Best Self Hosted Alternatives to Stripe

Hyperswitch is a composable, open-source payments orchestration platform (payments switch) designed to help businesses connect to multiple PSPs/acquirers through a single API. Built for performance and reliability, it provides modular components to optimize authorization rates, costs, and operational workflows while keeping control of the payments stack.

Key Features

• Unified payments API to integrate and manage multiple payment processors/connectors
• Intelligent routing to choose the best processor per transaction based on rules and performance signals
• Revenue recovery with configurable retry strategies to reduce failed payments and passive churn
• Vault module to securely store and reuse payment methods (cards, tokens, wallets, bank credentials)
• Reconciliation engine for 2-way/3-way reconciliation with scheduling and customizable outputs
• Cost observability dashboards to audit fees and detect anomalies across processors

Use Cases

• Build a multi-PSP payments setup with routing and fallbacks to improve uptime and authorization rates
• Add a vault and tokenization layer to standardize storage and reuse of payment methods across PSPs
• Automate finance operations with reconciliation workflows and cost monitoring across payment rails

Limitations and Considerations

• Advanced modules and large connector ecosystems may require careful configuration and operational ownership to run effectively at scale

Hyperswitch is a strong fit for teams that want a flexible, modular alternative to single-provider payment stacks. It can be deployed to match different environments and extended by enabling only the modules needed for a given payments strategy.

Lago is an open-source billing infrastructure platform focused on event-based usage metering and hybrid pricing (subscriptions plus consumption). It provides an API-first approach with a visual interface to help teams model pricing, track usage, and generate invoices.

Key Features

• Event-based usage metering and ingestion for consumption tracking
• Support for subscription, usage-based, and hybrid pricing models
• Plan and pricing configuration, including pricing iterations
• Invoicing with automatic charge calculation based on configured plans
• Coupons, add-ons (one-time charges), and prepaid credits
• Billing data visibility and revenue analytics to support finance and operations workflows

Use Cases

• Building product-led SaaS billing with usage-based components
• Centralizing billing logic while integrating with existing payment and business systems
• Processing high-volume billing events to generate accurate invoices

Lago is well-suited for organizations that want a programmable billing system with transparent billing logic and extensible integrations, while keeping billing data under their control.

Kill Bill is an open-source, programmable platform for building custom billing workflows. It is modular and self-hosted, designed to handle complex subscription models with high scalability.

Key Features

• Open-source, modular architecture with a plugin framework to extend behavior
• Real-time analytics and financial reporting out of the box
• Kaui admin user interface for managing subscriptions and payments
• Headless, API-driven backend with plugins enabling integrations to payment gateways
• On-premises or cloud deployment, giving you ownership of your billing data

Use Cases

• SaaS-style subscription management with complex pricing (recurring, usage-based)
• Custom plugin-driven integrations with ERP, tax, CRM and other third-party systems
• Private data-center or cloud deployments with multi-tenant capabilities

Limitations and Considerations

CONCLUSION Kill Bill is a mature, open-source billing platform designed to be customized and hosted by you, with strong support for subscriptions, payments, and extensive plugin extensibility. It emphasizes data ownership, flexibility, and self-hosted deployment options to suit enterprise needs.

FOSSBilling is a free, open-source billing and client management system designed to help hosting providers and other online service businesses automate invoicing, payments, and customer communication. It provides a web-based interface for managing clients, subscriptions, and common business workflows.

Key Features

• Billing and invoicing with automated invoice generation, reminders, and basic reporting
• Client management for storing customer details and managing communication history
• Multiple payment gateway integrations for collecting online payments
• Extension-friendly architecture for adding integrations and custom functionality
• Responsive web UI for desktop and mobile use
• Multi-language interface powered by community translations

Use Cases

• Hosting providers managing recurring billing, invoices, and customer accounts
• SaaS and subscription services handling subscriptions and payment collection
• Digital services selling licenses, downloads, or recurring maintenance plans

Limitations and Considerations

• The project is under active development and described as beta, so some rough edges and limited support may be expected

FOSSBilling is a community-driven alternative to proprietary hosting automation suites, emphasizing transparency, extensibility, and control over your own data. It is well-suited for organizations that want a self-managed billing stack with room for customization.