallets (percentage plus minimum).
tax
Unit: currency
Local taxes applied on top of fees (e.g. 11% PPN VAT in Indonesia).
refund_handling
Unit: currency
Any handling associated with refunds and reversals.

Sources