Open Source Alternatives to CloudPay
60 open source Fintech options similar to CloudPay, ranked by named competitors first, sector overlap, and our 0-100 AI-readiness score. Each profile notes license and self-hosting where we have it.
Aemetis15Climate TechCupertino, United StatesAemetis is a renewable fuels and biochemicals company focused on low-carbon solutions like RNG and SAF.
Open source · Self-hostable
Shopify78E-commerce PlatformOttawa, Canada$122.3MShopify provides a leading e-commerce platform that enables businesses of all sizes to create online stores, manage products, process payments, and fulfill orders, simplifying digital sales globally.
Open source
Razorpay73FintechBengaluru, IndiaA leading payment gateway and financial services platform for businesses in India.
Open source
Clair63FintechNew York, United States$67.7MEmbedded earned wage access for employees, integrated with HR platforms.
Open source
Finch59FintechSan Francisco, United StatesAPI for HR, payroll, and benefits administration.
Open source
Lava Payments36FintechLondon, United Kingdom$7.8MLava Payments is a fintech startup providing a payment orchestration platform for businesses to manage and optimize their payment flows.
Open source
Hycos AI15EnterpriseAI-powered profit floor solution for Shopify Plus merchants using NetSuite, preventing orders from shipping below margin.
Open source
Forter85FintechNew York, United States$550.0MForter provides an AI-powered trust platform for digital commerce, preventing fraud and abuse while maximizing revenue.
Open source
Plaid74FintechSan Francisco, United States$734.3MPlaid provides a data transfer network powering fintech and digital finance products.
Open source
Rapyd73PaymentsLondon, United Kingdom$1.3BGlobal fintech-as-a-service platform enabling businesses to accept, send, and manage funds worldwide.
Open source
Stripe, Inc.72BillingSouth San Francisco, United States$11.4BStripe, Inc. is an Irish-American multinational financial services and software as a service company dual-headquartered in South San Francisco, California, Unit
Open source
Chargebee69FintechChennai, India$303.0MSubscription management and recurring billing platform for SaaS and e-commerce businesses.
Open source
Stripes AI68FintechSouth San Francisco, United States$25.4MFinancial infrastructure platform enabling businesses to accept payments and manage global operations.
Open source
Mercury64FintechSan Francisco, United States$500.0MBusiness banking.
Open source
Alloy62FintechSan Francisco, United States$207.0MIdentity risk management platform for financial institutions and fintechs to automate onboarding, fraud prevention, and compliance.
Open source
Shift4 Europe62FintechAllentown, United States$160.0MCommerce enablement technology powering billions of transactions for businesses globally.
Open source
Afterpay61FintechMelbourne, Australia$1.0BBuy Now, Pay Later service enabling interest-free installment payments for consumers.
Open source
Iyzico58FintechIstanbul, Turkey$30.6MOnline payment gateway and financial services provider for businesses in Turkey and emerging markets.
Open source
Paid57Agentic AISan Francisco, United States$21.0MAll-in-one revenue engine for AI agents, handling pricing, subscriptions, billing, and renewals.
Open source
Decentriq55CybersecurityZurich, Switzerland$23.8MEnterprise SaaS platform providing secure, compliant data clean rooms for privacy-first data collaboration.
Open source
Volt55FintechLondon, United Kingdom$140.0MAn open banking payment platform enabling real-time account-to-account payments globally.
Open source
Tweed54FintechNew York, United States$4.0MSelf-custodial key management and white-label wallets for platforms integrating Web3.
Open source
PPRO54FintechLondon, United Kingdom$150.0MGlobal payment infrastructure provider enabling businesses to accept and make payments worldwide.
Open source
Banked53FintechLondon, United Kingdom$2.0MA payment infrastructure company enabling account-to-account payments.
Open source
RevenueCat51FintechSan Francisco, United States$50.0MSubscription infrastructure for mobile apps, simplifying in-app purchases and subscriptions.
Open source
Kima50BlockchainTel Aviv, Israel$6.7MFintech protocol for universal liquidity, fixing DeFi interoperability by uniting fragmented blockchains and assets.
Open source
- SUSuperfluid Foundation49FintechZug, Switzerland$28.2M
Real-time finance infrastructure for Web3, enabling per-second value transfer and automated continuous payments.
Open source · Self-hostable
- KEKeeta Network48BlockchainSanta Monica, United States$34.0M
A high-performance Layer 1 blockchain network connecting payment systems for efficient, compliant global asset transfers.
Open source
Bluprynt47FintechNew York, United States$6.0MThe Compliance OS for Onchain Finance.
Open source
WorkMotion47HR TechBerlin, Germany$3.0MA global HR platform for remote hiring and employee management.
Open source
Horizon Blockchain Games47FintechToronto, Canada$10.0MBuilding the infrastructure for the onchain internet with smart wallets and cross-chain payments.
Open source
Tapaya46FintechPrague, Czech Republic$1.1MPayments infrastructure for banks, fintechs, and software platforms.
Open source
T-REX42FintechNew York, United States$52.0MAI-powered platform for managing and analyzing complex financial data and transactions.
Open source
Credbull41FintechTel Aviv, Israel$1.5MAI-powered platform for managing and optimizing B2B payment workflows.
Open source
Prava40FintechSan Francisco, United States$1.5MPayments orchestrator for AI agents, enabling secure, encrypted payments via API and wallet.
Open source
Ecton Labs40FintechNew York, United StatesReimagining patient financial engagement in healthcare through technology.
Open source
Natural39Agentic PaymentsSan Francisco, United States$12.0MAgentic payments platform powering frictionless money movement between AI agents, businesses, and consumers.
Open source
KNAV35Financial ServicesAtlanta, USA$1.0MAI-powered platform for financial services.
Open source
finitiOne27Loyalty ProgramsEnterprise loyalty and affinity program solution serving millions of users.
Open source
Tryledger23FintechAI-driven ledger management solutions for financial technology operations.
Open source
Traditional Payment Gateways (Stripe, PayPal)23FintechSan Francisco, United StatesA financial infrastructure platform offering payment processing, banking-as-a-service, and business tools for internet companies.
Open source
Mercury Technologies, .19FintechSan Francisco, United StatesBusiness banking and financial tools for startups and growing companies.
Open source
Forgemesh11API PlatformProtocol-grade building blocks for the autonomous agent economy, enabling machine-to-machine commerce.
Open source
- LOLobster.cash9Fintech
Secure payment solution for AI agents using virtual credit cards and stablecoins.
Open source
Bridgefinance8FintechAI-powered platform for automating and optimizing financial workflows for businesses.
Open source
Lians8Agentic AILians provides a financial-grade memory layer for AI agents operating in regulated environments, ensuring point-in-time correct and tamper-evident recall.
Open source
Nvoiced6FintechAI-powered accounts receivable automation platform that streamlines invoicing, payment collection, and customer communication for businesses.
Open source
Velocitypay4FintechVelocitypay offers a payment processing platform for businesses, focusing on seamless integration and efficient transactions.
Open source
arnipayFintechAsunción, ParaguayOnline payment gateway for businesses in Paraguay, offering QR, Tigo Money, and Personal Pay integrations.
Open source
FincharterFintechInnovative fintech solutions platform launching soon. Subscribe for updates.
Open source
- FlasFintech
A platform for company registration, Mercury bank account opening, and Stripe payment integration.
Open source
KurojiAgentic AIAn AI CFO agent that watches your bank, Stripe, and payroll with cryptographically auditable ledgers.
Open source
OpenAI84Artificial IntelligenceSan Francisco, United States$190.6BOpenAI is an AI research and deployment company dedicated to ensuring that artificial general intelligence benefits all of humanity.
Open source
Bloomberg L.P.82FintechNew York, United States$60.1BGlobal financial, software, data, and media company providing real-time information and analytics.
Open source
Vanta75CybersecuritySan Francisco, United States$154.0MAutomates security and compliance for growing businesses.
Open source
ShiftMed74HealthTechRockville, United States$292.0MIntelligent workforce management platform for healthcare to fill shift vacancies cost-effectively.
Open source
StarkWare73BlockchainTel Aviv, Israel$180.0MDevelops blockchain scaling solutions using STARK technology for Ethereum-secure, fast, and seamless user experiences.
Open source
LogicGate Risk Cloud68GRCChicago, United States$269.0MAI-powered GRC platform automating risk and compliance workflows for enterprises.
Open source
Paddle67FintechLondon, United Kingdom$318.0MPaddle is a comprehensive payments, tax, and subscription solution for SaaS companies.
Open source
Orion Advisor Solutions67FintechOmaha, United States$223.0MTechnology platform for financial advisors to manage client relationships and operations.
Open source