For Philippine online sellers, Xendit has become one of the most important tools in the business. It's BSP-regulated, locally trusted, and gives customers access to every major Filipino payment method — GCash, Maya, GrabPay, 7-Eleven, bank transfers, and more — all under a single integration.
The question isn't whether to use Xendit. It's which eCommerce platform makes the Xendit integration faster, easier, and more cost-efficient to run.
In this blog, we put the Xendit integration Shopify vs Prosperna comparison side by side — not just on paper, but in the real experience of setting it up, managing it day-to-day, and understanding what it actually costs your business per transaction.
If you're a Philippine SMB looking for faster payments and a simpler payment setup, this is the comparison you need.
Spoiler: both platforms support Xendit. But the setup process, the cost structure, and the day-to-day experience are meaningfully different — and for most Filipino online sellers, those differences matter a great deal.
What Makes Xendit the Go-To Payment Gateway for Philippine SMBs?
Before diving into the platform comparison, it's worth understanding why Xendit is worth building around in the first place.
Xendit is a Southeast Asia-focused financial technology company regulated by the Bangko Sentral ng Pilipinas (BSP) in the Philippines. It expanded into the Philippine market in 2020 and has since become one of the most comprehensive local payment solutions available to online sellers.
With a single Xendit integration, Philippine businesses can accept:
- E-wallets: GCash (2.3%), Maya (1.8%), GrabPay (2.0%), ShopeePay
- Credit and debit cards: Visa, Mastercard, JCB, Amex — with up to 30% better card acceptance rates through Xendit's in-house fraud detection
- Online banking: direct debit from BPI, UnionBank, and 140+ local banks (1.5% + ₱20)
- Over-the-counter: 7-Eleven, Cebuana Lhuillier, M Lhuillier, LBC, Palawan Express, ECPay, SM Payment Centers, and more
- Buy Now, Pay Later: installment loans through Xendit's partner lenders
- QR Ph: unified QR code standard accepted across BSP-registered banks and e-wallets
For a Filipino customer base, this coverage is non-negotiable.
Over 55% of Philippine retail payment volume is now digital, and GCash alone has more than 94 million registered users. A checkout that doesn't support these methods isn't just inconvenient — it's a direct conversion killer.
This is why Xendit integration is one of the first things Philippine SMBs set up on any eCommerce platform. And that's precisely where the Xendit integration Shopify vs Prosperna comparison becomes critical.
Xendit Integration on Shopify: What the Setup Actually Looks Like
Shopify does support Xendit integration through the Xendit Payments app in the Shopify App Store. The integration is functional and well-documented.
But Philippine merchants who have gone through it know that the experience comes with several layers of friction — both during setup and in ongoing operation.
The step-by-step setup process on Shopify
According to Xendit's own documentation, here's what the integration actually requires:
1. Log into your Xendit Dashboard and open the Integrations tab
2. Locate the Shopify app and click 'Install' to be redirected to the Shopify App Store
3. Click 'Add app' in the Shopify App Store
4. Follow the prompts on the Xendit installation page to activate the gateway
5. Return to Shopify Settings > Payments and select your supported payment channels
6. Scroll to the bottom and click 'Activate Xendit Payment Gateway' to complete the setup
7. Optionally configure abandoned checkout settings, webhook URLs, and payment channel toggles
That's seven steps across two separate dashboards — and this is before you've done any configuration on the Shopify side for currency display, checkout flow, or payout reconciliation.
For non-technical business owners, the back-and-forth between the Xendit dashboard and Shopify's admin can be confusing, and a single misstep (like leaving an IP whitelist active on your Xendit account) can cause the integration to fail silently.
The ongoing cost problem: Shopify's unavoidable surcharge
Here is where the Xendit integration Shopify vs Prosperna comparison has the clearest financial impact.
Because Shopify Payments is not available in the Philippines, every Philippine Shopify merchant is automatically classified as a third-party gateway user. This triggers Shopify's platform surcharge on every single transaction processed through Xendit:
- Basic plan: +2% per transaction on top of Xendit's fees
- Shopify plan: +1% per transaction
- Advanced plan: +0.5% per transaction
In practice, this means a GCash payment processed through Xendit on Shopify's Basic plan costs 4.3% total (Xendit's 2.3% + Shopify's 2%). On a store doing ₱100,000 in monthly sales, that extra 2% surcharge adds ₱2,000 per month — or ₱24,000 per year — in platform fees that go directly to Shopify, not to processing your actual payment.
The unavoidable math: Philippine Shopify merchants on the Basic plan pay ₱24,000/year in avoidable Shopify surcharges on ₱100,000/month in Xendit sales. That's money that could be reinvested into stock, marketing, or operations — and it's a cost that Prosperna users simply don't pay.
The dual-dashboard problem
Running Xendit on Shopify also means managing two completely separate dashboards: Shopify for your store, orders, and inventory — and Xendit for your payment data, settlements, and refunds.
Reconciling transactions between the two is a manual process that consumes time every week. Settlement reports from Xendit don't automatically sync to Shopify's financial dashboard, meaning your actual payout and your reported revenue are always slightly out of sync until you reconcile them manually.
Xendit Integration on Prosperna: Built for Philippine Sellers from Day One
Prosperna was built specifically for Philippine SMEs.
It isn't a global platform adapting to the Philippine market — it's a platform designed around the payment methods, shipping providers, and operational realities that Filipino online sellers actually deal with. And when it comes to Xendit, that difference is immediately visible in three areas: setup simplicity, cost structure, and day-to-day management.
Faster setup — no cross-platform back-and-forth
On Prosperna, connecting Xendit doesn't require navigating between two separate dashboards or following a multi-step app installation across platforms.
Payment gateway setup is handled inside Prosperna's Settings panel — you connect your Xendit credentials directly, select your payment channels, and you're done. The process is rated beginner-level and takes minutes, not an afternoon. There are no App Store redirects, no webhook configuration required for basic setup, and no IP whitelist conflicts to troubleshoot.
For a business owner who just wants to start accepting GCash and Maya payments on their online store — without becoming an IT administrator in the process — Prosperna's Xendit setup is simply a faster, easier experience.
Zero platform surcharge — pay Xendit's rate only
This is the most significant structural advantage in the Xendit integration Shopify vs Prosperna comparison.
Prosperna does not charge an additional platform transaction fee for using Xendit or any third-party payment gateway. You pay only Xendit's standard processing rates per transaction — nothing more.
That means GCash payments cost 2.3%. Maya payments cost 1.8%. Card payments cost what Xendit charges — and not a peso more goes to the platform.
For Philippine online sellers focused on faster payments and better margins, this cost difference compounds significantly over time: a store doing ₱200,000 per month in Xendit sales saves ₱4,000 every month on Prosperna compared to Shopify's Basic plan — ₱48,000 annually.
Unified dashboard built for Filipino business operations
Prosperna's platform is designed so that your store, your payments, and your logistics all live in the same place.
Payment data from Xendit is visible inside your Prosperna dashboard — you're not reconciling between two separate systems. Orders, settlements, and fulfillment are all managed in one interface, which means less time on administrative tasks and more time on actually running your business.
On top of this, Prosperna includes native integrations with Philippine logistics providers — LBC, J&T Express, Lalamove, GoGo Xpress, Grab Express, and Borzo — so that faster payments for Philippine online sellers doesn't stop at checkout.
The entire order-to-delivery cycle is managed in one place, which is exactly the kind of operational efficiency that lean SMB teams need.
Built-in advantage: Prosperna users don't just get a better Xendit integration experience — they get a platform where payments, shipping, and store management are unified from the start. That's a fundamentally different operating model from Shopify's multi-tool approach.
Xendit Integration Shopify vs Prosperna: The Full Comparison
Setup process
Shopify + Xendit: 7-step process across two dashboards (Xendit and Shopify App Store). Requires App Store installation, webhook review, and manual payment channel selection.
Prosperna + Xendit: Beginner-level setup inside Prosperna's Settings panel. Minutes to complete. No App Store redirect or cross-platform back-and-forth required.
Platform surcharge on Xendit transactions
Shopify + Xendit: +2% (Basic), +1% (Shopify plan), +0.5% (Advanced) added on top of every Xendit payment. Unavoidable for all Philippine merchants — Shopify Payments is not available in PH.
Prosperna + Xendit: Zero platform surcharge. Pay only Xendit's standard rate per transaction, regardless of plan.
Total cost of a GCash payment
Shopify + Xendit: 4.3% (Basic) = Xendit's 2.3% + Shopify's 2% surcharge.
Prosperna + Xendit: 2.3% = Xendit's rate only. No additional platform cut.
Total cost of a Maya payment
Shopify + Xendit: 3.8% (Basic) = Xendit's 1.8% + Shopify's 2% surcharge.
Prosperna + Xendit: 1.8% = Xendit's rate only.
Annual savings on ₱100k/month Xendit sales
Shopify + Xendit: Zero — Shopify keeps the 2% surcharge on every transaction.
Prosperna + Xendit: ₱24,000/year saved versus Shopify Basic — purely by eliminating the platform surcharge.
Dashboard experience
Shopify + Xendit: Two separate dashboards: Shopify for store/orders, Xendit for payments/settlements. Manual reconciliation required.
Prosperna + Xendit: Unified dashboard. Payment data visible alongside orders and inventory. No manual reconciliation across platforms.
Local shipping integrations
Shopify + Xendit: Requires separate app installations for LBC, J&T, Lalamove, GoGo Xpress, and other PH couriers.
Prosperna + Xendit: LBC, J&T, Lalamove, GoGo Xpress, Grab Express, and Borzo built in natively alongside Xendit payments.
Technical complexity
Shopify + Xendit: Moderate. Suitable for merchants with some platform experience. Non-technical users may encounter friction during setup and ongoing management.
Prosperna + Xendit: Beginner-friendly. Designed for Philippine SMBs without technical backgrounds. No developer support needed.
Which Platform Should You Use for Your Xendit Integration?
Here's the honest breakdown for Philippine online sellers:
Shopify + Xendit makes sense if:
- You're on Shopify's Advanced plan (0.5% surcharge) and the cost gap with Prosperna is manageable for your volume
- You already have a Shopify store with significant customization and migration costs outweigh the savings
- You need Shopify's enterprise features: Shopify POS, multi-location inventory, or B2B wholesale channels
- A significant portion of your revenue comes from international customers who prefer Shopify's global checkout experience
Prosperna + Xendit is the better choice if:
- You're a Philippine-first business whose primary customer base pays via GCash, Maya, bank transfer, or OTC
- You're on Shopify Basic and losing 2% to the platform on every Xendit transaction — switching to Prosperna eliminates this entirely
- You want a faster, simpler setup that doesn't require navigating multiple dashboards or app installations
- You're looking for faster payments for Philippine online sellers end-to-end: integrated payments and local shipping in one platform
- You're just starting your online store and want a platform built specifically for Philippine MSMEs without global platform overhead
Get Your Xendit Integration Right — From Day One
The Xendit integration Shopify vs Prosperna comparison comes down to this: both platforms support Xendit, but Prosperna makes it faster to set up, cheaper to run, and simpler to manage every day.
For Philippine SMBs who want to spend less time on platform logistics and more time on growing their business, that's a meaningful difference.
Prosperna was built to deliver faster payments for Philippine online sellers without the platform tax — and with a setup experience that any business owner can complete on their own, regardless of technical background.
Try Prosperna free — and accept GCash, Maya, and more through Xendit, without the Shopify surcharge.
Frequently Asked Questions
1. How do I integrate Xendit with Shopify?
Xendit's Shopify integration is done through the Shopify App Store. You'll need to log into your Xendit Dashboard, open the Integrations tab, install the Xendit Payments app, complete the prompts on the installation page, and then activate the gateway in Shopify's Settings > Payments panel. The process requires navigating between your Xendit dashboard and Shopify admin across approximately seven steps. Xendit's help center provides a step-by-step guide with screenshots.
2. Does Shopify charge extra when using Xendit in the Philippines?
Yes. Because Shopify Payments is not available in the Philippines, all Philippine merchants are treated as third-party gateway users and are charged an additional platform fee on every Xendit transaction: 2% on the Basic plan, 1% on the Shopify plan, and 0.5% on the Advanced plan. This surcharge is applied on top of Xendit's own processing fees, making every GCash or Maya payment more expensive than it needs to be.
3. Does Prosperna support Xendit?
Yes. Prosperna supports Xendit as a payment gateway for Philippine merchants, giving access to the full Xendit payment method suite — GCash, Maya, GrabPay, ShopeePay, cards, 140+ banks, OTC channels, and BNPL — with zero additional platform surcharge on transactions.
4. Which is easier to set up — Xendit on Shopify or Xendit on Prosperna?
Prosperna's setup is significantly simpler. Shopify's Xendit integration requires a multi-step process across two platforms (Xendit's dashboard and the Shopify App Store). Prosperna's integration is handled inside a single Settings panel and takes minutes to complete — no App Store installation, no cross-platform navigation, and no technical background required.
5. Can I accept GCash payments through Prosperna?
Yes. Prosperna supports GCash acceptance through its payment gateway integrations, including Xendit. GCash is one of the most widely used payment methods in the Philippines, with over 94 million registered users, and enabling it through Xendit on Prosperna is part of the standard payment setup — no additional configuration required beyond connecting your Xendit account.
Final Thoughts
When you compare the Xendit integration Shopify vs Prosperna side by side, the picture is consistent: Prosperna offers a faster setup, lower ongoing costs, and a more unified operating experience for Philippine online sellers.
Shopify is a powerful global platform — but its Philippine merchants pay a structural penalty on every Xendit transaction through an unavoidable third-party gateway surcharge. Over the course of a year, that penalty adds up to tens of thousands of pesos in costs that don't have to exist.
Prosperna was built so those costs don't exist. For Philippine SMBs who want faster payments, a simpler Xendit setup, and a platform that understands how Filipino businesses actually operate, Prosperna is the cleaner, more cost-effective foundation to build on.
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