Open source focus
Open Source Alternatives to Mastercard's Tap on Phone
60 open source Fintech options similar to Mastercard's Tap on Phone, 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.
Tapaya48FintechPrague, Czech Republic$1.1MOpen source
Shift4 Europe61FintechAllentown, United States$160.0MOpen source
Shopify55E-commerce PlatformOttawa, Canada$122.3MOpen source
Plaid74FintechSan Francisco, United States$734.3MOpen source
Razorpay73FintechBengaluru, IndiaOpen source
Rapyd73PaymentsLondon, United Kingdom$1.3BOpen source
Iyzico58FintechIstanbul, Turkey$30.6MOpen 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
Lava Payments29FintechLondon, United Kingdom$7.8MOpen source
Traditional Payment Gateways (Stripe, PayPal)23FintechSan Francisco, United StatesOpen source
Aemetis15Climate TechCupertino, United StatesOpen source · Self-hostable
- LOLobster.cash9Fintech
Open source
VelocitypayFintechOpen source
arnipayFintechAsunción, ParaguayOpen 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
Afterpay61FintechMelbourne, Australia$1.0BOpen source
RevenueCat57FintechSan Francisco, United States$50.0MOpen source
Paid57Agentic AISan Francisco, United States$21.0MOpen source
BitPay56FintechAtlanta, United StatesOpen source
Tweed54FintechNew York, United States$4.0MOpen source
Breez52CryptoTel Aviv, Israel$5.0MOpen source
Kima50BlockchainTel Aviv, Israel$6.7MOpen source
Prava46FintechSan Francisco, United States$1.5MOpen source
Ecton Labs40FintechNew York, United StatesOpen source
Credbull40FintechTel Aviv, Israel$1.5MOpen source
Natural39Agentic PaymentsSan Francisco, United States$12.0MOpen source
Gigaroo37Fintech$2.5MOpen source
KNAV34Financial ServicesAtlanta, USA$1.0MOpen source
finitiOne27Loyalty ProgramsOpen source
Tryledger21FintechOpen source
Mercury Technologies, .19FintechSan Francisco, United StatesOpen source
PayAI15FintechOpen source
Libra13FintechGeneva, SwitzerlandOpen source
- X4x402.org10EdTech
Open source
- FlasFintechSan Francisco, United States
Open source
FincharterFintechOpen source
Forter85FintechNew York, United States$550.0MOpen source
eToro85FintechLimassol, Cyprus$524.0MOpen source
Alpaca67FintechNew York, United States$202.0MOpen source
Paddle67FintechLondon, United Kingdom$318.0MOpen source
Remitly66FintechSeattle, United StatesOpen source
Clair63FintechNew York, United States$67.7MOpen source
Alloy62FintechSan Francisco, United States$207.0MOpen source
Solana61BlockchainSan Francisco, United States$195.5MOpen source
Mollie60FintechAmsterdam, Netherlands$870.0MOpen source
Finch59FintechSan Francisco, United StatesOpen source
April57FintechNew York, United States$78.0MOpen source
Catena Labs56Agentic AISan Francisco, United States$36.0MOpen source
BasisTheory55FintechSan Francisco, United States$17.0MOpen source
- SASapiom55Agentic AISan Francisco, United States$15.8M
Open source
Celo54BlockchainSan Francisco, United States$63.0MOpen source
| Company | Sector | License | HQ | Funding | Score |
|---|---|---|---|---|---|
| Tapaya | Fintech | Open source | Prague, Czech Republic | $1.1M | 48 |
| Shift4 Europe | Fintech | Open source | Allentown, United States | $160.0M | 61 |
| Shopify | E-commerce Platform | Open source | Ottawa, Canada | $122.3M | 55 |
| Plaid | Fintech | Open source | San Francisco, United States | $734.3M | 74 |
| Razorpay | Fintech | Open source | Bengaluru, India | — | 73 |
| Rapyd | Payments | Open source | London, United Kingdom | $1.3B | 73 |
| Iyzico | Fintech | Open source | Istanbul, Turkey | $30.6M | 58 |
| 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 |
| Lava Payments | Fintech | Open source | London, United Kingdom | $7.8M | 29 |
| Traditional Payment Gateways (Stripe, PayPal) | Fintech | Open source | San Francisco, United States | — | 23 |
| Aemetis | Climate Tech | Open source · Self-hostable | Cupertino, United States | — | 15 |
| LOLobster.cash | Fintech | Open source | — | — | 9 |
| Velocitypay | Fintech | Open source | — | — | — |
| arnipay | Fintech | Open source | Asunción, Paraguay | — | — |
| 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 |
| Afterpay | Fintech | Open source | Melbourne, Australia | $1.0B | 61 |
| RevenueCat | Fintech | Open source | San Francisco, United States | $50.0M | 57 |
| Paid | Agentic AI | Open source | San Francisco, United States | $21.0M | 57 |
| BitPay | Fintech | Open source | Atlanta, United States | — | 56 |
| Tweed | Fintech | Open source | New York, United States | $4.0M | 54 |
| Breez | Crypto | Open source | Tel Aviv, Israel | $5.0M | 52 |
| Kima | Blockchain | Open source | Tel Aviv, Israel | $6.7M | 50 |
| Prava | Fintech | Open source | San Francisco, United States | $1.5M | 46 |
| Ecton Labs | Fintech | Open source | New York, United States | — | 40 |
| Credbull | Fintech | Open source | Tel Aviv, Israel | $1.5M | 40 |
| Natural | Agentic Payments | Open source | San Francisco, United States | $12.0M | 39 |
| Gigaroo | Fintech | Open source | — | $2.5M | 37 |
| KNAV | Financial Services | Open source | Atlanta, USA | $1.0M | 34 |
| finitiOne | Loyalty Programs | Open source | — | — | 27 |
| Tryledger | Fintech | Open source | — | — | 21 |
| Mercury Technologies, . | Fintech | Open source | San Francisco, United States | — | 19 |
| 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 | — | — | |
| Fincharter | Fintech | Open source | — | — | — |
| Forter | Fintech | Open source | New York, United States | $550.0M | 85 |
| eToro | Fintech | Open source | Limassol, Cyprus | $524.0M | 85 |
| 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 |
| Clair | Fintech | Open source | New York, United States | $67.7M | 63 |
| Alloy | Fintech | Open source | San Francisco, United States | $207.0M | 62 |
| Solana | Blockchain | Open source | San Francisco, United States | $195.5M | 61 |
| Mollie | Fintech | Open source | Amsterdam, Netherlands | $870.0M | 60 |
| Finch | Fintech | Open source | San Francisco, United States | — | 59 |
| April | Fintech | Open source | New York, United States | $78.0M | 57 |
| Catena Labs | Agentic AI | Open source | San Francisco, United States | $36.0M | 56 |
| BasisTheory | Fintech | Open source | San Francisco, United States | $17.0M | 55 |
| SASapiom | Agentic AI | Open source | San Francisco, United States | $15.8M | 55 |
| Celo | Blockchain | Open source | San Francisco, United States | $63.0M | 54 |