10 Best Open Source Stripe Alternatives
A curated collection of the 10 best open source and self-hosted alternatives to Stripe in 2026.
Looking for a free, privacy-friendly, or self-hosted replacement for Stripe in 2026? The top open-source alternative is Gumroad — A digital marketplace platform where creators can sell digital products, from courses to software, with built-in payment processing and content delivery..
Other highly rated open-source Stripe alternatives include Polar, Lago and UniBee.
A digital marketplace platform where creators can sell digital products, from courses to software, with built-in payment processing and content delivery.
A digital marketplace platform where creators can sell digital products, from courses to software, with built-in payment processing and content delivery.
Billing platform for AI-era software with global tax handling
Polar is the Merchant of Record for developers building AI-era software, providing payments, subscriptions, and usage-based billing with global tax handled automatically. - Usage-based billing: Meter tokens, API calls, compute, and storage down to the event level - Subscriptions: Recurring plans with trials, upgrades, and proration built in - Seats management: Add, remove, and prorate seats automatically - Credits system: Prepaid balances that drain as usage flows - Global tax compliance: Automatic sales tax collection and remittance across 100+ markets - Real-time cost insights: Track gross margins per customer with live usage and cost data - Automated payouts: Revenue settles to your bank account on your schedule - Fraud protection: Chargeback and refund handling managed by Polar Polar is a fully managed SaaS platform with no self-hosting option. The service handles all infrastructure, compliance, and payment processing requirements. Developers integrate via API or SDK to start billing customers immediately. Pricing starts free for validation, with paid plans scaling from $20/month for early teams to enterprise solutions with custom pricing.
Open-source billing infrastructure for AI and tech businesses
Lago is the billing platform that gives teams full transparency, control, and flexibility to manage and scale any pricing model. Designed for AI-native and tech businesses, Lago provides real-time usage metering, hybrid pricing, and open-source or cloud deployment. - Usage Metering: Real-time metering for flexible pricing models. - Hybrid Pricing: Combine different pricing models (e.g., subscription, usage-based, hybrid). - Billing & Invoicing: Automate billing and invoicing without engineering bottlenecks. - Entitlements: Manage entitlements directly in billing for better control. - Cash Collection: Flexible cash collection for hybrid billing models. - Revenue Analytics: Trusted revenue analytics across every stream. - AI-Powered Billing Intelligence: Leverage AI for smarter billing decisions. - Embedded Billing: White-label billing for platforms and ecosystems. - Enterprise Integrations: Scalable integrations for complex billing needs. - Self-Hosted Deployment: Deploy Lago anywhere for full data control. Lago is open-source and can be self-hosted for full data control and compliance. It supports hybrid deployment models, allowing teams to start with cloud and transition to self-hosted as needed. The platform is built with scalability in mind, handling complex metering and billing for AI, IoT, fintech, and enterprise use cases.
All-in-one subscription billing platform
UniBee is a comprehensive subscription billing and recurring payments platform designed to simplify revenue operations for SaaS businesses. It unifies subscription management, real-time usage metering, and multiple payment gateways into a single solution. - Flexible Billing Models: Support for recurring, usage-based, tiered, and prepaid pricing structures. - Usage Metering: Real-time tracking and billing based on actual usage metrics. - SaaS Entitlements: Manage feature access and permissions for subscribers. - Multi-Gateway Payments: Integrate with popular payment providers like PayPal, Stripe, and more. - Global Compliance: Support for international tax regulations and multi-currency transactions. - Analytics & Reporting: Advanced dashboards for tracking revenue, churn, and customer behavior. - Developer-Friendly: RESTful API and comprehensive documentation for easy integration. - Scalable Infrastructure: Cloud-based solution that grows with your business needs. UniBee is a fully managed SaaS platform with no self-hosting option. It is built for scalability and reliability, handling all infrastructure requirements so businesses can focus on growth.
Open source usage-based billing and metering
OpenMeter is a developer-first platform for building usage-based billing and metering into your products. Whether you need real-time event tracking, flexible pricing models, or seamless integration with payment providers, OpenMeter provides the tools to scale your billing infrastructure efficiently. - Real-time Metering: Track usage at millisecond precision with low-latency enforcement for quotas and limits - Flexible Pricing Models: Support for plans, credits, usage-based pricing, and commitments with a dynamic product catalog - Entitlements & Access Control: Manage customer access and feature flags directly through the platform - Multi-language SDKs: Node.js, Python, Go, and more for easy integration - CRM & Payment Integrations: Connect with Stripe, tax providers, and other business tools - Usage Insights: Identify expansion opportunities and revenue growth signals for sales teams - Self-Service Portal: Empower customers to monitor their usage and manage subscriptions - Scalable Architecture: Built for high-volume event processing with battle-tested streaming techniques OpenMeter is available as both a self-hosted open-source solution and a managed service on Kong's platform. The open-source version can be deployed on Kubernetes or other container orchestration systems. Documentation and quickstart guides are available for self-hosting scenarios. Tech Stack: Go, Kubernetes, Kafka, PostgreSQL Deployment Options: - Self-hosted (Docker, Kubernetes) - Managed service via Kong Konnect - Cloud-native architecture for high availability
Open-source billing & monetization platform
Meteroid is the open-source billing and monetization platform designed for SaaS, infrastructure, and AI companies. It simplifies complex usage-based billing, empowering teams to monetize features quickly, send accurate invoices, and turn usage data into revenue opportunities. - Flexible Billing: Support for subscriptions, metering, and complex pricing models with no engineering overhead. - Usage-Based Billing: Turn raw usage data into billable metrics with precision. - CPQ (Configure, Price, Quote): Empower sales teams to close custom deals without spreadsheets or manual work. - Real-Time Insights & Reporting: Track revenue growth opportunities and streamline financial operations. - Modern API-First Architecture: Integrate seamlessly into your stack with zero friction. - Built with Rust: High-performance, reliable billing infrastructure. - Self-Hosted Option: Full control over data with no vendor lock-in. Meteroid is open-source and can be self-hosted for complete data control. It supports modern deployment workflows and integrates with existing infrastructure via a robust API. The platform is designed for scalability, performance, and ease of integration, making it ideal for teams prioritizing data sovereignty and customization.
Billing infrastructure for AI-native and SaaS teams
Flexprice is a unified monetization platform designed for AI-native and SaaS teams to operate usage-based, credit-based, and hybrid pricing models. It provides real-time metering and reporting that scales seamlessly as your product evolves. - Real-time Metering: Processes events in real time without pipeline downtime affecting billing accuracy. - Flexible Pricing Models: Supports usage-based, credit-based, and hybrid pricing without engineering tickets or blocked releases. - Finance-Friendly Reporting: Delivers usage reports directly to finance teams without manual intervention. - On-Premise Deployment: Offers self-hosted deployment options for data control and compliance. - SOC 2 Type II Compliant: Ensures enterprise-grade security and compliance standards. - Seamless Integrations: Connects with popular tools and platforms for streamlined workflows. - Scalable Infrastructure: Built to handle growth and evolving monetization needs. - Developer-First Approach: Provides SDKs and APIs for easy integration and customization. Flexprice supports both cloud and on-premise deployment options. The open-source version is available on GitHub, allowing teams to self-host and maintain full control over their billing infrastructure. The platform is designed to integrate seamlessly with existing tech stacks and workflows.
Embedded AR/AP automation for fintech platforms
Crater empowers fintech platforms with embedded financial automation, enabling seamless invoicing, payments, and working capital solutions. Built for developers, it provides robust APIs, SDKs, and prebuilt integrations to accelerate financial feature deployment. - AI-Powered Financial Copilot: Instant answers to financial questions, invoice generation, and report creation with AI assistance. - Invoicing & Bill Pay: Intuitive workflows for sending, receiving, and managing invoices with deposit support on estimates. - Payments Infrastructure: Simplified onboarding for ACH and card payments with Plaid integration for bank connectivity. - Working Capital Tools: AR/AP advances and 'Buy Now, Pay Later' solutions to address cashflow challenges. - Accounting Automation: Seamless data sync with QuickBooks, Xero, and other accounting platforms. - General Ledger: Comprehensive financial tracking with centralized transaction management and reporting. - Workflow Automation: Customizable workflows for card issuing and milestone-based invoice payments. - Developer-Friendly SDKs: Prebuilt components for Vue and React, along with robust APIs and webhooks for deep customization. Crater is a SaaS platform with no self-hosting option. It provides: - Easy Integrations: Automatic syncing with third-party tools. - Powerful APIs: High-performance, customizable APIs for fintech applications. - SOC2 Compliance: Certified for security and compliance standards. - Platform Partnerships: Designed to integrate effortlessly into existing fintech ecosystems. For more details, visit the official documentation.
CLI-first banking for agents
Agent Bank is a CLI-first banking solution tailored for AI agents, enabling seamless financial operations through a command-line interface. Built for developers and automation workflows, it provides a lightweight, programmable way to handle transactions, balances, and account management without traditional UI complexities. - CLI-First Design: Operates entirely via command-line for integration with scripts and automation tools - Agent-Optimized: Specifically designed for AI agents and automated workflows - Lightweight & Fast: Minimal overhead with instant response times - Developer-Friendly: Easy integration with existing development environments and CI/CD pipelines - Secure Transactions: Built-in security measures for safe financial operations - Cross-Platform: Works across different operating systems and environments Agent Bank is open-source software that can be self-hosted on any server or cloud environment. The project is available on GitHub and can be deployed using standard containerization or direct installation methods. No proprietary dependencies or AI models are required to run the core functionality.
Billing & payments platform for AI-first companies
Dodo Payments is a modern billing and payments platform tailored for AI-first companies. It simplifies monetization by providing credit-based billing, usage metering, subscriptions, and global payment processing, allowing businesses to focus on growth rather than infrastructure. - Credit-based billing: Flexible billing models for AI services and products. - Usage metering: Track and bill based on actual usage. - Subscriptions: Manage recurring revenue streams effortlessly. - Global payments: Support for adaptive currency and local payment methods. - Merchant of record: Handle compliance and payments on your behalf. - Fraud protection: Built-in security to safeguard transactions. - No-code checkout: Easy integration with minimal coding required. - Reporting & analytics: Gain insights into billing and payment performance. - AI-powered tools: Sentra AI Agent for prompt-based integrations and MCP servers for enhanced functionality. Dodo Payments is a cloud-based SaaS platform with no self-hosting option. It provides SDKs and APIs for seamless integration into existing workflows and applications. The platform is designed to be developer-friendly with comprehensive documentation and support for multiple frameworks.
About Stripe
Stripe is a financial infrastructure platform that powers online and in-person payments for businesses of all sizes. From startups to global enterprises, Stripe provides the tools to accept payments, manage subscriptions, optimize revenue, and move money across borders.
Key Features of Stripe
- Global Payments: Accept payments in 135+ currencies and multiple payment methods (cards, digital wallets, bank transfers, etc.).
- Subscription Management: Handle recurring billing, usage-based pricing, and subscription lifecycle management.
- Financial Services: Issue cards, enable stablecoin/crypto payments, and provide embedded financial tools.
- Fraud Prevention: Built-in fraud detection and prevention with Stripe Radar.
- Developer Tools: Robust APIs, SDKs, and documentation for seamless integration.
- Platform Solutions: Enable payments and financial services for platforms and marketplaces via Stripe Connect.
- Analytics & Reporting: Real-time dashboards, revenue insights, and custom reporting.
- Enterprise Scalability: Enterprise-grade infrastructure with 99.999% historical uptime and support for high-volume transactions.
Tech / Self-Hosting
Stripe is a fully managed cloud service with no self-hosting options. It operates as a SaaS platform with APIs for integration into applications. Stripe handles infrastructure, security, and compliance (including PCI DSS), allowing businesses to focus on core operations without managing payment infrastructure.