Open source focus
Open Source Alternatives to Klarna
60 open source Fintech options similar to Klarna, 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.
Afterpay61FintechMelbourne, Australia$1.0BOpen source
Aemetis15Climate TechCupertino, United StatesOpen source · Self-hostable
Shopify55E-commerce PlatformOttawa, Canada$122.3MOpen source
Razorpay73FintechBengaluru, IndiaOpen source
Rapyd73PaymentsLondon, United Kingdom$1.3BOpen source
Shift4 Europe61FintechAllentown, United States$160.0MOpen source
Iyzico58FintechIstanbul, Turkey$30.6MOpen source
Traditional Payment Gateways (Stripe, PayPal)23FintechSan Francisco, United StatesOpen source
Tryledger21FintechOpen source
Hycos AI15EnterpriseOpen source
VelocitypayFintechOpen source
Plaid74FintechSan Francisco, United States$734.3MOpen source
Stripe, Inc.72BillingSouth San Francisco, United States$11.4BOpen source
Chargebee69FintechChennai, India$303.0MOpen source
Stripes AI68FintechSouth San Francisco, United States$25.4MOpen source
Mercury64FintechSan Francisco, United States$500.0MOpen source
Rewire63FintechTel Aviv, Israel$57.0MOpen source
Wirex62FintechLondon, United Kingdom$15.0MOpen source
Volt55FintechLondon, United Kingdom$140.0MOpen source
Banked53FintechLondon, United Kingdom$2.0MOpen source
PPRO52FintechLondon, United Kingdom$150.0MOpen source
- SUSuperfluid Foundation49FintechZug, Switzerland$28.2M
Open source · Self-hostable
Horizon Blockchain Games47FintechToronto, Canada$10.0MOpen source
CyberGuard AI47CybersecurityDurham, United Kingdom$1.0BOpen source
Credbull40FintechTel Aviv, Israel$1.5MOpen source
KNAV34Financial ServicesAtlanta, USA$1.0MOpen source
Lava Payments29FintechLondon, United Kingdom$7.8MOpen source
Mercury Technologies, .19FintechSan Francisco, United StatesOpen source
- LOLobster.cash9Fintech
Open source
arnipayFintechAsunción, ParaguayOpen source
FincharterFintechOpen source
QuantlendFintechOpen source
Forter85FintechNew York, United States$550.0MOpen source
Paid57Agentic AISan Francisco, United States$21.0MOpen source
RevenueCat57FintechSan Francisco, United States$50.0MOpen source
BitPay56FintechAtlanta, United StatesOpen source
Tweed54FintechNew York, United States$4.0MOpen source
ROX Financial53FintechNew York, United StatesOpen source
Breez52CryptoTel Aviv, Israel$5.0MOpen source
Kima50BlockchainTel Aviv, Israel$6.7MOpen source
Choco Insurance47FintechTel Aviv, IsraelOpen source
Prava46FintechSan Francisco, United States$1.5MOpen source
Tapaya46FintechPrague, Czech Republic$1.1MOpen source
Ecton Labs40FintechNew York, United StatesOpen source
Natural39Agentic PaymentsSan Francisco, United States$12.0MOpen source
Gigaroo37Fintech$2.5MOpen source
Kayko31FintechKigali, RwandaOpen source
finitiOne27Loyalty ProgramsOpen source
PayAI15FintechOpen source
Libra13FintechGeneva, SwitzerlandOpen source
- X4x402.org10EdTech
Open source
- FlasFintechSan Francisco, United States
Open source
BridgefinanceFintechTel Aviv, IsraelOpen source
eToro85FintechLimassol, Cyprus$524.0MOpen source
Nike79Athletic FootwearBeaverton, United States$2.8BOpen source
WooCommerce (Automattic)76E-commerceSan Francisco, United States$815.7MOpen source · Self-hostable
Alpaca67FintechNew York, United States$202.0MOpen source
Paddle67FintechLondon, United Kingdom$318.0MOpen source
Remitly66FintechSeattle, United StatesOpen source
VTEX Commerce Platform64E-commerceRio de Janeiro, Brazil$445.0MOpen source
| Company | Sector | License | HQ | Funding | Score | Website |
|---|---|---|---|---|---|---|
| Afterpay | Fintech | Open source | Melbourne, Australia | $1.0B | 61 | |
| Aemetis | Climate Tech | Open source · Self-hostable | Cupertino, United States | — | 15 | |
| Shopify | E-commerce Platform | Open source | Ottawa, Canada | $122.3M | 55 | |
| Razorpay | Fintech | Open source | Bengaluru, India | — | 73 | |
| Rapyd | Payments | Open source | London, United Kingdom | $1.3B | 73 | |
| Shift4 Europe | Fintech | Open source | Allentown, United States | $160.0M | 61 | |
| Iyzico | Fintech | Open source | Istanbul, Turkey | $30.6M | 58 | |
| Traditional Payment Gateways (Stripe, PayPal) | Fintech | Open source | San Francisco, United States | — | 23 | |
| Tryledger | Fintech | Open source | — | — | 21 | |
| Hycos AI | Enterprise | Open source | — | — | 15 | |
| Velocitypay | Fintech | Open source | — | — | — | |
| Plaid | Fintech | Open source | San Francisco, United States | $734.3M | 74 | |
| Stripe, Inc. | Billing | Open source | South San Francisco, United States | $11.4B | 72 | |
| Chargebee | Fintech | Open source | Chennai, India | $303.0M | 69 | |
| Stripes AI | Fintech | Open source | South San Francisco, United States | $25.4M | 68 | |
| Mercury | Fintech | Open source | San Francisco, United States | $500.0M | 64 | |
| Rewire | Fintech | Open source | Tel Aviv, Israel | $57.0M | 63 | |
| Wirex | Fintech | Open source | London, United Kingdom | $15.0M | 62 | |
| Volt | Fintech | Open source | London, United Kingdom | $140.0M | 55 | |
| Banked | Fintech | Open source | London, United Kingdom | $2.0M | 53 | |
| PPRO | Fintech | Open source | London, United Kingdom | $150.0M | 52 | |
| SUSuperfluid Foundation | Fintech | Open source · Self-hostable | Zug, Switzerland | $28.2M | 49 | |
| Horizon Blockchain Games | Fintech | Open source | Toronto, Canada | $10.0M | 47 | |
| CyberGuard AI | Cybersecurity | Open source | Durham, United Kingdom | $1.0B | 47 | |
| Credbull | Fintech | Open source | Tel Aviv, Israel | $1.5M | 40 | |
| KNAV | Financial Services | Open source | Atlanta, USA | $1.0M | 34 | |
| Lava Payments | Fintech | Open source | London, United Kingdom | $7.8M | 29 | |
| Mercury Technologies, . | Fintech | Open source | San Francisco, United States | — | 19 | |
| LOLobster.cash | Fintech | Open source | — | — | 9 | |
| arnipay | Fintech | Open source | Asunción, Paraguay | — | — | |
| Fincharter | Fintech | Open source | — | — | — | |
| Quantlend | Fintech | Open source | — | — | — | |
| Forter | Fintech | Open source | New York, United States | $550.0M | 85 | |
| Paid | Agentic AI | Open source | San Francisco, United States | $21.0M | 57 | |
| RevenueCat | Fintech | Open source | San Francisco, United States | $50.0M | 57 | |
| BitPay | Fintech | Open source | Atlanta, United States | — | 56 | |
| Tweed | Fintech | Open source | New York, United States | $4.0M | 54 | |
| ROX Financial | Fintech | Open source | New York, United States | — | 53 | |
| Breez | Crypto | Open source | Tel Aviv, Israel | $5.0M | 52 | |
| Kima | Blockchain | Open source | Tel Aviv, Israel | $6.7M | 50 | |
| Choco Insurance | Fintech | Open source | Tel Aviv, Israel | — | 47 | |
| Prava | Fintech | Open source | San Francisco, United States | $1.5M | 46 | |
| Tapaya | Fintech | Open source | Prague, Czech Republic | $1.1M | 46 | |
| Ecton Labs | Fintech | Open source | New York, United States | — | 40 | |
| Natural | Agentic Payments | Open source | San Francisco, United States | $12.0M | 39 | |
| Gigaroo | Fintech | Open source | — | $2.5M | 37 | |
| Kayko | Fintech | Open source | Kigali, Rwanda | — | 31 | |
| finitiOne | Loyalty Programs | Open source | — | — | 27 | |
| PayAI | Fintech | Open source | — | — | 15 | |
| Libra | Fintech | Open source | Geneva, Switzerland | — | 13 | |
| X4x402.org | EdTech | Open source | — | — | 10 | |
| Fintech | Open source | San Francisco, United States | — | — | ||
| Bridgefinance | Fintech | Open source | Tel Aviv, Israel | — | — | |
| eToro | Fintech | Open source | Limassol, Cyprus | $524.0M | 85 | |
| Nike | Athletic Footwear | Open source | Beaverton, United States | $2.8B | 79 | |
| WooCommerce (Automattic) | E-commerce | Open source · Self-hostable | San Francisco, United States | $815.7M | 76 | |
| Alpaca | Fintech | Open source | New York, United States | $202.0M | 67 | |
| Paddle | Fintech | Open source | London, United Kingdom | $318.0M | 67 | |
| Remitly | Fintech | Open source | Seattle, United States | — | 66 | |
| VTEX Commerce Platform | E-commerce | Open source | Rio de Janeiro, Brazil | $445.0M | 64 |