Open Source Alternatives to Shopify Capital
60 open source Fintech options similar to Shopify Capital, 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
ROX Financial41FintechNew York, United StatesROX Financial provides a platform for small businesses to manage and grow their revenue through flexible financing options.
Open source
Tryledger23FintechAI-driven ledger management solutions for financial technology operations.
Open source
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
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
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
Ecton Labs40FintechNew York, United StatesReimagining patient financial engagement in healthcare through technology.
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
Hycos AI15EnterpriseAI-powered profit floor solution for Shopify Plus merchants using NetSuite, preventing orders from shipping below margin.
Open source
Bridgefinance8FintechAI-powered platform for automating and optimizing financial workflows for businesses.
Open source
Quantlend6FintechQuantlend offers innovative AI lending solutions in alternative lending and quantitative finance.
Open source
Velocitypay4FintechVelocitypay offers a payment processing platform for businesses, focusing on seamless integration and efficient transactions.
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
Mercury64FintechSan Francisco, United States$500.0MBusiness banking.
Open source
Alpaca63FintechNew York, United States$202.0MDeveloper-first API infrastructure for stock, options, and cryptocurrency trading.
Open source
Clair63FintechNew York, United States$67.7MEmbedded earned wage access for employees, integrated with HR platforms.
Open source
Credible62FintechSan Francisco, United StatesFinancial marketplace for comparing and obtaining loans and other financial products.
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
Aave61FintechLondon, United Kingdom$29.5MA decentralized protocol for lending and borrowing cryptocurrencies.
Open source
Finch59FintechSan Francisco, United StatesAPI for HR, payroll, and benefits administration.
Open source
Paid57Agentic AISan Francisco, United States$21.0MAll-in-one revenue engine for AI agents, handling pricing, subscriptions, billing, and renewals.
Open source
April57FintechNew York, United States$78.0MApril provides embedded tax solutions for modern financial platforms, offering tax filing and planning capabilities.
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
Archimedes53Fintech$7.3MOpen-source lending protocol for superior capital efficiency in Decentralized Finance (DeFi).
Open source · Self-hostable
Banked53FintechLondon, United Kingdom$2.0MA payment infrastructure company enabling account-to-account payments.
Open source
CrowdProperty53FintechSolihull, United Kingdom$15.0MProperty development finance platform connecting investors with borrowers for real estate projects.
Open source
Feathery52FintechTel Aviv, Israel$30.0MClient onboarding and digital account opening platform.
Open source
Unchained Tech52FintechAustin, United StatesSelf-custody Bitcoin security and financial services for institutions.
Open source
RevenueCat51FintechSan Francisco, United States$50.0MSubscription infrastructure for mobile apps, simplifying in-app purchases and subscriptions.
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
Gringo48FintechSão Paulo, BrazilApp for managing car documentation, taxes, fines, and insurance in Brazil.
Open source
CyberGuard AI48CybersecurityDurham, United Kingdom$1.0BAtom is a mobile-first digital bank offering personal and business banking services in the UK.
Open source
Horizon Blockchain Games47FintechToronto, Canada$10.0MBuilding the infrastructure for the onchain internet with smart wallets and cross-chain payments.
Open source
Choco Insurance47FintechTel Aviv, IsraelInsurtech platform simplifying insurance for small businesses and freelancers.
Open source
Tapaya46FintechPrague, Czech Republic$1.1MPayments infrastructure for banks, fintechs, and software platforms.
Open source
Euler44FintechLondon, United Kingdom$44.3MA permissionless, non-custodial lending protocol for decentralized finance, enabling risk-adjusted yield generation.
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
Natural39Agentic PaymentsSan Francisco, United States$12.0MAgentic payments platform powering frictionless money movement between AI agents, businesses, and consumers.
Open source
Qanta.ai38Fintech$1.0MAI-powered agent for mortgage lenders automating customer engagement and profile creation.
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
KNAV35Financial ServicesAtlanta, USA$1.0MAI-powered platform for financial services.
Open source
Fluid22DeFiDecentralized exchange protocol and liquidity layer for DeFi, enhancing capital efficiency.
Open source
Credible Labs21Fintechירושלים, IsraelCredible is the best way to save money on personal loans, student loans, and your mortgage.
Open source
Kayko20FintechKigali, RwandaA micro-ERP platform digitizing the operations of Rwanda's informal merchants to unlock formal lending through data-driven credit scoring.
Open source
Mercury Technologies, .19FintechSan Francisco, United StatesBusiness banking and financial tools for startups and growing companies.
Open source
DeFi Saver15DeFiBelgrade, SerbiaAn advanced DeFi management platform for collateralized debt positions and yield optimization.
Open source
Fincharter11FintechInnovative fintech solutions platform launching soon. Subscribe for updates.
Open source
- Flas10Fintech
A platform for company registration, Mercury bank account opening, and Stripe payment integration.
Open source
- LOLobster.cash9Fintech
Secure payment solution for AI agents using virtual credit cards and stablecoins.
Open source
Zaori7Creator EconomyA digital finance platform using AI and blockchain for tokenized issuances and private market regulation.
Open source