Xendit

Xendit is a payments infrastructure provider for Southeast Asia, giving businesses in Indonesia, the Philippines, and the wider region a single REST API to accept payments, disburse funds, and manage money movement. The unified Payments API accepts virtual accounts, e-wallets (OVO, DANA, GoPay, ShopeePay, GCash, GrabPay, Maya), QR (QRIS / QR Ph), cards, direct debit, and retail outlets through Payment Requests and Payment Tokens; complementary APIs cover hosted Invoices, Payouts / disbursements, Balance, Transactions, Customers, and Refunds. All requests are authenticated with a secret API key over HTTP Basic against the base host https://api.xendit.co.

Xendit publishes 8 APIs on the APIs.io network, including Balance API, Customers API, Invoices API, and 5 more. Tagged areas include Payments, Fintech, Payment Gateway, Southeast Asia, and Indonesia.

Xendit’s developer surface includes authentication, documentation, engineering blog, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

37.2/100 thin ▬ flat Agent 28/100 agent aware saas Full breakdown ↓
scored 2026-09-19 · rubric v0.22.0

AccessPaid

1 APIs

Payments Fintech Payment Gateway Southeast Asia Indonesia Philippines Disbursements E-Wallet Virtual Accounts Cards Financial Infrastructure

Kin Score

Kin Score How this is scored →
scored 2026-09-19 · rubric v0.22.0

Composite quality — 37.2/100 · thin

Contract Quality 10.5 / 19

Developer Ergonomics 4.7 / 15

Access Clarity 4.3 / 15

Operational Transparency 3.3 / 10

Contract Governance 0.0 / 9

Discoverability 5.1 / 8

Regulatory Posture 2.8 / 15

Create-or-Update Ergonomics 2.8 / 10

Agent readiness — 28/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/xendit: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 8

Individual APIs this provider publishes, each with its own machine-readable definition.

Xendit Balance API

Retrieve account balances by type and currency.

Xendit Customers API

Create and manage customer records.

Xendit Invoices API

Xendit-hosted invoices / payment links.

Xendit Payment Requests API

Unified Payments API - charge end users across all channels.

Xendit Payment Tokens API

Save reusable payment methods for future and recurring charges.

Xendit Payouts API

Disburse funds to bank accounts and e-wallets.

Xendit Refunds API

Refund successful payment requests.

Xendit Transactions API

List and retrieve money-movement transactions.

Scroll for all 8

Open Collections 10

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Xendit Balance API

OPEN COLLECTION

Xendit Balance Customers API

OPEN COLLECTION

Xendit Balance Invoices API

OPEN COLLECTION

Xendit Balance Payment Requests API

OPEN COLLECTION

Xendit Balance Payment Tokens API

OPEN COLLECTION

Xendit Balance Payouts API

OPEN COLLECTION

Xendit Balance Refunds API

OPEN COLLECTION

Xendit Balance Transactions API

OPEN COLLECTION

Xendit API

OPEN COLLECTION

Scroll for all 10

Pricing Plans 1

Published pricing tiers and plan structures.

Xendit Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Xendit Rate Limits

4 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Xendit Finops

FINOPS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Xendit Authentication

http · 1 scheme

SECURITY

Xendit Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Xendit Agentic Access

20 operations · 10 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Source (apis.yml)

aid: xendit
url: https://raw.githubusercontent.com/api-evangelist/xendit/refs/heads/main/apis.yml
name: Xendit
kind: company
description: Xendit is a payments infrastructure provider for Southeast Asia, giving businesses in Indonesia, the Philippines,
  and the wider region a single REST API to accept payments, disburse funds, and manage money movement. The unified Payments
  API accepts virtual accounts, e-wallets (OVO, DANA, GoPay, ShopeePay, GCash, GrabPay, Maya), QR (QRIS / QR Ph), cards, direct
  debit, and retail outlets through Payment Requests and Payment Tokens; complementary APIs cover hosted Invoices, Payouts
  / disbursements, Balance, Transactions, Customers, and Refunds. All requests are authenticated with a secret API key over
  HTTP Basic against the base host https://api.xendit.co.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/xendit.png
tags:
- Payments
- Fintech
- Payment Gateway
- Southeast Asia
- Indonesia
- Philippines
- Disbursements
- E-Wallet
- Virtual Accounts
- Cards
- Financial Infrastructure
created: '2026-07-12'
modified: '2026-07-12'
specificationVersion: '0.23'
apis:
- aid: xendit:xendit-balance-api
  name: Xendit Balance API
  description: Retrieve account balances by type and currency.
  humanURL: https://docs.xendit.co/apidocs/create-payment-request
  baseURL: https://api.xendit.co
  tags:
  - Balances
  tags_raw:
  - Balance
  properties:
  - type: OpenAPI
    url: openapi/xendit-balance-api-openapi.yml
  - type: Documentation
    url: https://docs.xendit.co/apidocs/introduction
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payment-request
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payment-token
  - type: Documentation
    url: https://docs.xendit.co/apidocs/payment-link
  - type: Documentation
    url: https://docs.xendit.co/apidocs/payouts-introduction
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payout-v3
  - type: APIReference
    url: https://docs.xendit.co/apidocs/get-balance
  - type: APIReference
    url: https://docs.xendit.co/apidocs/list-transactions
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-customer-request
  - type: APIReference
    url: https://docs.xendit.co/apidocs/refund-payment-request
- aid: xendit:xendit-customers-api
  name: Xendit Customers API
  description: Create and manage customer records.
  humanURL: https://docs.xendit.co/apidocs/create-payment-request
  baseURL: https://api.xendit.co
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/xendit-customers-api-openapi.yml
  - type: Documentation
    url: https://docs.xendit.co/apidocs/introduction
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payment-request
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payment-token
  - type: Documentation
    url: https://docs.xendit.co/apidocs/payment-link
  - type: Documentation
    url: https://docs.xendit.co/apidocs/payouts-introduction
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payout-v3
  - type: APIReference
    url: https://docs.xendit.co/apidocs/get-balance
  - type: APIReference
    url: https://docs.xendit.co/apidocs/list-transactions
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-customer-request
  - type: APIReference
    url: https://docs.xendit.co/apidocs/refund-payment-request
- aid: xendit:xendit-invoices-api
  name: Xendit Invoices API
  description: Xendit-hosted invoices / payment links.
  humanURL: https://docs.xendit.co/apidocs/create-payment-request
  baseURL: https://api.xendit.co
  tags:
  - Invoices
  properties:
  - type: OpenAPI
    url: openapi/xendit-invoices-api-openapi.yml
  - type: Documentation
    url: https://docs.xendit.co/apidocs/introduction
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payment-request
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payment-token
  - type: Documentation
    url: https://docs.xendit.co/apidocs/payment-link
  - type: Documentation
    url: https://docs.xendit.co/apidocs/payouts-introduction
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payout-v3
  - type: APIReference
    url: https://docs.xendit.co/apidocs/get-balance
  - type: APIReference
    url: https://docs.xendit.co/apidocs/list-transactions
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-customer-request
  - type: APIReference
    url: https://docs.xendit.co/apidocs/refund-payment-request
- aid: xendit:xendit-payment-requests-api
  name: Xendit Payment Requests API
  description: Unified Payments API - charge end users across all channels.
  humanURL: https://docs.xendit.co/apidocs/create-payment-request
  baseURL: https://api.xendit.co
  tags:
  - Payment Requests
  properties:
  - type: OpenAPI
    url: openapi/xendit-payment-requests-api-openapi.yml
  - type: Documentation
    url: https://docs.xendit.co/apidocs/introduction
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payment-request
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payment-token
  - type: Documentation
    url: https://docs.xendit.co/apidocs/payment-link
  - type: Documentation
    url: https://docs.xendit.co/apidocs/payouts-introduction
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payout-v3
  - type: APIReference
    url: https://docs.xendit.co/apidocs/get-balance
  - type: APIReference
    url: https://docs.xendit.co/apidocs/list-transactions
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-customer-request
  - type: APIReference
    url: https://docs.xendit.co/apidocs/refund-payment-request
- aid: xendit:xendit-payment-tokens-api
  name: Xendit Payment Tokens API
  description: Save reusable payment methods for future and recurring charges.
  humanURL: https://docs.xendit.co/apidocs/create-payment-request
  baseURL: https://api.xendit.co
  tags:
  - Payment-Tokens
  tags_raw:
  - Payment Tokens
  properties:
  - type: OpenAPI
    url: openapi/xendit-payment-tokens-api-openapi.yml
  - type: Documentation
    url: https://docs.xendit.co/apidocs/introduction
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payment-request
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payment-token
  - type: Documentation
    url: https://docs.xendit.co/apidocs/payment-link
  - type: Documentation
    url: https://docs.xendit.co/apidocs/payouts-introduction
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payout-v3
  - type: APIReference
    url: https://docs.xendit.co/apidocs/get-balance
  - type: APIReference
    url: https://docs.xendit.co/apidocs/list-transactions
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-customer-request
  - type: APIReference
    url: https://docs.xendit.co/apidocs/refund-payment-request
- aid: xendit:xendit-payouts-api
  name: Xendit Payouts API
  description: Disburse funds to bank accounts and e-wallets.
  humanURL: https://docs.xendit.co/apidocs/create-payment-request
  baseURL: https://api.xendit.co
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/xendit-payouts-api-openapi.yml
  - type: Documentation
    url: https://docs.xendit.co/apidocs/introduction
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payment-request
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payment-token
  - type: Documentation
    url: https://docs.xendit.co/apidocs/payment-link
  - type: Documentation
    url: https://docs.xendit.co/apidocs/payouts-introduction
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payout-v3
  - type: APIReference
    url: https://docs.xendit.co/apidocs/get-balance
  - type: APIReference
    url: https://docs.xendit.co/apidocs/list-transactions
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-customer-request
  - type: APIReference
    url: https://docs.xendit.co/apidocs/refund-payment-request
- aid: xendit:xendit-refunds-api
  name: Xendit Refunds API
  description: Refund successful payment requests.
  humanURL: https://docs.xendit.co/apidocs/create-payment-request
  baseURL: https://api.xendit.co
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/xendit-refunds-api-openapi.yml
  - type: Documentation
    url: https://docs.xendit.co/apidocs/introduction
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payment-request
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payment-token
  - type: Documentation
    url: https://docs.xendit.co/apidocs/payment-link
  - type: Documentation
    url: https://docs.xendit.co/apidocs/payouts-introduction
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payout-v3
  - type: APIReference
    url: https://docs.xendit.co/apidocs/get-balance
  - type: APIReference
    url: https://docs.xendit.co/apidocs/list-transactions
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-customer-request
  - type: APIReference
    url: https://docs.xendit.co/apidocs/refund-payment-request
- aid: xendit:xendit-transactions-api
  name: Xendit Transactions API
  description: List and retrieve money-movement transactions.
  humanURL: https://docs.xendit.co/apidocs/create-payment-request
  baseURL: https://api.xendit.co
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/xendit-transactions-api-openapi.yml
  - type: Documentation
    url: https://docs.xendit.co/apidocs/introduction
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payment-request
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payment-token
  - type: Documentation
    url: https://docs.xendit.co/apidocs/payment-link
  - type: Documentation
    url: https://docs.xendit.co/apidocs/payouts-introduction
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-payout-v3
  - type: APIReference
    url: https://docs.xendit.co/apidocs/get-balance
  - type: APIReference
    url: https://docs.xendit.co/apidocs/list-transactions
  - type: APIReference
    url: https://docs.xendit.co/apidocs/create-customer-request
  - type: APIReference
    url: https://docs.xendit.co/apidocs/refund-payment-request
common:
- type: AgenticAccess
  url: agentic-access/xendit-agentic-access.yml
- type: DomainSecurity
  url: security/xendit-domain-security.yml
- type: Authentication
  url: authentication/xendit-authentication.yml
- type: GitHubOrganization
  url: https://github.com/xendit
- type: LinkedIn
  url: https://www.linkedin.com/company/xendit
- type: Website
  url: https://www.xendit.co
- type: Documentation
  url: https://docs.xendit.co
- type: Plans
  url: plans/xendit-plans-pricing.yml
- type: RateLimits
  url: rate-limits/xendit-rate-limits.yml
- type: FinOps
  url: finops/xendit-finops.yml
- url: https://www.xendit.co/en/blog/
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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