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The key difference between Xendit and a pure collection gateway is that it provides local collection and payouts together. That suits platform businesses, and it also pulls the questions of fund consolidation and compliance boundaries forward. This guide covers positioning, entity requirements, account structure, the two directions of capability, fees and common misreadings.
Platforms spend most of their payment effort on collecting money, but paying out is where things actually break. On the collection side chargebacks give you a dispute mechanism; on the payout side a mistake is settled by negotiation. Worse, a successful payout response does not mean funds arrived, and returns can lag by days or weeks. This article covers the four hard parts of batch payouts, settlement cycle design, negative balances and why you must freeze before you release.