Xendit Kalkulator Biaya QRIS & VA
Hitung biaya MDR QRIS (0.70%), Virtual Account (flat Rp 4.500), e-wallet OVO/Dana, dan faktur Gross-Up dalam Rupiah (IDR).
Generator Catatan Tagihan Pelanggan (IDR) ▼
Pertanyaan Umum (Xendit Indonesia)
Berapa biaya transaksi QRIS di Xendit tahun 2026? ▼
Sesuai regulasi Bank Indonesia (BI), biaya MDR untuk QRIS reguler adalah 0,70% per transaksi tanpa biaya tetap (flat fee) tambahan.
Bagaimana cara kerja biaya Virtual Account (VA) di Xendit? ▼
Biaya Virtual Account di Xendit adalah flat Rp 4.500 per transaksi berhasil (0% potongan persentase). Baik pelanggan membayar Rp 100.000 maupun Rp 10.000.000, biaya tetap Rp 4.500.
How do I calculate a Gross-Up invoice for Xendit in Indonesian Rupiah (IDR)? ▼
For Virtual Accounts (flat Rp 4,500), Gross = Target Net + Rp 4,500. For QRIS (0.70%), to receive Rp 1,000,000 net: Gross = 1,000,000 / (1 - 0.007) = Rp 1,007,049.
Kapan dana Xendit masuk ke rekening bank? ▼
Xendit memproses pencairan dana (payout / disbursement) secara instan atau harian langsung ke semua bank di Indonesia (BCA, Mandiri, BRI, BNI) 24/7.
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
Recent Calculations (Click to Restore)
Alat & Perbandingan Terkait
Frequently Asked Questions
What are official Xendit payment processing fees in Southeast Asia in 2026? ▼
In Indonesia, Xendit charges 2.00% + IDR 2,000 for credit cards, IDR 4,000 flat for Bank Virtual Accounts (BCA, Mandiri, BRI, BNI), 0.70% for QRIS, and 1.50% for e-wallets. In the Philippines, cards are 3.20% + ₱10 PHP, and GCash/Maya is 2.30%.
Why is QRIS the most popular mobile payment method on Xendit Indonesia? ▼
QRIS charges a regulated 0.70% flat fee with zero fixed cost. Customers scan the dynamic QR code using any Indonesian mobile banking app or e-wallet (GoPay, OVO, DANA, ShopeePay) with instant real-time confirmation.
How do Bank Virtual Accounts (VA) streamline B2B invoicing on Xendit? ▼
Xendit generates unique fixed or dynamic Virtual Account numbers for each client across major Indonesian banks, providing automated payment matching, zero fraud dispute risk, and instant webhook notifications.
Are Xendit transaction fees subject to local VAT / sales taxes? ▼
Yes. In Indonesia, 11% PPN (VAT) applies to Xendit's payment gateway commissions. In the Philippines, 12% BIR VAT applies to merchant processing service fees.
What are Xendit XenDisburse mass payout capabilities? ▼
XenDisburse enables businesses to disburse automated real-time mass payments to 140+ banks and e-wallets across Indonesia and the Philippines 24/7, with instant settlement via API.
Does Xendit support Buy Now Pay Later (BNPL) in Southeast Asia? ▼
Yes. Xendit integrates Kredivo, Akulaku, and Indodana in Indonesia, and BillEase in the Philippines, allowing consumers to pay in installments while merchants receive full upfront settlement.
What settlement timelines apply to Xendit merchant bank accounts? ▼
Virtual Account and QRIS transactions settle on T+1 business day. Credit cards settle on a rolling T+2 to T+4 business day schedule directly into local commercial bank accounts.
How does Xendit compare to Midtrans and PayMongo? ▼
Xendit offers superior regional multi-country expansion across both Indonesia and the Philippines under a unified API, robust mass disbursement infrastructure, and developer-friendly documentation.