Self-hosted payment gateways in 2026
10 commercial products, ranked by how many people read about each, or about its maker, on Wikipedia's mobile site. Of those with an article of their own, Adyen has the most readers, about 2k a month. 5 open-source projects, ranked by GitHub stars and how recently each was worked on. Btcpayserver leads with 7.9k stars, ahead of Bitcart. 4 had code pushed in the last three months. Most common licenses: AGPL-3.0 (3) and MIT (2).
Commercial self-hosted payment gateways
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1
Adyen Adyen
Run payments, manage your data, and offer financial products in one platform. Adyen is purpose-built for the world
Building block Production-ready A large merchant processing high volumes across many countries wants one acquirer for every channel.
2k readers a month Since 2006 Commercial -
2
Checkout.com Checkout.com
Boost your acceptance rate, cut processing costs, fight fraud, and create extraordinary customer experiences with Checkout.com's payment solutions.
Building block Production-ready A high-volume online merchant, especially in Europe or the Middle East, wants negotiated rates and acquiring in many markets.
994 readers a month Commercial -
3
Stripe Payments Stripe, Inc.
Capture more revenue with a unified payments solution that eliminates the need for one-off merchant account, payment gateway, and processor integrations.
Building block Production-ready You need to accept payments online and want the best-documented API with wide country coverage.
Commercial -
4
PayPal Braintree PayPal
Explore PayPal Braintree and how our end-to-end payment platform can help drive growth. Learn more about PayPal Braintree on the PayPal website.
Building block Production-ready You want card processing and PayPal or Venmo checkout through one integration.
Commercial -
5
GoCardless GoCardless
Collect and send payments, minimise failures, and fight fraud. No more chasing payments and no expensive card fees.
Complete system Production-ready You collect regular invoices or subscriptions and want lower fees and fewer failures than cards.
406 readers a month Since 2011 Commercial -
6
Authorize.net Visa Inc.
Authorize.net is an online payment system and credit card payment processor. We provide secure credit card payment processing systems for subscriptions, retail, and mobile, serving as your trusted credit card processor for low‑cost eChecks/ACH.
Building block Production-ready A US merchant has an existing merchant account or software that integrates only with Authorize.net.
84 readers a month Since 1996 Commercial -
7
Worldpay Worldpay
We power global commerce by providing exceptional payments technology and expertise to businesses. Find out how Worldpay can help you.
Building block Production-ready A large retailer or established merchant wants a major acquirer with in-store and online acceptance.
9 readers a month Commercial -
8
Mollie Mollie
One platform to accept payments, manage money, and access funding. Eliminate financial friction and grow your business with Mollie.
Building block Production-ready A European small or midsize merchant wants simple pricing and broad local payment methods.
Commercial -
9
Square Online Payments Block, Inc.
Building block Production-ready A business already using Square in store wants online payments on the same account and reporting.
Commercial -
10
Razorpay Razorpay
Online Payments India: Start Accepting Payments Instantly with Razorpay
Building block Production-ready A business selling to customers in India wants local payment methods, especially UPI.
Commercial
Open-source self-hosted payment gateways
Complete systems you can adopt 5
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1
Btcpayserver btcpayserver
Accept Bitcoin payments. Free, open-source & self-hosted, Bitcoin payment processor.
Complete system Production-ready You want to accept Bitcoin directly into your own wallet without a third-party processor.
★ 7.9k MIT C# Active, pushed today -
2
Bitcart bitcart
Bitcart is a free and open-source self-hosted payment processor for BTC, LTC, BCH, XMR, ETH, TRX, USDT and more
Complete system Usable You want to accept several cryptocurrencies, not just Bitcoin, on your own server.
★ 1k MIT Python Active, pushed today -
3
Open Payment Host abishekmuthian
Sell what you want without paying double commissions. Self hosted alternative for Gumroad, Buy Me a Coffee, Ko-fi etc.
Complete system Experimental You sell a few digital products and want to avoid platform commissions on top of Stripe fees.
★ 243 AGPL-3.0 Go Active, pushed 34 days ago -
4
OwnPay own-pay
Self-hosted, open-source payment gateway. Manage brands, gateways, and transactions on your own infrastructure.
Complete system Experimental You want to test a self-hosted gateway layer over local payment methods and can audit it.
★ 213 AGPL-3.0 PHP Active, pushed today -
5
PipraPay PipraPay
Empower your payment operations with PipraPay, the free and open-source, plugin-based platform for automated payments and full workflow control.
Complete system Experimental You sell online in Bangladesh and want to automate mobile wallet payment confirmation yourself.
★ 330 AGPL-3.0 PHP Slowing, pushed 5 months ago
Compared head to head
Also under payment platforms and libraries
Open-source licenses
- Network copyleft: 3. Like GPL, and running a changed version as a web service counts as distributing it, so its users get the source too.
- Permissive: 2. Use it anywhere, including in closed products. You keep the copyright notice; Apache-2.0 also grants patent rights.
Languages
PHP 2, C# 1, Python 1 and Go 1.
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