GoCardless vs Hyperswitch
GoCardless and Hyperswitch are both payments software. GoCardless is a commercial product from GoCardless. Hyperswitch is open source under Apache-2.0, with 46k GitHub stars.
Which to pick
- Pick GoCardless when
- You collect regular invoices or subscriptions and want lower fees and fewer failures than cards.
- Pick Hyperswitch when
- You process enough payments to benefit from routing across several processors and have engineers to run it.
Side by side
Collects recurring and one-off payments by bank debit and open-banking pay-by-bank across the UK, Europe, Australia, New Zealand and North America.
A payments orchestration platform that connects one API to many processors, payout, fraud and vault providers, with routing, retries and reconciliation.
Bank debit settles slowly and customers must authorise a mandate, which adds signup friction.
Self-hosting a PCI-scoped payment system is a serious operational and compliance burden.
Production-ready (both)
Cloud service
Self-hosted server and cloud service
Not published
Rust, PostgreSQL and Redis
Closed source, sold by GoCardless
Open source, Apache-2.0 (permissive)
Closed source: you use it under the maker's terms and cannot change or resell the code.
You can build it into a product you sell, as long as you keep its copyright notice.
406 Wikipedia readers a month on phones
46k GitHub stars
Not known
Established: started 4 years ago, latest release v1.129.0.
Other comparisons
More payment platforms and libraries
Both sides were judged on 2026-11-03 from makers' descriptions, Wikipedia, READMEs and GitHub data. License, age and popularity lines are worked out directly.