Open-source Stripe alternatives

Hyperswitch is an open-source payments infrastructure written in Rust and released under the Apache-2.0 license. It is designed so businesses can pick only the modules they need and add them on top of an existing payment stack, without extra complexity or vendor lock-in. It is offered in both SaaS and self-hosted forms, and it connects to many payment, payout, fraud, vault and tokenization providers.

The modules include cost observability, with dashboards for detecting hidden fees, downgrades and penalties; revenue recovery, with configurable retry strategies to reduce passive churn; a vault service for storing cards, tokens, wallets and bank credentials, which the project describes as PCI-compliant and which can connect to existing providers; and intelligent routing that sends each transaction to a suitable payment processor, among them Stripe, Adyen, Braintree and Worldpay and over a hundred others.

The README also lists reconciliation to reduce payment operations work, a local quickstart, cloud deployment instructions and a hosted sandbox that needs no setup. It suits merchants, platforms and fintech teams that work with several payment processors and want more control over routing, costs and recovery than a single processor provides.

Lago is an open-source billing and monetization platform that meters product usage and turns it into pricing, credits, entitlements, invoices, payments and revenue. It is positioned as infrastructure for AI products, where tokens, compute and API calls need to be measured and charged, but it also handles classic subscriptions and hybrid pricing.

It offers consumption tracking, subscription management, pricing iterations, payment orchestration and revenue analytics. Companies can use Lago Direct to bill their own customers or Lago Embedded to power monetization for their own customers. Integration is through a REST API and SDKs, a CLI for inspecting billing data and running diagnostics, and an MCP server that gives assistants tools to work with live billing data. A local demo prices sample AI requests.

The stack includes Go, Ruby, React and ClickHouse. Lago is licensed under AGPL-3.0 and can be self-hosted, and a managed Lago Cloud is available through the vendor. It suits SaaS and AI companies that want to own their billing logic rather than rely on a closed billing vendor.

Polar is an open-source billing platform aimed at AI startups and other software businesses that need to charge for tokens, agents and compute without building billing infrastructure themselves. It positions itself as the financial layer for intelligent software and acts as the merchant of record.

It supports many pricing models, including usage billing, subscriptions, seats, credits, trials and discounts, which can be combined. Metering can track tokens, API calls, agent runs, GPU seconds and storage at the level of individual events. Checkouts, real-time metrics and worldwide tax handling are included, and as merchant of record Polar takes on receipts, customer accounts, dunning, sales tax and VAT.

Polar is built with Python and FastAPI on the backend and Next.js, React and TypeScript on the frontend, in a Turborepo monorepo, and is licensed under Apache-2.0. An API and SDKs let you integrate it into docs, sites and services. Pricing is per transaction, and an application-based Startup Program is available for eligible startups.

BTCPay Server is a free and open-source Bitcoin payment processor that you host yourself. It lets merchants accept Bitcoin directly from customers without relying on a third-party intermediary or paying processor fees, and the project positions it as a payment gateway for online stores and other businesses.

The README points users, operators, developers and maintainers to separate documentation tracks, and the project provides a Greenfield API for integrations and a plugin system for extensions. Repository topics mention the Lightning Network, point-of-sale and crowdfunding use cases alongside the payment gateway itself. A public demo, a community chat and a discussions forum support new users.

BTCPay Server is written in C# and released under the MIT licence. Security vulnerabilities must be reported through the private process described in the security policy instead of public issues. As with any self-hosted payment system, the operator is responsible for running and securing the server.

Kill Bill is an open-source platform for subscription billing and payment processing. It is meant for online businesses that want to manage plans, invoices and payments themselves rather than depend on a third-party billing service, which also keeps customer and financial data under their own control.

The platform provides real-time analytics and financial reports out of the box, supports experimenting with different subscription models, and makes it straightforward to run trials and short-lived promotional discounts. It is highly modular, so functionality that is not needed can be turned off or swapped for an existing system, and an extension framework lets teams add their own behavior.

Kill Bill is written in Java and licensed under Apache-2.0. It can run on your own premises or in the cloud, and a business can begin with one area and migrate others over time. Its documentation lives on docs.killbill.io, and the project describes its approach as SaaS-style billing combined with open-source ownership.

Meteroid is a cloud-native pricing and billing platform aimed at SaaS, infrastructure and AI companies. It is designed for businesses moving to usage-based or product-led pricing, closing the gap between what customers use and what they are billed by connecting to your systems through an API.

Its capabilities include usage metering that turns raw events such as API requests, tokens or storage into billable metrics in real time, flexible pricing with flat, usage-based, tiered or hybrid models and versioned plans, and subscription management with upgrades, downgrades and mid-cycle changes. It also covers quotes (CPQ), invoicing, cost limits, grandfathering, experiments and revenue analytics. Topics mention Stripe, ClickHouse and payments.

Meteroid is built with Rust and TypeScript and licensed under AGPL-3.0, and it can be self-hosted. The README also offers a free workspace on Meteroid Cloud with no credit card required, so teams can try it without setup. The latest release is a 1.0 release candidate. It suits product and engineering teams that want ownership of their billing logic.