Xendit processes payments for thousands of Philippine sellers. Here are the real fees, all supported payment methods, and an honest comparison against PayMongo — so you know exactly what you are paying before you integrate.
How Do Xendit Philippines Fees Compare to Other Gateways?
Xendit is a BSP-regulated payment gateway that charges 3.2% plus ₱10 per local card transaction in the Philippines, per their published pricing as of early 2026. For e-wallets, rates range from 1.8% (Maya) to 2.3% (GCash). PayMongo charges 3.125% plus ₱13.39 for cards — making Xendit slightly cheaper per transaction at order values above ₱300.
All rates reflect publicly available pricing from Xendit’s pricing page and PayMongo’s pricing page as of early 2026. Actual rates may differ based on business type, monthly volume, and negotiated terms.
| Gateway | Card Rate | Fixed Fee | Settlement |
|---|---|---|---|
| Xendit Philippines | 3.2% (local) | ₱10.00 | Varies by method |
| PayMongo | 3.125% (local) | ₱13.39 | 2–7 business days (standard) |
| Dragonpay | Not offered | — | T+1 to T+3 (bank transfers) |
Dragonpay does not process card payments — it focuses on bank transfers and over-the-counter channels. That makes Xendit and PayMongo the two primary card-accepting gateways for Philippine ecommerce sellers.
The math matters more than the headline rate. At ₱1,500 average order value — a common transaction size for Philippine fashion and electronics stores — Xendit’s per-transaction cost is ₱58.00 (3.2% × ₱1,500 + ₱10). PayMongo’s is ₱60.27 (3.125% × ₱1,500 + ₱13.39). That ₱2.27 difference seems small. At 1,000 card transactions per month, it adds up to ₱2,270 in monthly gateway savings in Xendit’s favour.
Below ₱300 average order value, the fixed fee gap narrows (₱10 vs ₱13.39), and the comparison becomes tighter. At ₱200 average order value: Xendit costs ₱16.40, PayMongo costs ₱19.64. Xendit remains cheaper for most typical Philippine ecommerce basket sizes.
International card rates are closer: Xendit at 4.2% + ₱10, PayMongo at 4.02% + ₱13.39. At ₱1,500 average order value for an international card: Xendit ₱73.00, PayMongo ₱73.69. Near-identical.
What Payment Methods Does Xendit Philippines Support?
Xendit Philippines supports 30+ payment methods including GCash, Maya, GrabPay, ShopeePay, Visa and Mastercard, QR Ph, direct bank debit, virtual accounts, and over-the-counter channels at Cebuana, MLhuillier, and 7-Eleven. This covers the majority of how Philippine consumers pay online.
E-wallets are the fastest-growing payment method in the Philippines. Per BSP payment system reports, GCash and Maya together account for a significant share of retail digital payments — and failing to accept them at checkout means losing buyers who do not use cards. Here is Xendit’s full e-wallet fee breakdown:
| E-Wallet | Xendit Rate | PayMongo Rate |
|---|---|---|
| GCash | 2.3% | 2.23% |
| Maya | 1.8% | 1.79% |
| GrabPay | 2.0% | 1.96% |
| ShopeePay | 2.0% | 1.70% |
PayMongo is marginally cheaper across all four e-wallets. The largest gap is ShopeePay: PayMongo charges 1.70% against Xendit’s 2.0%. At 500 ShopeePay transactions per month at ₱800 average order value, PayMongo saves approximately ₱1,200 per month on ShopeePay alone. If ShopeePay drives high volume on your store, PayMongo has a meaningful rate advantage for that channel.
Beyond e-wallets, Xendit covers:
- QR Ph: 1.4% or ₱15 per transaction (whichever is higher), connecting to all QR Ph-enabled banking apps
- Direct bank debit (BPI, UBP): 1% or ₱25 (whichever is higher) — pulls directly from linked accounts
- Bank transfer (BPI, UBP, RCBC): 1% or ₱15 (whichever is higher)
- Over-the-counter: ₱25 flat at Cebuana, ECPay, LBC, and Robinsons; ₱20 flat at MLhuillier, Palawan Express, USSC, and SM Payment Counters; 1.5% or ₱15 at 7-Eleven
- BillEase BNPL: 1.5% per transaction for buy-now-pay-later checkout
OTC coverage matters for Philippine ecommerce. A segment of Philippine buyers — particularly outside Metro Manila — still prefers paying cash at local outlets. Accepting Cebuana and MLhuillier payments reduces your checkout abandonment from buyers who do not have active bank accounts or e-wallets.
Is your store accepting all the payment methods your Philippine buyers actually use? Check our complete payment gateway comparison for the Philippines to see how Xendit stacks up across every channel.
How Does Xendit Philippines Handle Settlement and Payouts?
Xendit Philippines settlement times vary by payment method. Some methods settle instantly, while card and bank transfer settlements follow standard Philippine interbank timelines. Xendit charges ₱10 per payout to any of 42+ supported banks or major e-wallets, available any day including weekends and public holidays.
Settlement speed directly affects your working capital. A gateway that holds your funds for five to seven business days creates a cash flow gap if you are paying suppliers or running paid ads ahead of revenue.
Xendit’s settlement structure works like this:
- E-wallets: Settlement timing varies by wallet provider and integration type
- Cards: Follow standard Philippine card network processing timelines
- Bank transfers and virtual accounts: Depend on BSP InstaPay and PesoNET cut-off times
- Instant payout option: Available at a small additional fee for time-sensitive fund access
PayMongo’s published settlement timeline is 2–7 business days as standard, with instant settlement available for an additional fee: up to 2% for QR Ph and bank transfers, up to 3% for cards and BNPL, per their pricing page.
For payouts — sending money to suppliers, partners, or employees — Xendit charges ₱10 per transaction to any of 42+ banks via InstaPay or PesoNET, and ₱10 per e-wallet transfer. Payouts run 24 hours per day, including holidays. PayMongo charges the same ₱10 per payout transaction.
Subscription billing is also available through Xendit at ₱10 per active plan per month. This covers automated recurring payments via e-wallets, credit cards, and direct debit — relevant for stores running subscription box or membership models.
Which Platforms Does Xendit Philippines Integrate With?
Xendit Philippines offers pre-built integrations for Shopify, WooCommerce, and major ecommerce platforms, plus a REST API with English documentation for custom integrations. Over-the-counter and virtual account payments require API-level or plugin setup, not just a payment gateway app.
Philippine ecommerce runs primarily on Shopify and WooCommerce. Xendit supports both:
Shopify: Xendit has a Shopify payment app that merchants can install directly from the Shopify App Store. Once connected to a Xendit merchant account, you can accept cards, e-wallets, and other supported payment methods at Shopify checkout without writing code.
WooCommerce: Xendit maintains a WooCommerce plugin. Setup requires installing the plugin, adding your Xendit API keys, and configuring which payment methods to enable. The plugin handles card, e-wallet, and virtual account payments through the standard WooCommerce checkout.
Custom integrations: Xendit’s REST API supports custom checkout flows, mobile apps, and backend-triggered payments. API documentation is available in English on their developer portal.
Platform comparison with PayMongo: PayMongo also offers Shopify and WooCommerce plugins, plus integrations with Magento and direct payment link tools for social commerce sellers — useful for Lazada, Shopee, and Facebook Marketplace sellers who collect payment outside a traditional checkout.
One integration decision that affects Philippine sellers: if you run a marketplace or platform with sub-merchants, Xendit offers platform payments at ₱85 per active sub-account per month plus 0.5% (capped at ₱35) per internal transfer. This is a specialist product for aggregators and franchise models, not a standard ecommerce gateway feature.
Is Xendit Philippines BSP-Licensed and PCI-Compliant?
Xendit Philippines Inc and XenRemit, Inc are supervised and regulated by the Bangko Sentral ng Pilipinas (BSP), per their official website. BSP registration means Xendit is subject to Philippine financial regulations, anti-money laundering requirements, and consumer protection rules. Xendit also maintains internationally recognized security certifications.
BSP regulation is not optional for legitimate payment operations in the Philippines — it is the baseline. Any payment processor handling Philippine peso transactions must register with the BSP’s payment system operators registry. Xendit’s BSP registration covers both their payment gateway and their remittance operations under XenRemit, Inc.
BSP contact channels for complaints: their webchat at bsp.gov.ph, their Facebook page (BangkoSentralngPilipinas), or SMS at 21582277.
PCI DSS compliance governs how card data is handled. Before integrating any payment gateway, verify their PCI DSS certification status — it confirms cardholder data is processed according to international security standards. Xendit’s security certifications are listed on their official website.
For fraud prevention: Xendit operates in-house fraud monitoring on transactions. Philippine ecommerce experiences elevated card fraud and account takeover attempts — any gateway you choose should be able to explain their fraud detection approach, chargeback handling policy, and what liability you carry as a merchant on disputed transactions.
Which Philippine Sellers Should Use Xendit?
Xendit Philippines is the stronger choice for sellers with high card volume, diverse OTC payment needs, or marketplace/platform structures. PayMongo is the better fit for sellers prioritizing ShopeePay and lower onboarding friction. The right choice depends on your payment method mix and monthly transaction volume.
Use Xendit if:
- Card volume is high. Xendit’s card rate (3.2% + ₱10) is cheaper than PayMongo at most Philippine order values, and the gap compounds with volume.
- You need OTC channels. Xendit covers more OTC outlets (Cebuana, MLhuillier, LBC, Robinsons, SM) than PayMongo. For sellers reaching buyers outside Metro Manila who prefer cash payments, this is a meaningful coverage difference.
- You run a marketplace or platform. Xendit’s platform payments product — sub-merchant onboarding, payment splitting, internal transfers — is built for marketplace operators. PayMongo’s platform product is enterprise-tier with custom pricing.
- You want broad bank direct debit coverage. Xendit’s direct debit covers BPI, UnionBank (UBP), and RCBC. PayMongo’s direct online banking covers BDO, UnionBank, BPI, Landbank, and Metrobank — giving PayMongo slightly broader bank coverage on this channel.
Use PayMongo if:
- ShopeePay drives significant volume. PayMongo’s 1.70% ShopeePay rate against Xendit’s 2.0% creates a real monthly cost difference at scale.
- You want simpler merchant onboarding. PayMongo is designed for Philippine-market sellers from the ground up, with faster account approval and a leaner dashboard for new merchants.
- You need direct online banking for high-volume bank transfers. PayMongo’s 0.71% direct banking rate (vs Xendit’s 1% or ₱15 minimum) is lower for larger bank transfer amounts.
The math for a mixed payment store: if your monthly volume runs 60% cards, 30% e-wallets, and 10% OTC at ₱1,200 average order value, Xendit’s blended gateway cost will be slightly lower. If your mix runs 50% ShopeePay and 50% cards, PayMongo’s e-wallet advantage may offset Xendit’s card advantage. Run your actual payment method mix against both fee tables before deciding.
Frequently Asked Questions
How much does Xendit charge per transaction in the Philippines?
Xendit Philippines charges 3.2% plus ₱10 per successful local card transaction, per publicly available pricing as of early 2026. E-wallet rates are lower: GCash at 2.3%, Maya at 1.8%, GrabPay and ShopeePay at 2.0%. OTC payments cost a flat ₱20–₱25 per transaction depending on the outlet.
Does Xendit Philippines support GCash?
Yes. Xendit supports GCash at a 2.3% merchant fee per transaction, per their published pricing. This includes instant GCash payment processing through Xendit’s checkout without requiring a separate GCash for Business merchant account. Maya, GrabPay, and ShopeePay are also supported under one integration.
How long does Xendit Philippines take to settle funds?
Xendit Philippines settlement times vary by payment method, with some methods settling instantly, per their public documentation. Card and bank transfer settlements follow standard Philippine banking timelines. Xendit also offers an instant payout option for faster fund access, available at a small additional fee.
Is Xendit Philippines BSP-licensed?
Yes. Xendit Philippines Inc and XenRemit, Inc are supervised and regulated by the Bangko Sentral ng Pilipinas, per their official website. BSP regulation means Xendit operates under Philippine financial law, with reporting requirements and consumer protections that unlicensed payment aggregators do not carry.
How does Xendit Philippines compare to PayMongo for card payments?
Xendit charges 3.2% plus ₱10 per local card transaction; PayMongo charges 3.125% plus ₱13.39, per both providers’ official pricing pages. At ₱1,500 average order value, Xendit costs ₱58.00 per transaction against PayMongo’s ₱60.27 — saving about ₱2.27 per card transaction. At 1,000 monthly card transactions, that gap reaches ₱2,270 per month.