Best open-source alternatives to Stripe

Hyperswitch is an open-source payments infrastructure platform built for businesses that want to own and customize their payment stack. It is designed around a modular architecture, allowing teams to adopt only the components they need, such as routing, retries, vaulting, reconciliation, and cost observability, rather than deploying a monolithic payments product. The project targets teams operating or modernizing payment systems, especially those dealing with multiple payment processors or direct acquirer integrations. It is positioned as a developer-friendly, enterprise-tested system that can be run locally with Docker, deployed to major cloud providers with Helm, or explored through a hosted sandbox. The README also points to a Control Center UI for configuring connectors, viewing logs, and testing payments.

Lago is an open-source billing platform designed for product-led SaaS companies that need usage-based and subscription-based pricing. It presents itself as a programmable API for billing, aiming to replace or complement systems like Chargebee, Recurly, and Stripe Billing. The project focuses on event-based metering, flexible pricing plans, coupons, one-time add-ons, invoicing, and prepaid credits. It is intended to integrate with internal systems and tools such as payment gateways, CRMs, CPQs, and accounting software, while keeping customer data within the user's infrastructure for self-hosted deployments. The README also describes a local Docker Compose setup for running the full stack and notes that Lago provides both self-hosted and cloud offerings. It additionally mentions basic analytics/tracking on self-hosted instances, with a page for disabling it.

Invoice Ninja 5 is an invoicing application designed for businesses that need to create and manage invoices, support a client portal, and expose an API for integrations. The README presents both a hosted SaaS offering and a self-hosted edition, making it suitable for teams that want either a managed service or full control over their own infrastructure. The project also includes mobile and desktop clients, plus self-hosted deployment options such as Docker and server/VM installation. It documents API usage, developer guidance, and user documentation, and highlights that Pro and Enterprise features from the hosted app are included in the source-available code. The README also shows example login credentials for administrator and client portal access, indicating support for multiple user roles.

BTCPay Server is a self-hosted Bitcoin payment processor designed for merchants and organizations that want to accept Bitcoin without relying on intermediaries or paying processing fees. It emphasizes user control, privacy, and non-custodial operation, with support for SegWit, Tor, Lightning Network integrations, and hardware wallet-based vault workflows. The project is aimed at users who want to deploy their own payment infrastructure or use a third-party host, and it includes documentation for deployment, account setup, and walkthroughs. It also provides merchant-oriented tools such as invoice management, payment requests, point-of-sale flows, crowdfunding, and donation buttons, plus both a newer Greenfield API and a legacy BitPay-compatible API for integration.

Kill Bill is an open-source subscription billing and payments platform aimed at businesses that need to manage billing, payments, and SaaS-style subscription operations. It is positioned as a scalable backend for online businesses, including larger SaaS and e-commerce organizations, and emphasizes avoiding vendor lock-in by keeping business and client data under the operator’s control. The project highlights out-of-the-box capabilities such as real-time analytics, financial reporting, trial management, and promotional discounts. It is described as modular and extensible, allowing operators to disable or replace functionality as needed. The README also points to technical documentation, an AWS one-click deployment path, and hosted sandboxes and developer tools through the project’s cloud site.

InvoicePlane is a self-hosted web application for invoicing and client billing workflows. It is intended for individuals or businesses that want to create, send, and manage invoices and quotes without relying on a third-party SaaS product, while also keeping track of clients, payments, and related financial records. The project is deployed on a web server and configured through a PHP-based setup process. Users download the release, place the files on their hosting environment, set basic configuration values, and then run the installer through a browser. The README also highlights optional URL rewriting via mod_rewrite and points users to the project wiki for installation, upgrades, troubleshooting, and community support.

FOSSBilling is an open-source billing and client management system aimed at online service businesses. It is positioned for web hosting providers, but the README notes that it also fits software licensing, digital downloads, and subscription-based businesses. The project helps automate common operational tasks such as invoicing, payment handling, and client communication. It emphasizes extensibility, multilingual support, and a responsive interface that works on both desktop and mobile devices. The README also points users to a public demo and an installation guide, indicating that the project is intended for self-hosted deployment on standard LAMP/LEMP environments.

SolidInvoice is an open-source invoicing platform aimed at small businesses and freelancers who need to manage everyday billing tasks. It provides a web-based interface for handling clients, contacts, quotes, invoices, taxes, discounts, and payment collection. The project also exposes a RESTful API for integration with other systems and supports notifications through channels such as email, text messages, and HipChat. It can be installed via Docker, from an archived release package, or directly from source for developers and production deployments.