If you're running an online store in the Philippines, you already know that how your customers pay is just as important as what you're selling.
GCash, Maya, bank transfers, and over-the-counter payments at 7-Eleven or Cebuana aren't just nice-to-haves — they're the payment methods your customers actually use. And for Philippine SMBs, Xendit is one of the most capable gateways for accepting all of them under one integration.
The real question isn't whether to use Xendit. It's which eCommerce platform works better with it: Shopify or Prosperna?
In this Shopify vs Prosperna Xendit Philippines comparison, we break down how each platform handles the Xendit integration, what the actual costs look like for a Philippine business, and why Prosperna is increasingly the best eCommerce platform for Philippine SMBs who want a simpler, more cost-effective path to accepting local payments.
Why Xendit Matters for Philippine Online Businesses
First, a quick look at why Xendit is worth talking about at all.
Xendit is a Southeast Asia-focused payment gateway — BSP-regulated in the Philippines — that gives merchants access to the full spectrum of Filipino payment preferences through a single integration. That means:
- E-wallets: GCash (2.3% fee), Maya (1.8%), GrabPay (2.0%)
- Credit and debit cards: Visa, Mastercard, with up to 30% better acceptance rates through Xendit's in-house fraud detection
- Online banking: BPI, UnionBank, and 140+ local banks via direct debit
- Over-the-counter payments: 7-Eleven, Cebuana Lhuillier, M Lhuillier, LBC, Palawan, ECPay, and more
- Buy Now, Pay Later: installment options through partner lenders
For Philippine SMBs, this coverage is critical.
Digital payments now account for over 55% of retail payment volume in the Philippines as of 2025, with GCash alone surpassing 94 million registered users. A checkout that doesn't offer GCash is a checkout that will lose a significant portion of Filipino buyers before they even complete their purchase.
Why it matters: Xendit is available as a plugin integration on both Shopify and Prosperna — but the platform experience, the cost structure, and the setup simplicity differ significantly between the two. That's what this comparison is about.
Shopify + Xendit: What Philippine Businesses Actually Experience
Shopify is available in the Philippines and can integrate with Xendit through its Shopify App Store. The Xendit app for Shopify allows merchants to accept bank transfers, credit and debit cards, retail outlet payments, installment plans, and e-wallets — all from a single integration. On paper, this sounds seamless.
In practice, there are several layers of friction and cost that Philippine SMBs encounter when running Shopify with Xendit.
The Shopify Payments unavailability problem
Shopify Payments — Shopify's native payment gateway — is not available in the Philippines as of 2026. This means every Philippine Shopify merchant is automatically classified as a third-party gateway user, and Shopify charges an additional transaction fee on every single sale: 2% on the Basic plan, 1% on the Shopify plan, and 0.5% on Advanced. This surcharge applies on top of whatever Xendit charges for processing the payment.
So for a Philippine SMB on Shopify's Basic plan accepting a GCash payment through Xendit, the total cost per transaction is Xendit's 2.3% GCash fee plus Shopify's 2% third-party surcharge — a combined 4.3% per transaction. On ₱100,000 in monthly sales, that's ₱4,300 in combined fees, versus ₱2,300 if the Shopify surcharge didn't exist.
The compounding cost: Shopify's third-party gateway surcharge is unavoidable for Philippine merchants because Shopify Payments isn't available here. It turns every payment through Xendit into a double-fee transaction — and it's a cost that Prosperna users don't pay.
The setup and management complexity
Integrating Xendit with Shopify requires installing the Xendit app from the Shopify App Store, connecting your Xendit dashboard credentials, and then navigating Shopify's payment settings to ensure the integration is correctly configured.
It's manageable — but it means you're running two separate dashboards: Shopify for your store and Xendit for your payment data. Reconciling sales, refunds, and settlement reports between the two adds administrative overhead that lean SMB teams often struggle to absorb.
Prosperna + Xendit: Built for Philippine Businesses from the Ground Up
Prosperna is the leading eCommerce platform purpose-built for Philippine businesses.
Unlike Shopify, which is a global platform adapting to the Philippine market, Prosperna was designed specifically around the realities of Filipino commerce — including the payment methods, shipping providers, and platform economics that Philippine SMBs actually deal with.
When it comes to Xendit, the experience on Prosperna is structurally different from Shopify's in one important way: there is no additional platform transaction surcharge for using Xendit or any third-party payment gateway. You pay only Xendit's standard processing rates — nothing more.
This is the most direct reason why the Shopify vs Prosperna Xendit Philippines comparison tilts so clearly in Prosperna's favor for local businesses: the same Xendit integration costs significantly less to operate when your platform isn't adding its own surcharge on top.
What Prosperna + Xendit gives Philippine SMBs
- GCash, Maya, and GrabPay accepted via Xendit — at Xendit's standard rates only, no platform surcharge
- Credit and debit cards (Visa, Mastercard) with Xendit's fraud detection included
- 140+ local banks for direct debit and online banking transfers
- Over-the-counter payments at 7-Eleven, Cebuana, M Lhuillier, LBC, Palawan, and more
- BNPL installment options through Xendit's partner lender network
- Unified dashboard — store management and payment visibility in one place, designed for non-technical users
- Local customer support in Filipino business context — not a global support queue
- Shipping integrations with LBC, J&T, Lalamove, GoGo Xpress, and Grab built in alongside payments
The result is a best eCommerce platform for Philippine SMBs experience that is genuinely end-to-end: from store creation to product listing, payment collection via Xendit, and order fulfillment via local couriers — all managed without switching between multiple platforms or absorbing hidden surcharges.
Shopify vs Prosperna with Xendit: Side-by-Side for Philippine SMBs
Shopify Payments availability in PH
Shopify + Xendit: Not available. All Philippine merchants are automatically third-party gateway users.
Prosperna + Xendit: Not applicable — Prosperna has no proprietary payment layer restricting gateway choice.
Platform surcharge on Xendit transactions
Shopify + Xendit: 2% (Basic), 1% (Shopify plan), 0.5% (Advanced) added on top of Xendit's processing fees.
Prosperna + Xendit: Zero platform surcharge. Pay only Xendit's standard rates per transaction.
Total fee on GCash payment (Basic plan)
Shopify + Xendit: Xendit's 2.3% + Shopify's 2% = 4.3% per transaction.
Prosperna + Xendit: Xendit's 2.3% only — no additional platform cut.
Xendit payment methods supported
Shopify + Xendit: GCash, Maya, GrabPay, credit/debit cards, bank transfers, OTC, BNPL via Xendit app.
Prosperna + Xendit: Same full Xendit coverage: GCash, Maya, GrabPay, cards, banks, OTC, BNPL.
Setup and dashboard experience
Shopify + Xendit: Two separate dashboards (Shopify + Xendit). Manual reconciliation between platforms required.
Prosperna + Xendit: Unified interface built for Philippine SMBs. Payments and store managed in one place.
Local shipping integrations
Shopify + Xendit: Requires separate app installations for local couriers (GoGo Xpress, J&T, Lalamove, LBC).
Prosperna + Xendit: LBC, J&T, Lalamove, GoGo Xpress, Grab, and Borzo built in natively alongside payments.
Platform built for Philippine market
Shopify + Xendit: Global platform with Philippine adaptations. Support is international, not locally focused.
Prosperna + Xendit: Built specifically for Philippine MSMEs. Local support, local context, local commerce needs.
Monthly platform cost
Shopify + Xendit: ₱1,590–₱7,995/month (Basic to Advanced), billed in USD, subject to exchange rate fluctuations.
Prosperna + Xendit: Affordable PHP-denominated plans designed for Philippine SMB budgets.
Which Platform Is the Right Choice for Your Philippine Business?
Here's an honest breakdown — because the right answer depends on your situation.
Shopify may still make sense if:
- You're selling heavily to international customers and need Shopify's global marketing ecosystem
- You already have a Shopify store with significant customization, apps, and migration would be disruptive
- You're on the Advanced plan where the surcharge drops to 0.5%, making the cost gap with Prosperna smaller
- You need enterprise-level POS capabilities or Shopify's B2B features for large-scale retail operations
Prosperna is the better choice if:
- Your primary market is the Philippines and you want to maximize the efficiency of your Xendit integration
- You're on Shopify's Basic plan and paying the full 2% surcharge — switching to Prosperna eliminates this cost entirely
- You're an MSME that needs local shipping, local payments, and local support in one affordable platform
- You want a simpler, more unified experience without managing multiple dashboards and reconciling two data sources
- You're just starting out and want the best eCommerce platform for Philippine SMBs without the overhead of a global platform
The bottom line: For Philippine SMBs using Xendit, Prosperna delivers the same payment coverage at a lower total cost, with a simpler setup, a more unified experience, and a platform that was actually built for your market. The Shopify vs Prosperna Xendit Philippines comparison has a clear answer for most local businesses.
Stop Paying the Platform Tax on Every Xendit Transaction
Every time a Filipino customer pays you via GCash on Shopify's Basic plan, Shopify takes 2% off the top — before Xendit even touches the transaction. Over the course of a year, that adds up to a significant slice of revenue that should be staying in your business.
Prosperna gives you the same Xendit coverage — GCash, Maya, bank transfers, OTC payments, and more — without the platform surcharge. And it does it inside a platform that was designed from day one for the way Philippine businesses actually operate.
Try Prosperna free — and keep more of every peso your customers pay you.
Frequently Asked Questions
1. Is Shopify Payments available in the Philippines?
No. As of 2026, Shopify Payments is not available to merchants registered in the Philippines. This means all Philippine Shopify merchants must use third-party payment gateways like Xendit, PayMongo, or HitPay — and Shopify charges an additional 0.5%–2% transaction fee on all sales processed through those gateways, depending on your plan.
2. How does Xendit work on Shopify in the Philippines?
Xendit integrates with Shopify via the Xendit app in the Shopify App Store. Once installed and connected to your Xendit dashboard, it enables GCash, Maya, GrabPay, credit/debit cards, bank transfers, over-the-counter payments, and BNPL at checkout. However, Shopify's third-party gateway surcharge (2% on the Basic plan) applies on top of Xendit's own processing fees on every transaction.
3. Does Prosperna work with Xendit?
Yes. Prosperna supports Xendit as a payment gateway, giving Philippine merchants access to the same full range of Xendit payment methods — GCash, Maya, GrabPay, cards, online banking, OTC, and BNPL — without the additional platform surcharge that Shopify charges. You pay only Xendit's standard processing rates.
4. What are Xendit's fees for Philippine merchants?
Xendit's standard rates for the Philippines include: GCash at 2.3%, Maya at 1.8%, GrabPay at 2.0%, credit/debit cards at approximately 3% + ₱15, and over-the-counter payments at fixed rates per transaction (e.g., ₱15 at 7-Eleven, ₱25 at Cebuana). Fees vary by payment method — check Xendit's Philippine pricing page for the most current rates. Volume discounts are available for merchants processing ₱5 million or more per month.
5. Why is Prosperna described as the best eCommerce platform for Philippine SMBs?
Prosperna was built specifically for Philippine MSMEs — not adapted from a global platform. It combines local payment gateway support (including Xendit, GCash, Maya, and over-the-counter options), built-in integrations with Philippine logistics providers (LBC, J&T, Lalamove, GoGo Xpress), and Philippine-focused customer support, all in one affordable platform with no additional transaction surcharges. For local businesses, this combination of cost efficiency, local relevance, and operational simplicity is hard to match on a global platform like Shopify.
Final Thoughts
The Shopify vs Prosperna Xendit Philippines question isn't really about which platform is more powerful in absolute terms.
Shopify is a world-class eCommerce platform. But for Philippine businesses using Xendit to accept GCash, Maya, bank transfers, and over-the-counter payments, Shopify's unavoidable third-party gateway surcharge makes it a structurally more expensive choice — every month, on every transaction, for as long as you use it.
Prosperna removes that surcharge entirely. Add in the local shipping integrations, the Philippine-specific platform design, and the unified dashboard, and the picture becomes clearer: for most Philippine SMBs, Prosperna is the more efficient, more cost-effective, and more locally relevant best eCommerce platform for Philippine SMBs building their business around local payment methods.
If you're currently paying Shopify's 2% surcharge on every Xendit transaction, the math is simple. It's worth switching.
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