Meta Description: Explore why Creem stands out as a secure and versatile payment gateway in Southeast Asia, offering local and international payment solutions for your business.

Why Southeast Asia Needs Smart Payment Gateways

Southeast Asia’s e-commerce boom shows no signs of slowing down. From bustling marketplaces in Jakarta to boutique SaaS startups in Singapore, every business needs a payment gateway that’s fast, secure, and adaptable. But with so many options, how do you choose the right one?

Enter Xendit. It’s well known for speedy settlements—90% quicker cash flow, according to recent case studies. But even top tools have gaps. Let’s dive into a clear comparison between Xendit and Creem, so you can pick the best payment gateway for your business.

Xendit at a Glance

Strengths:
– Fast Settlement: Dijiwa Sanctuaries saw payments clear up to 90% faster.
– Local Expertise: Supports major SEA currencies and popular local methods.
– Easy Onboarding: Quick setup via a user-friendly dashboard.

Limitations:
– Standard Fees: Transaction fees add up, especially for startups.
– Basic Compliance: Handles taxes, but limited automation for multi-jurisdiction rules.
– Minimal Insights: Offers reports, yet lacks AI-driven analytics for growth decisions.

Creem: The All-in-One Financial Operating System

Creem isn’t just another payment gateway. It’s a financial operating system built for startups, SaaS teams, and indie hackers who need more than “just payments.”

Key offerings:
– Global Merchant of Record Services
We manage payment processing, sales tax, and compliance worldwide. Bye-bye paperwork.
– Automated Financial Workflows
Custom workflows automate payouts, revenue splits, and refunds—24/7.
– AI-Powered Insights
Get real-time dashboards and smart alerts. Spot trends, test pricing, act fast.

Plus, Creem gives startups 0% fees until you hit product-market fit. That’s a game-changer when cash flow matters most.

Side-by-Side Comparison

Choosing a payment gateway? Here’s how Creem stacks up against Xendit:

Xendit:
– Fast settlements in SEA.
– Local payment options (GrabPay, GoPay, etc.).
– Basic reporting tools.

Creem:
– 0% startup fees until PMF.
– Full tax compliance everywhere you sell.
– Automated workflows that save hours monthly.
– AI insights to guide pricing and marketing.

The good news? You don’t have to juggle multiple tools. Creem handles payments, compliance, fraud protection, and analytics—all in one place.

How Creem Solves Xendit’s Gaps

Fee Flexibility
- Xendit’s fees can pinch small ventures.
- Creem offers competitive rates and fee waivers for early-stage startups.
End-to-End Compliance
- Xendit reports transactions, but you still manage taxes.
- Creem’s Global Merchant of Record takes compliance off your plate.
Deeper Insights
- Xendit dashboards show basic metrics.
- Creem’s AI-Powered Insights spot anomalies, forecast revenue, and recommend pricing tweaks.
Automated Workflows
- Xendit processes payments, then you handle payouts manually.
- Creem’s Automated Financial Workflows schedule and execute payouts, saving you precious time.

Why Creem Is the Top Payment Gateway Alternative in SEA

Local + Global Reach: Support for all major SEA e-wallets and international cards.
Fraud Protection: Built-in tools identify suspicious transactions before they hit your books.
Scalable Automation: As your SaaS or e-commerce store grows, workflows adapt—no extra developers required.
Future-Ready: Crypto payments and dynamic pricing are on the horizon.

Side note: I recently chatted with a founder who cut back reconciliation time by 60% after moving to Creem. She loves that she can finally focus on product development instead of tax spreadsheets.

Get Started with Creem Today

Ready to upgrade your payment gateway? Experience seamless payment processing, comprehensive tax compliance, and powerful AI insights—all under one roof.

Sign up now and see why startups across Southeast Asia choose Creem for their financial operations.

Start your free trial with Creem →