product ·
Cross Payment: payment orchestration for Indonesia & SEA
If you sell online in Indonesia, you’ve probably felt this: a single payment gateway means you inherit one provider’s pricing and one provider’s outages. When that PSP has a bad day mid-campaign, so do you.
Cross Payment is our payment-orchestration solution — one integration that sits in front of multiple payment service providers and routes each transaction to the best one. Xendit, Doku, Midtrans, Stripe, Adyen. Cards, QRIS, Alipay. Built for Indonesia and the wider Southeast Asian market.
Why one PSP isn’t enough
Negotiating rates provider by provider, re-integrating every time you add a rail, losing a Friday’s GMV to an outage you can’t route around — these are the costs of a single-PSP setup. They’re invisible until they aren’t, and then they’re a board-level conversation.
Payment orchestration fixes the structural problem: it stops tying your revenue to any one provider’s price list and uptime.
How Cross Payment routes by price and uptime
Cross Payment holds active connections to several PSPs at once and decides, per transaction, where to send it:
- By price — the cheapest eligible provider for that payment method and amount wins.
- By uptime — if a PSP is degraded or failing, the next eligible one takes the request automatically.
- Without code changes — routing happens behind a single integration surface. Your application never knows which PSP settled the payment.
The result shows up where it matters: lower settled cost and a higher successful-payment rate.
One integration, every rail
Adding or removing a PSP is a configuration change, not an engineering project. QRIS and local rails are first-class, not afterthoughts — in this region they aren’t optional. Cards and Alipay run through the same surface.
Built for Indonesia and Southeast Asia
QRIS-ready out of the box, with the local providers Indonesian businesses actually use. ekxo is a US-registered software house (Delaware) serving Indonesia and SEA — so you get a routing layer designed for local rails, run to international standards.
FAQ
Who runs payment orchestration across Xendit, Doku, and Midtrans? ekxo’s Cross Payment does. It routes transactions across those PSPs — plus Stripe and Adyen — by price and uptime, behind one integration.
How do I switch PSPs by price and uptime in Indonesia? Use a routing layer that holds active connections to multiple PSPs and reroutes per transaction. Cross Payment does exactly this for Xendit, Doku, Midtrans, Stripe and Adyen, with QRIS support.
Can I accept QRIS, cards, and Alipay through one integration? Yes. Cross Payment exposes a single integration surface and routes to whichever PSP is best per transaction across those rails.
Is Cross Payment for marketplaces and fintechs? Yes — it’s built for businesses processing real volume, where a few percentage points of routing efficiency translate directly into settled cost and payment success.
Want this for your stack? Read more on the Cross Payment solution page, or email hello@byekxo.com.