Payment platforms and libraries in 2026
14 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. 25 open-source projects, ranked by GitHub stars and how recently each was worked on. Hyperswitch leads with 46k stars, ahead of Btcpayserver. 18 had code pushed in the last three months. Most common licenses: MIT (12), Apache-2.0 (8) and AGPL-3.0 (5).
Narrower
- Payment orchestration platforms 6 Spreedly, Primer and Gr4vy
- Self-hosted payment gateways 15 Adyen, Checkout.com and Stripe Payments
- Payment libraries 18 Active Merchant, Payum and Omnipay
Commercial payment platforms and libraries
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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 -
11
Spreedly Spreedly
Spreedly is the world's leading Payments Orchestration Platform that lets you connect to payment services in over 100 countries with a single API connection.
Integration Production-ready A merchant or platform uses several payment processors and wants to own its card tokens independently of any one.
Commercial -
12
Primer Primer
Giving finance and payments teams the full picture of every transaction and the intelligence to act on it.
Integration Usable A large merchant using several processors wants routing, fallback and unified payment reporting.
Commercial -
13
Gr4vy Gr4vy
Payment orchestration platform that gives enterprises full control. Connect 400+ PSPs through a single integration and optimize every transaction.
Integration Usable An enterprise wants orchestration with its own isolated instance and control over routing rules.
Commercial -
14
CellPoint Digital CellPoint Digital
Integration Usable An airline or travel seller needs orchestration that understands travel payment flows and distribution channels.
Commercial
Open-source payment platforms and libraries
Complete systems you can adopt 3
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1
Hyperswitch juspay
Open source, composable payments platform | PCI compliant | SaaS and Self-host options | Enables connectivity to multiple payment, payout, fraud, vault and tokenization providers | Uplifts authorization with intelligent routing and revenue recovery | Reduce payment processing costs with cost observability | Reduces payment ops with reconciliation
Complete system Production-ready You process enough payments to benefit from routing across several processors and have engineers to run it.
★ 46k Apache-2.0 Rust Active, pushed today -
2
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 -
3
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
Building blocks for your own system 6
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1
Active Merchant activemerchant
Active Merchant is a simple payment abstraction library extracted from Shopify. The aim of the project is to feel natural to Ruby users and to abstract as many parts as possible away from the user to offer a consistent interface across all supported gateways.
Building block Production-ready Your Ruby app needs to charge cards through one or more gateways with a single API.
★ 4.6k MIT Ruby Active, pushed 12 days ago -
2
Payum Payum
PHP Payment processing library. It offers everything you need to work with payments: Credit card & offsite purchasing, subscriptions, payouts etc.
Building block Production-ready You are building a PHP shop, especially on Symfony or Sylius, and need gateway-agnostic payment flows.
★ 1.9k MIT PHP Active, pushed today -
3
Omnipay thephpleague
A framework agnostic, multi-gateway payment processing library for PHP 5.6+
Building block Production-ready Your PHP app must support several payment gateways behind one interface.
★ 6.1k MIT PHP Slowing, pushed 4 months ago -
4
Hyperswitch Prism juspay
One library | Many payment processors | Scale to multiple processors with few lines of code.
Building block Usable You want to support or switch between several payment processors without integrating each one separately.
★ 1.4k Apache-2.0 Rust Active, pushed 6 days ago -
5
jPOS jpos
jPOS Project
Building block Production-ready You build card switching, acquiring or issuing systems in Java and need a long-established ISO 8583 toolkit.
★ 731 AGPL-3.0 Java Active, pushed 13 days ago -
6
ACH moov-io
ACH implements a reader, writer, and validator for Automated Clearing House (ACH) files. The HTTP server is available in a Docker image and the Go package is available.
Building block Production-ready You build software that creates or processes US ACH files.
★ 570 Apache-2.0 Go Active, pushed today
Integrations 1
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1
Payment shetabit
simple laravel payment package , supports multiple drivers
Integration Production-ready You build a Laravel app that takes payments through Iranian gateways.
★ 959 MIT PHP Active, pushed 35 days ago
Compared head to head
Looking for an alternative to
Open-source licenses
- Permissive: 20. Use it anywhere, including in closed products. You keep the copyright notice; Apache-2.0 also grants patent rights.
- Network copyleft: 5. Like GPL, and running a changed version as a web service counts as distributing it, so its users get the source too.
Languages
PHP 6, Go 5, Java 4, Rust 2, C# 1, Ruby 1, Python 1, TypeScript 1, Kotlin 1, SCSS 1, JavaScript 1 and Elixir 1.
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