Open source focus
Open Source Alternatives to PayOS
60 open source Agentic Payments options similar to PayOS, 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.
- LOLobster.cash9Fintech
Open source
Paid57Agentic AISan Francisco, United States$21.0MOpen source
Prava46FintechSan Francisco, United States$1.5MOpen source
Natural39Agentic PaymentsSan Francisco, United States$12.0MOpen source
Faremeter22FintechOpen source · Self-hostable
PayAI15FintechOpen source
- SASapiom55Agentic AISan Francisco, United States$15.8M
Open source
Forgemesh6API PlatformSan Francisco, United StatesOpen source
4micaAgentic AISan Francisco, United StatesOpen source
- Agentx402Agentic AISan Francisco, United States
Open source
Plaid74FintechSan Francisco, United States$734.3MOpen source
Razorpay73FintechBengaluru, IndiaOpen source
Rapyd73PaymentsLondon, United Kingdom$1.3BOpen source
Catena Labs56Agentic AISan Francisco, United States$36.0MOpen source
Banked53FintechLondon, United Kingdom$2.0MOpen source
PPRO52FintechLondon, United Kingdom$150.0MOpen source
Nevermined50Agentic AISan Francisco, United StatesOpen source
Horizon Blockchain Games47FintechToronto, Canada$10.0MOpen source
Lava Payments29FintechLondon, United Kingdom$7.8MOpen source
Traditional Payment Gateways (Stripe, PayPal)23FintechSan Francisco, United StatesOpen source
Clawpump19BlockchainOpen source
- 0X0xWork10Web3
Open source
A2A7Agentic AIOpen source · Self-hostable
FleetsurfAgentic AIOpen source
FincharterFintechOpen source
KurojiAgentic AISan Francisco, United StatesOpen source
NemoClaw75Artificial IntelligenceOpen source · Self-hostable
Stripe, Inc.72BillingSouth San Francisco, United States$11.4BOpen source
Stripes AI68FintechSouth San Francisco, United States$25.4MOpen source
Shift4 Europe61FintechAllentown, United States$160.0MOpen source
Steel.dev58Developer ToolsTel Aviv, Israel$17.0MOpen source · Self-hostable
Iyzico58FintechIstanbul, Turkey$30.6MOpen source
Agency58Agentic AISan Francisco, United States$20.0MOpen source
AgentMail58Agentic AISan Francisco, United States$7.5MOpen source
RevenueCat57FintechSan Francisco, United States$50.0MOpen source
xpander.ai57Artificial IntelligenceTel Aviv, Israel$3.0MOpen source
Auto-GPT56Agentic AI$12.0MOpen source · Self-hostable
Artificial Societies55Agentic AISan Francisco, United States$4.8MOpen source
Volt55FintechLondon, United Kingdom$140.0MOpen source
Shopify55E-commerce PlatformOttawa, Canada$122.3MOpen source
Olas54Agentic AIUnited Kingdom$13.8MOpen source
Tweed54FintechNew York, United States$4.0MOpen source
Fetch.ai54Agentic AICambridge, United Kingdom$40.0MOpen source
giniX54Generative AITel Aviv, IsraelOpen source
Kima50BlockchainTel Aviv, Israel$6.7MOpen source
- SUSuperfluid Foundation49FintechZug, Switzerland$28.2M
Open source · Self-hostable
Mechanize49Agentic AISan Francisco, United StatesOpen source
Protocol47Agentic AISan Francisco, United States$3.2MOpen source · Self-hostable
Tapaya46FintechPrague, Czech Republic$1.1MOpen source
Ecton Labs40FintechNew York, United StatesOpen source
KNAV34Financial ServicesAtlanta, USA$1.0MOpen source
Superagent34Agentic AISan Francisco, United StatesOpen source · Self-hostable
xpay28FintechBengaluru, IndiaOpen source
All-Hands AI25Agentic AIOpen source · Self-hostable
Tryledger21FintechOpen source
- BABabyAGI18Agentic AI
Open source · Self-hostable
OpenClaw18Agentic AISan Francisco, United StatesOpen source · Self-hostable
Hycos AI15EnterpriseOpen source
Codel15Agentic AIOpen source · Self-hostable
Aemetis15Climate TechCupertino, United StatesOpen source · Self-hostable
| Company | Sector | License | HQ | Funding | Score |
|---|---|---|---|---|---|
| LOLobster.cash | Fintech | Open source | — | — | 9 |
| Paid | Agentic AI | Open source | San Francisco, United States | $21.0M | 57 |
| Prava | Fintech | Open source | San Francisco, United States | $1.5M | 46 |
| Natural | Agentic Payments | Open source | San Francisco, United States | $12.0M | 39 |
| Faremeter | Fintech | Open source · Self-hostable | — | — | 22 |
| PayAI | Fintech | Open source | — | — | 15 |
| SASapiom | Agentic AI | Open source | San Francisco, United States | $15.8M | 55 |
| Forgemesh | API Platform | Open source | San Francisco, United States | — | 6 |
| 4mica | Agentic AI | Open source | San Francisco, United States | — | — |
| Agentic AI | Open source | San Francisco, United States | — | — | |
| 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 |
| Catena Labs | Agentic AI | Open source | San Francisco, United States | $36.0M | 56 |
| Banked | Fintech | Open source | London, United Kingdom | $2.0M | 53 |
| PPRO | Fintech | Open source | London, United Kingdom | $150.0M | 52 |
| Nevermined | Agentic AI | Open source | San Francisco, United States | — | 50 |
| 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 |
| Clawpump | Blockchain | Open source | — | — | 19 |
| 0X0xWork | Web3 | Open source | — | — | 10 |
| A2A | Agentic AI | Open source · Self-hostable | — | — | 7 |
| Fleetsurf | Agentic AI | Open source | — | — | — |
| Fincharter | Fintech | Open source | — | — | — |
| Kuroji | Agentic AI | Open source | San Francisco, United States | — | — |
| NemoClaw | Artificial Intelligence | Open source · Self-hostable | — | — | 75 |
| Stripe, Inc. | Billing | Open source | South San Francisco, United States | $11.4B | 72 |
| Stripes AI | Fintech | Open source | South San Francisco, United States | $25.4M | 68 |
| Shift4 Europe | Fintech | Open source | Allentown, United States | $160.0M | 61 |
| Steel.dev | Developer Tools | Open source · Self-hostable | Tel Aviv, Israel | $17.0M | 58 |
| Iyzico | Fintech | Open source | Istanbul, Turkey | $30.6M | 58 |
| Agency | Agentic AI | Open source | San Francisco, United States | $20.0M | 58 |
| AgentMail | Agentic AI | Open source | San Francisco, United States | $7.5M | 58 |
| RevenueCat | Fintech | Open source | San Francisco, United States | $50.0M | 57 |
| xpander.ai | Artificial Intelligence | Open source | Tel Aviv, Israel | $3.0M | 57 |
| Auto-GPT | Agentic AI | Open source · Self-hostable | — | $12.0M | 56 |
| Artificial Societies | Agentic AI | Open source | San Francisco, United States | $4.8M | 55 |
| Volt | Fintech | Open source | London, United Kingdom | $140.0M | 55 |
| Shopify | E-commerce Platform | Open source | Ottawa, Canada | $122.3M | 55 |
| Olas | Agentic AI | Open source | United Kingdom | $13.8M | 54 |
| Tweed | Fintech | Open source | New York, United States | $4.0M | 54 |
| Fetch.ai | Agentic AI | Open source | Cambridge, United Kingdom | $40.0M | 54 |
| giniX | Generative AI | Open source | Tel Aviv, Israel | — | 54 |
| Kima | Blockchain | Open source | Tel Aviv, Israel | $6.7M | 50 |
| SUSuperfluid Foundation | Fintech | Open source · Self-hostable | Zug, Switzerland | $28.2M | 49 |
| Mechanize | Agentic AI | Open source | San Francisco, United States | — | 49 |
| Protocol | Agentic AI | Open source · Self-hostable | San Francisco, United States | $3.2M | 47 |
| Tapaya | Fintech | Open source | Prague, Czech Republic | $1.1M | 46 |
| Ecton Labs | Fintech | Open source | New York, United States | — | 40 |
| KNAV | Financial Services | Open source | Atlanta, USA | $1.0M | 34 |
| Superagent | Agentic AI | Open source · Self-hostable | San Francisco, United States | — | 34 |
| xpay | Fintech | Open source | Bengaluru, India | — | 28 |
| All-Hands AI | Agentic AI | Open source · Self-hostable | — | — | 25 |
| Tryledger | Fintech | Open source | — | — | 21 |
| BABabyAGI | Agentic AI | Open source · Self-hostable | — | — | 18 |
| OpenClaw | Agentic AI | Open source · Self-hostable | San Francisco, United States | — | 18 |
| Hycos AI | Enterprise | Open source | — | — | 15 |
| Codel | Agentic AI | Open source · Self-hostable | — | — | 15 |
| Aemetis | Climate Tech | Open source · Self-hostable | Cupertino, United States | — | 15 |