Number of Seats/Users: xenpayments offers discounts based on the number of users or seats. A higher volume typically leads to a better discount structure, especially for enterprise-level usage.

Commitment to a Long-Term Contract: Discounts are often provided to companies that commit to using the service for a longer period (e.g., 1-year or 3-year contracts). A longer commitment shows xenpayments that the company is serious and willing to invest in the platform long-term.

No Active Discounts: Companies that are not already receiving other active discounts may have a better chance of qualifying for additional discounts from xenpayments. xenpayments reserves discounts for new customers or those not currently under promotional pricing.

Volume or Usage Commitment: xenpayments offers discounts if you agree to a minimum amount of usage or transaction volume. This could be based on data storage, transactions, or other metrics tied to how much you will use the platform.

Enterprise-Level Negotiation: Companies that qualify as “enterprise” due to their size or complexity (e.g., having large teams, multiple departments, or geographical presence) may be eligible for additional discounts from xenpayments. Such companies are often in a position to negotiate for better pricing.

Early Renewal or Prepayment: xenpayments often offers discounts if you renew early or prepay for the entire contract period. This is a common approach to securing a lower price.

Here at Spendbase our internal data shows that xenpayments (Xendit) is generally seen as a strong, easy-to-use payment gateway, but with clear gaps around mobile experience, pricing transparency, and coverage of some card brands.

From what Spendbase clients tell us, the main positives are:

• Very simple to:
• Create payment requests
• Withdraw funds to a bank account
• Integrate multiple local methods (cards, e‑wallets, bank transfers)
• Interface and UX:
• “Great app, very practical”
• Modern, clean design that is easy for teams to adopt
• Fit for SEA:
• Works well for international card payments into Indonesia and the region
• Good for accepting and sending payouts across Southeast Asia

At the same time, our internal data shows consistent friction in several areas:

• Mobile limitations:
• Certain key flows (like creating payment requests and withdrawals) are desktop-only
• Some advertised features simply do not work on mobile
• Payment method coverage:
• Not all credit card brands are accepted
• This occasionally leads to failed payments or the need for backup processors
• Cost structure:
• Spendbase clients frequently mention:
  • Transaction fees feeling high for certain volumes
  • Additional tax components that are hard to forecast
  • Extra friction around “security to do the operations” (2FA / KYC) that slows workflows
• Feature maturity:
• The product “does the job” but “there is still a lot to be developed”
• Especially around advanced controls, better mobile parity, and smoother operations for finance teams

From a Spendbase discount and cost-optimization angle, our internal benchmarks indicate:

• Many companies are:
• Overpaying due to suboptimal pricing tiers for their volume
• Not using negotiation levers around:
  • Minimum monthly volume
  • Commitment terms
  • Blended rates across payment methods
• There is often room to:
• Secure lower effective fees on high-volume payment methods
• Rationalize usage so that expensive methods are used only where they truly add value
• Push for better terms when expanding to new countries or adding new payment types

In short, Spendbase clients see xenpayments as a capable, regionally strong gateway with good usability, but they also flag missing mobile functionality, incomplete card coverage, and a fee structure that often benefits from active negotiation and optimization.