The payment infrastructure
you actually own
OpenPay is the open-source payments platform that lets you own your payment infrastructure, including payments, subscriptions, and fraud detection on your own servers, while staying free to choose or switch your payment processor.
No account needed. Authentication is optional and only required if you enable it.
Zero platform fees. You still pay your payment processor (Stripe, Adyen, Paystack, etc.) and the cost of running your own infrastructure.
$ git clone https://github.com/OpenPay-App/openpay
$ cd openpay
$ make up
✓ Platform running at http://localhost:3000A complete financial stack, under your control
Payments, subscriptions, fraud detection, invoicing, analytics, and more. Open source, self-hosted, and portable across the processors you already use.
Payment Processing
Stripe charges 2.9% + 30¢Accept card payments, bank transfers, and local payment methods worldwide. Connect to Stripe, Adyen, or any major processor with no routing fees and no markup.
Subscription Billing
Stripe charges 0.5% recurringRecurring payments, plan management, invoicing, and dunning, powered by Kill Bill. Handle upgrades, downgrades, trials, and usage-based billing.
Fraud Detection
Stripe charges $0.05/txnReal-time rule evaluation, risk scoring, and case management. Build custom fraud rules with Tazama. No per-transaction fees.
Invoicing & Tax
Stripe charges $0.4/invoiceGenerate invoices, manage line items, calculate tax, and send reminders. Full invoice lifecycle without per-invoice charges.
Multi-Currency & Global
Stripe charges 1% conversionAccept payments in 135+ currencies and payment methods. No currency conversion markup, just the real exchange rate from your processor.
Event-Driven Architecture
Included freeEvery payment event flows through NATS JetStream. Build reactive webhooks, automate workflows, and integrate with your existing systems.
Analytics & Reporting
Stripe charges for SigmaRevenue metrics, customer analytics, payment success rates, and failure analysis. Real-time dashboards without enterprise-tier pricing.
API Keys & Webhooks
Included freeSandbox and production API keys, webhook endpoints, and a full REST API. Rate limits that scale with your business, not your plan.
The honest cost picture. OpenPay charges no platform fees, no per-transaction fees, and no hidden charges. You will still pay your payment processor (Stripe, Adyen, Paystack, or whichever you choose) its processing fees, plus the infrastructure and operational costs of running OpenPay on your own servers. In return you keep full control, data ownership, and the freedom to switch processors whenever you want.
Own the stack. Skip the platform fees.
OpenPay gives you payments, billing, fraud detection, and invoicing, self-hosted on infrastructure you control, with no platform fees. You pay your processor's fees and your own infrastructure; nothing more, and no lock-in.
OpenPay platform fees
No platform, per-transaction, or subscription charges. You still pay your processor's fees and your own infrastructure costs.
Stripe processing fees
Plus 30¢ per transaction, plus Radar, Billing, Tax, and other add-on fees that stack up quickly.
Your data, your servers
Full self-hosting with Docker. No vendor lock-in, no data leaving your infrastructure. MIT licensed.
Platform / routing fees
Multi-currency conversion
Dispute / chargeback fee
Recurring billing
Invoice generation
Subscription management
Fraud detection rules
Fraud prevention
Case management
API access
Webhooks
Sandbox / testing
SDKs
Data storage
Vendor lock-in
Source code access
Self-hosting
OpenPay charges no platform fees. The comparisons above reflect OpenPay's platform fees versus Stripe's standard published pricing for the same features. You will still pay your payment processor (Stripe, Adyen, Paystack, etc.) its processing fees, plus the infrastructure and operational costs of running OpenPay on your own servers. OpenPay is not affiliated with Stripe.
Run it yourself in 5 minutes
No signup, no credit card, no waiting. Just clone and go.
Clone the repo
Get the complete platform source code
git clone https://github.com/OpenPay-App/openpayConfigure environment
Set up your database, API keys, and preferences
cp .env.example .env && nano .envStart the platform
Launch all services with a single command
make upWhy self-host?
Self-hosting means you take on your own infrastructure and operational costs, including servers, monitoring, and maintenance. OpenPay itself charges no platform fee; your only payment-related cost is your processor's fee.
Built on a foundation of open source
Every component in the OpenPay stack is open source. No black boxes, no proprietary logic, just transparent, auditable code that the community can trust and improve.
The open-source tools powering OpenPay
Hyperswitch
Core payment router and orchestrator
RustKill Bill
Subscription billing and invoicing engine
JavaTazama
Real-time fraud detection and rule evaluation
GoNATS JetStream
Event streaming and message broker
GoSuperposition
Configuration management and feature flags
RustOpenPay Dashboard
Merchant dashboard and admin interface
TypeScript