# Xendit

**Canonical:** https://apis.io/providers/xendit/  
**Website:** https://www.xendit.co  
**APIs profiled:** 1

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.

## Kin Score — 35.2 / 100 (thin)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (-0.5 from 35.7).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 55.8 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 31.0 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Payments**: 18.8 (matched via tags).

## Agent readiness — 21.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (8)

- **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.

## Agentic access (1)

- **Xendit Agentic Access** — 20 operations · 10 acting

## Security (2)

- **Xendit Authentication** — http · 1 scheme
- **Xendit Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Xendit Plans Pricing**

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/xendit/). Scores are computed from the provider's own public artifacts under a published rubric.