Open source focus
Open Source Alternatives to PayEm
60 open source Fintech options similar to PayEm, 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.
Credbull10FintechTel Aviv, Israel$1.5MOpen source
Stripe, Inc.73BillingSouth San Francisco, United States$11.4BOpen source
Chargebee69FintechChennai, India$303.0MOpen source
Mercury64FintechSan Francisco, United States$500.0MOpen source
Iyzico58FintechIstanbul, Turkey$30.6MOpen source
Banked53FintechLondon, United Kingdom$2.0MOpen source
Brexia34FintechSan Francisco, United StatesOpen source
Tryledger21FintechOpen source
Traditional Payment Gateways (Stripe, PayPal)2FintechSan Francisco, United StatesOpen source
NvoicedFintechOpen source
Plaid74FintechSan Francisco, United States$734.3MOpen source
Razorpay73FintechBengaluru, IndiaOpen source
Rapyd73PaymentsLondon, United Kingdom$1.3BOpen source
Stripes AI68FintechSouth San Francisco, United States$25.4MOpen source
Afterpay61FintechMelbourne, Australia$1.0BOpen source
Shift4 Europe61FintechAllentown, United States$160.0MOpen source
Paid57Agentic AISan Francisco, United States$21.0MOpen source
RevenueCat57FintechSan Francisco, United States$50.0MOpen source
BitPay56FintechAtlanta, United StatesOpen source
Catena Labs56Agentic AISan Francisco, United States$36.0MOpen source
Volt55FintechLondon, United Kingdom$140.0MOpen source
Shopify55E-commerce PlatformOttawa, Canada$122.3MOpen source
Dinero54FintechStockholm, Sweden$1.2MOpen source
Tweed54FintechNew York, United States$4.0MOpen source
Digits53FintechSan Francisco, United StatesOpen source
PPRO52FintechLondon, United Kingdom$150.0MOpen source
- SUSuperfluid Foundation49FintechZug, Switzerland$28.2M
Open source · Self-hostable
Tapaya48FintechPrague, Czech Republic$1.1MOpen source
Horizon Blockchain Games47FintechToronto, Canada$10.0MOpen source
Prava46FintechSan Francisco, United States$1.5MOpen source
Ecton Labs40FintechNew York, United StatesOpen source
Natural39Agentic PaymentsSan Francisco, United States$12.0MOpen source
Qanta.ai29Fintech$1.0MOpen source
Lava Payments29FintechLondon, United Kingdom$7.8MOpen source
finitiOne27Loyalty ProgramsOpen source
Bluemoney24FintechTel Aviv, IsraelOpen source
Mercury Technologies, .19FintechSan Francisco, United StatesOpen source
Hycos AI15EnterpriseOpen source
Aemetis15Climate TechCupertino, United StatesOpen source · Self-hostable
Feathery10FintechTel Aviv, IsraelOpen source
- LOLobster.cash9Fintech
Open source
- FlasFintechSan Francisco, United States
Open source
ZedareFintechOpen source
FatturapaFintechOpen source
BridgefinanceFintechTel Aviv, IsraelOpen source
- ProcureraaProcurement Software
Open source
VelocitypayFintechOpen source
arnipayFintechAsunción, ParaguayOpen source
Forter85FintechNew York, United States$550.0MOpen source
Alpaca67FintechNew York, United States$202.0MOpen source
Orion Advisor Solutions67FintechOmaha, United States$223.0MOpen source
Paddle67FintechLondon, United Kingdom$318.0MOpen source
Rewire63FintechTel Aviv, Israel$57.0MOpen source
Clair63FintechNew York, United States$67.7MOpen source
Alloy62FintechSan Francisco, United States$207.0MOpen source
Wirex62FintechLondon, United Kingdom$15.0MOpen source
Solana61BlockchainSan Francisco, United States$195.5MOpen source
Mollie60FintechAmsterdam, Netherlands$870.0MOpen source
- ARARCH60Document / Data ManagementNew York, United States$20.0M
Open source
Finch59FintechSan Francisco, United StatesOpen source
| Company | Sector | License | HQ | Funding | Score |
|---|---|---|---|---|---|
| Credbull | Fintech | Open source | Tel Aviv, Israel | $1.5M | 10 |
| Stripe, Inc. | Billing | Open source | South San Francisco, United States | $11.4B | 73 |
| Chargebee | Fintech | Open source | Chennai, India | $303.0M | 69 |
| Mercury | Fintech | Open source | San Francisco, United States | $500.0M | 64 |
| Iyzico | Fintech | Open source | Istanbul, Turkey | $30.6M | 58 |
| Banked | Fintech | Open source | London, United Kingdom | $2.0M | 53 |
| Brexia | Fintech | Open source | San Francisco, United States | — | 34 |
| Tryledger | Fintech | Open source | — | — | 21 |
| Traditional Payment Gateways (Stripe, PayPal) | Fintech | Open source | San Francisco, United States | — | 2 |
| Nvoiced | Fintech | Open source | — | — | — |
| 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 |
| Stripes AI | Fintech | Open source | South San Francisco, United States | $25.4M | 68 |
| Afterpay | Fintech | Open source | Melbourne, Australia | $1.0B | 61 |
| Shift4 Europe | Fintech | Open source | Allentown, United States | $160.0M | 61 |
| 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 |
| Catena Labs | Agentic AI | Open source | San Francisco, United States | $36.0M | 56 |
| Volt | Fintech | Open source | London, United Kingdom | $140.0M | 55 |
| Shopify | E-commerce Platform | Open source | Ottawa, Canada | $122.3M | 55 |
| Dinero | Fintech | Open source | Stockholm, Sweden | $1.2M | 54 |
| Tweed | Fintech | Open source | New York, United States | $4.0M | 54 |
| Digits | Fintech | Open source | San Francisco, United States | — | 53 |
| PPRO | Fintech | Open source | London, United Kingdom | $150.0M | 52 |
| SUSuperfluid Foundation | Fintech | Open source · Self-hostable | Zug, Switzerland | $28.2M | 49 |
| Tapaya | Fintech | Open source | Prague, Czech Republic | $1.1M | 48 |
| Horizon Blockchain Games | Fintech | Open source | Toronto, Canada | $10.0M | 47 |
| Prava | Fintech | Open source | San Francisco, United States | $1.5M | 46 |
| Ecton Labs | Fintech | Open source | New York, United States | — | 40 |
| Natural | Agentic Payments | Open source | San Francisco, United States | $12.0M | 39 |
| Qanta.ai | Fintech | Open source | — | $1.0M | 29 |
| Lava Payments | Fintech | Open source | London, United Kingdom | $7.8M | 29 |
| finitiOne | Loyalty Programs | Open source | — | — | 27 |
| Bluemoney | Fintech | Open source | Tel Aviv, Israel | — | 24 |
| Mercury Technologies, . | Fintech | Open source | San Francisco, United States | — | 19 |
| Hycos AI | Enterprise | Open source | — | — | 15 |
| Aemetis | Climate Tech | Open source · Self-hostable | Cupertino, United States | — | 15 |
| Feathery | Fintech | Open source | Tel Aviv, Israel | — | 10 |
| LOLobster.cash | Fintech | Open source | — | — | 9 |
| Fintech | Open source | San Francisco, United States | — | — | |
| Zedare | Fintech | Open source | — | — | — |
| Fatturapa | Fintech | Open source | — | — | — |
| Bridgefinance | Fintech | Open source | Tel Aviv, Israel | — | — |
| Procurement Software | Open source | — | — | — | |
| Velocitypay | Fintech | Open source | — | — | — |
| arnipay | Fintech | Open source | Asunción, Paraguay | — | — |
| Forter | Fintech | Open source | New York, United States | $550.0M | 85 |
| Alpaca | Fintech | Open source | New York, United States | $202.0M | 67 |
| Orion Advisor Solutions | Fintech | Open source | Omaha, United States | $223.0M | 67 |
| Paddle | Fintech | Open source | London, United Kingdom | $318.0M | 67 |
| Rewire | Fintech | Open source | Tel Aviv, Israel | $57.0M | 63 |
| Clair | Fintech | Open source | New York, United States | $67.7M | 63 |
| Alloy | Fintech | Open source | San Francisco, United States | $207.0M | 62 |
| Wirex | Fintech | Open source | London, United Kingdom | $15.0M | 62 |
| Solana | Blockchain | Open source | San Francisco, United States | $195.5M | 61 |
| Mollie | Fintech | Open source | Amsterdam, Netherlands | $870.0M | 60 |
| ARARCH | Document / Data Management | Open source | New York, United States | $20.0M | 60 |
| Finch | Fintech | Open source | San Francisco, United States | — | 59 |