GoCardless vs Open Payment Host
GoCardless and Open Payment Host are both self-hosted payment gateway software. GoCardless is a commercial product from GoCardless. Open Payment Host is open source under AGPL-3.0, with 243 GitHub stars.
Which to pick
- Pick GoCardless when
- You collect regular invoices or subscriptions and want lower fees and fewer failures than cards.
- Pick Open Payment Host when
- You sell a few digital products and want to avoid platform commissions on top of Stripe fees.
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 self-hosted storefront for selling digital products, subscriptions and files through Stripe, as an alternative to Gumroad or Ko-fi.
Bank debit settles slowly and customers must authorise a mandate, which adds signup friction.
One maintainer, no releases, and you take on tax handling that Gumroad-style platforms do for you.
Production-ready
Experimental
Cloud service
Self-hosted server
Not published
Go, PostgreSQL, SQLite and Stripe
Closed source, sold by GoCardless
Open source, AGPL-3.0 (network copyleft)
Closed source: you use it under the maker's terms and cannot change or resell the code.
Use inside your business is unrestricted. If you change it and let customers use it over the internet, you must publish your changes.
406 Wikipedia readers a month on phones
243 GitHub stars
Not known
Established: started 3 years ago, no tagged release yet.
Other comparisons
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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.