10 Mejores Herramientas de Procesamiento de Pagos de Código Abierto para 2026

Payum is a PHP payment processing library designed for developers integrating various payment gateways into their applications. It's primarily used by teams building custom ecommerce or billing solutions that require flexibility and control over payment workflows. The library supports a wide range of payment services and provides tools for handling transactions, subscriptions, and notifications.

Why I picked Payum: It’s built for developers who need to integrate multiple payment gateways without being tied to a specific provider. Payum offers a unified API that allows you to work with different payment services like PayPal, Stripe, and Authorize.Net using consistent code patterns. You can manage recurring payments, handle instant payment notifications, and process refunds through its extensible architecture. The library also provides secure token-based workflows to manage payment sessions and callbacks. Its modular design lets your team customize and extend functionality as needed.

Standout features & integrations:

Features include support for both on-site and off-site payment processing, giving your team flexibility in handling transactions. It provides tools for managing payment statuses, so you can accurately track the state of each transaction. Payum also includes storage extensions compatible with various PHP frameworks, helping you integrate payment data management into your existing systems.

Integrations include PayPal, Stripe, Authorize.Net, Klarna, Be2Bill, Payex, Sofort, Omnipay, Braintree, and Mollie.

Polar is an open-source payment processing software designed for modern SaaS and digital product sales. It caters to businesses needing flexible billing solutions and effective customer management. 

Why I picked Polar: It excels with its usage-based billing through a robust API, automating access to various features. The platform handles tax compliance, acting as a global merchant of record, which is crucial for international sales. Its integration with frameworks like Next.js ensures secure checkouts and customer portals. The developer-friendly experience and responsive support further enhance its appeal for tech-savvy businesses.

Standout features & integrations:

Features include flexible pricing models for digital and subscription products, automatic customer creation, and a benefits engine for automating access to features. These features simplify the billing process and enhance customer management for your team.

Integrations include Raycast, Framer, Zapier, Stripe Connect, LemonSqueezy, and Next.js.

BTCPay Server is an open-source cryptocurrency payment processor designed for ecommerce businesses and individuals wanting to accept Bitcoin payments directly. It performs key business functions like invoicing, point-of-sale, and crowdfunding while offering secure and fee-free transactions. 

Why I picked BTCPay Server: It provides a self-hosted solution that ensures privacy and censorship resistance, which is vital for secure transactions. The platform includes built-in apps for diverse payment needs and supports native wallet management. Its API automation makes it easy for you to customize payment processes. Plus, you can choose to self-host or use a shared server, catering to both tech-savvy and non-technical users.

Standout features & integrations:

Features include point-of-sale systems for seamless transaction handling, crowdfunding tools for raising funds directly in Bitcoin, and native wallet management for secure payment storage. These features ensure you can manage your Bitcoin payments effectively and securely.

Integrations include WooCommerce, Shopify, Magento, PrestaShop, Drupal, Odoo, WordPress, Joomla, OpenCart, and WHMCS.

UniBee is an API-first platform built for developers who need to send, receive, and manage payments without a lot of overhead. It’s used by teams looking for a lightweight way to plug payments into apps and services. The tool focuses on keeping integration simple while offering flexibility in how payments are handled.

Why I picked UniBee: It’s made for developers who want clean, easy-to-use APIs without getting locked into a complex system. UniBee supports multiple payment types and lets you handle everything—from invoice creation to status tracking—via direct API calls. There’s no bloated dashboard or rigid workflows, so your team can build exactly what you need. You can also run local tests and simulate webhooks, which speeds up development and debugging.

Standout features & integrations:

Features include real-time webhook simulation so you can test payment flows without live traffic. There’s CLI support for managing payments from your terminal. You also get detailed API logs to help troubleshoot issues as they come up.

Integrations include Stripe, PayPal, Razorpay, Coinbase Commerce, Wise, Slack, Discord, Notion, GitHub, and Zapier.

Taler is an open-source payment system designed for online transactions that prioritizes privacy and data protection. It is suitable for businesses and communities looking to manage their payment infrastructure without the need for user registration. 

Why I picked Taler: It differentiates itself by eliminating fraud through its design, which makes transactions secure and private. The system does not introduce a new currency, ensuring compatibility with existing financial systems. Its free software nature empowers communities to run their payment systems independently. The focus on privacy and security aligns with its USP, making it a unique choice for privacy-conscious users.

Standout features & integrations:

Features include payments without registration, which simplifies user interaction and enhances privacy. It also offers data protection by default, ensuring your transactions are secure. The design eliminates fraud, providing peace of mind for your transactions.

Integrations include the ability to integrate with various existing financial systems and infrastructures, allowing for a seamless transition and operation.

Lago is a billing platform built for teams that need to track and charge for usage across complex pricing models. It’s used by companies that want to combine subscriptions, pay-as-you-go, and prepaid credits without building everything from scratch. The product handles metering, pricing, invoicing, and payments through APIs or a self-hosted setup.

Why I picked Lago: It’s made for teams that need to track and charge for usage across complex pricing models. You can meter events in real time, define custom pricing tiers, and automate invoices with taxes and credits applied. Lago supports hybrid models, like combining a base subscription with usage-based overages or prepaid bundles. It also offers both cloud and open-source self-hosted options, so your team can choose how much control they want over your billing infrastructure.

Standout features & integrations:

Features include instant add-ons that let you charge one-time fees without waiting for the next billing cycle. You can create and manage coupons to offer discounts or promotions. Lago also supports credit notes and refunds, helping your team handle adjustments and returns without extra tools.

Integrations include Stripe, GoCardless, Adyen, Salesforce, HubSpot, NetSuite, Xero, Anrok, Zapier, and AWS Marketplace.

Hyperswitch is an open-source payment platform designed for businesses wanting control over their payment systems. It serves businesses of all sizes, offering features like intelligent routing and secure payment data storage. 

Why I picked Hyperswitch: It stands out with its intelligent routing, which improves authorization rates, and a unified reconciliation engine that simplifies financial management. The platform includes revenue recovery to reduce customer churn, making it ideal for businesses focusing on customer retention. Its cost observability feature helps you track payment expenses effortlessly, aligning with its USP of intelligent payment routing.

Standout features & integrations:

Features include intelligent routing for better authorization, a unified reconciliation engine to streamline financial processes, and secure vaulting for payment data. These features help your team manage payments efficiently and reduce operational hassles.

Integrations include Stripe, PayPal, Braintree, Adyen, Worldpay, Klarna, Amazon Pay, Square, Apple Pay, and Google Pay.

Kill Bill is a billing and payment platform built to support teams handling recurring revenue and usage-based pricing. It’s used mostly by companies that need more control over how they manage complex subscriptions and billing cycles. The product covers everything from invoicing and payments to account management and reporting.

Why I picked Kill Bill: It’s made for teams dealing with complicated billing needs and frequent changes to pricing models. You can build custom subscription plans, manage recurring charges down to the smallest detail, and plug into different payment gateways. Kill Bill gives your team full access to the code and APIs, so you can shape it to fit your process instead of working around limits. It also separates billing logic from presentation, which helps when you're running multiple brands or channels. That kind of control is hard to find in other tools.

Standout features & integrations:

Features include audit logs that help you track every billing-related action over time. Your team can use plugins to add specific functions without changing the core system. There's also built-in multi-tenant support, which is useful if you're managing billing for more than one business line.

Integrations include Stripe, PayPal, Adyen, Braintree, GoCardless, Authorize.Net, Worldline, CyberSource, BlueSnap, and Amazon Pay.

Bitcart is a non-custodial, open-source cryptocurrency payment processor designed for businesses and individuals wanting to accept crypto payments directly. It performs key business functions like accepting payments in various cryptocurrencies without third-party involvement. 

Why I picked Bitcart: It offers a unique no-fee structure, which is a significant advantage for cost-conscious users. The platform supports multiple cryptocurrencies, including Bitcoin and Ethereum, ensuring flexibility in payment options. Its user-friendly admin panel makes it easy for you to manage payments without technical hassle. Additionally, the powerful SDK allows for custom app development, aligning with its USP of no-fee transactions.

Standout features & integrations:

Features include a user-friendly admin panel for easy management, support for the lightning network to enhance transaction speed, and a powerful SDK for developing custom applications. These features make Bitcart a versatile tool for handling cryptocurrency payments.

Integrations include support for classical blockchains and smart contract platforms, enabling seamless integration with various cryptocurrencies.

UniPay is a payment gateway platform designed for large merchants and organizations that require customizable payment processing solutions. It's commonly utilized by businesses seeking to manage complex payment operations, including merchant onboarding, transaction processing, and compliance management. The platform offers a range of deployment options to accommodate various business needs.

Why I picked UniPay: It's tailored for teams that need a flexible payment infrastructure capable of adapting to specific operational requirements. UniPay provides options for white-label solutions, on-premise deployments, and support for payment facilitation models. Your team can leverage its APIs to integrate with existing systems and customize workflows. The platform also includes tools for managing recurring billing, chargebacks, and multi-currency transactions. 

Standout features & integrations:

Features include support for recurring billing, enabling your team to automate subscription-based payments. It offers tools for chargeback management, helping you handle disputes efficiently. UniPay also provides multi-currency processing capabilities, allowing you to accept payments from customers in different countries.

Integrations include Authorize.Net, Elavon, Heartland Payment Systems, Paysafe, Eightcap, CREDITONLINE, Aussie Time Sheets, Salesforce, NetSuite, and Microsoft Dynamics 365.