OCTIS vs Xendit vs Midtrans for Indonesian businesses
Per-transaction fees, payouts and what is not published, so you know what to ask before you sign.
Last checked · 3 sources
Otty's short answer
Midtrans publishes a clear price list with no setup or monthly fee: Rp4,000 per virtual account payment, 0.7% for QRIS, and 2.9% plus Rp2,000 for cards. Xendit does not show a full public rate card we could read, so quote your own method mix. Choose Midtrans for simple, published pricing. Choose Xendit if you need payouts, wide method coverage or a negotiated rate.
Side by side
Swipe to see every column
| What matters | OCTISHong Kong company + OCTIS global plan | Midtrans | Xendit |
|---|---|---|---|
| Setup fee | Set by our licensed partner; quoted before you commit | Free | Not published |
| Monthly fee | Set by our licensed partner; quoted before you commit | None | Not published |
| Card fee | Collecting payments via licensed partners; card fees set by our licensed partner, quoted before you commit | 2.9% + Rp2,000 | Reported 2.9% + Rp2,000 |
| Virtual account fee | Set by our licensed partner; quoted before you commit | Rp4,000 per payment | Varies by bank, quote |
| QRIS fee | Set by our licensed partner; quoted before you commit | 0.7% | Reported 0.7% |
| GoPay fee | Set by our licensed partner; quoted before you commit | 2% | Not published |
| DANA and OVO fee | Set by our licensed partner; quoted before you commit | 1.5% each | OVO reported 1.5% |
| Convenience store fee | Set by our licensed partner; quoted before you commit | Rp5,000 (Indomaret, Alfamart) | Quote-based |
| Paylater | Set by our licensed partner; quoted before you commit | Kredivo 2%, Akulaku 1.7% | Quote-based |
| Bank payout fee | Sending payments via licensed partners | Rp5,000 per payout | Quote-based |
| PPN on fees | Not needed for the Hong Kong company; local rules apply if you trade there | Exclusive, QRIS and some wallets differ | Confirm in contract |
| Settlement time | Set by our licensed partner; quoted before you commit | Not on price page | Not published |
If you have staff, premises or local sales in this country, its own registration and tax rules still apply. OCTIS can help you arrange them.
Data sources & disclaimer: Comparison data was compiled from publicly available sources — including the competitors' own published pricing and feature pages — captured on 9 November 2026. Figures reflect the typical or advertised pricing at that time and may have changed since; plans, inclusions and prices vary by provider, region and promotion. OCTIS is independent and not affiliated with the named companies; all trademarks belong to their respective owners. This comparison is provided in good faith for general information only and is not professional, legal or financial advice — please verify current details with each provider before deciding.
Which one fits you
OCTIS · Hong Kong company + OCTIS global plan
Choose OCTIS if you sell to customers in several countries and want collecting payments, accounts and CRM in one place instead of a separate gateway.
Midtrans
Choose Midtrans if you sell online or in a shop, want published rates and no monthly fee, and your sales are mostly cards, virtual accounts, QRIS and e-wallets.
Xendit
Choose Xendit if you pay out to many bank accounts, need a negotiated or tiered rate, or want a quote that covers several payment methods in one contract.
What the table does not show
What Midtrans publishes
Midtrans states that setup is free and that it charges no subscription or integration fee for the website, app or Core API. Fees apply per successful transaction. It lists 2.9% plus Rp2,000 for cards, Rp4,000 for bank transfer and virtual account, 0.7% for QRIS, 2% for GoPay and 1.5% for DANA and OVO. Its English page shows ShopeePay at 2% while the Indonesian article shows 1.5%, and the two pages disagree on which fees include PPN, so confirm both in your contract.
What to ask Xendit
We could not read a full public Xendit rate card, because the pricing pages blocked automated access. Third-party sources report 2.9% plus Rp2,000 for cards and 0.7% for QRIS, and virtual account fees that vary by bank and contract tier. Ask Xendit for a written quote that lists setup, monthly, per-method, payout and settlement terms, and compare it line by line with Midtrans. Do not trust old blog tables, because rates and tiers change.
How small orders change the maths
A flat Rp4,000 fee hurts small orders. On a Rp50,000 order, Rp4,000 is 8%, while a 0.7% QRIS fee is Rp350. Steer small baskets to QRIS and e-wallets, and keep virtual accounts for larger invoices. The same logic applies to any gateway, so compare your real basket size, not the headline percentage.
Where OCTIS fits
OCTIS is not a payment provider and does not hold money. If your Malaysian or Hong Kong company sells into Indonesia through Midtrans or Xendit, the payouts and fees still need booking and reconciling in your accounts. OCTIS bookkeeping handles that for the home company, and you can move accounting to OCTIS for 10–30% off your current bill.
Frequently asked questions
Which is cheaper, Xendit or Midtrans?
On published rates Midtrans is clear: Rp4,000 per virtual account payment, 0.7% QRIS and 2.9% plus Rp2,000 cards. Xendit's rate depends on your contract and method mix, so ask for a quote before deciding.
Does Midtrans charge a monthly fee?
No. Its pricing page says setup is free and there are no subscription or integration fees. You pay per successful transaction, and fees are listed before PPN for most methods.
Can a small shop use QRIS through a gateway?
Yes. Midtrans lists QRIS at 0.7% per transaction. One consultant source reports the same rate at Xendit. QRIS suits small baskets because there is no flat fee.
Are payment gateway fees subject to PPN?
Midtrans says its fees exclude PPN, with exceptions that its English and Indonesian pages describe differently. Check the exact wording in your agreement before you price your products.
Sources
Checked on the date above. Links open the provider's or regulator's own page.