Open-source alternatives to commercial core banking and payment orchestration platforms, deployed in your own infrastructure.
Mambu is a cloud-native SaaS core banking platform for lending, deposits and payments. Buyers look at open-source alternatives such as Apache Fineract when they want to host the core themselves, control upgrade timing and avoid a vendor-run SaaS dependency.
Temenos Transact, formerly T24 and now marketed as Temenos Core, is a licensed core banking system deployed on premise, in the cloud or as Temenos SaaS. Buyers look at open-source alternatives such as Apache Fineract to cut licence costs and own the code for smaller or specialized lending operations.
Thought Machine Vault Core is a cloud-native core banking platform that models financial products as Python smart contracts on a single ledger, licensed to banks and run as SaaS or bank-hosted. Buyers consider Apache Fineract when they want an open-source core they can run and modify without a vendor licence.
Spreedly is a hosted payments orchestration platform and PCI DSS Level 1 card vault that connects merchants to many payment gateways. Buyers look at open-source alternatives such as Hyperswitch to self-host routing and vaulting and avoid per-month platform fees.
Primer is a hosted unified payments infrastructure with a centralized PCI DSS Level 1 vault, no-code workflows, checkout and processor fallbacks. Buyers look at open-source alternatives such as Hyperswitch to self-host orchestration and keep card tokens under their own control.
Chargebee is a SaaS subscription billing and revenue platform that stores card tokens in the payment gateways it connects. Pages here cover replacing it with self-hosted Lago or Kill Bill.
Zuora is an enterprise subscription and usage billing platform, taken private by Silver Lake and GIC in 2025. Pages here cover replacing Zuora Billing with self-hosted Kill Bill or Lago.
Stripe Billing is Stripe's subscription and usage billing product, priced as a share of billing volume. Pages here cover moving the billing logic to self-hosted Lago or Kill Bill while keeping a payment processor.
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