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OpenSwitch

openswitch.tech

Free plan APISelf-hosted
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Spec score 7.6 #12 of 26 in Payment Orchestration Platforms

What it is

OpenSwitch provides one API for routing, retrying, and observing payments across multiple payment service providers. Routing rules can use cost, success rate, currency, BIN, geography, or custom expressions, while retry policies and connector fallback chains reroute soft declines. A shared schema covers payments, refunds, disputes, mandates, and webhooks across enabled connectors. The product describes a network-token-aware vault with tokens portable across PSPs controlled by the customer. Per-connector latency, authorization rates, and decline reasons are available, with event export through webhooks or S3. The connector directory lists 18 integrations, including Stripe, Adyen, Checkout.com, Braintree, Paymob, Klarna, PayPal, and Razorpay. Developer materials document REST and JSON, an npm SDK, Docker, and a self-hosted Rust binary. OpenSwitch says it does not custody funds; settlements occur directly between PSPs and customers' bank accounts. Open Source is free; Cloud is priced on request per orchestrated request.

Spec sheet

What it does
OpenSwitch provides one API to route, retry, and observe payments across multiple payment service providers (PSPs).Read 2 Oct 2026 · openswitch.tech
Integrations
The connector directory lists 18 integrations, including Stripe, Adyen, Checkout.com, Braintree, Paymob, Klarna, PayPal, and Razorpay.Read 2 Oct 2026 · openswitch.tech
Security
The developer page says requests use bearer keys with restricted scopes and that webhooks are HMAC-signed with replay protection.Read 2 Oct 2026 · openswitch.tech
Support
The pricing page lists community support for Open Source, email and Slack support for Cloud, and 24/7 on-call plus a dedicated solutions engineer for Enterprise.Read 2 Oct 2026 · openswitch.io
Connector framework
OpenSwitch says it inherits Hyperswitch’s connector framework and allows new connectors to be added through its connector trait.Read 2 Oct 2026 · openswitch.tech
Developer support
The developer page documents REST and JSON, an npm SDK, a Docker image, and a self-hosted Rust binary.Read 2 Oct 2026 · openswitch.tech
Enterprise security
The pricing page lists mTLS and a SOC 2 / PCI evidence pack among Enterprise offerings.Read 2 Oct 2026 · openswitch.io
Funds flow
The homepage says OpenSwitch does not custody funds and that settlement occurs directly between PSPs and customers’ bank accounts.Read 2 Oct 2026 · openswitch.tech
Observability
It provides per-connector latency, authorization rates, and decline reasons, with event export through webhooks or S3.Read 2 Oct 2026 · openswitch.tech
Retry and failover
Configurable retry policies and connector fallback chains can reroute soft declines.Read 2 Oct 2026 · openswitch.tech
Routing
Its routing rules can route payments by cost, success rate, currency, BIN, geography, or custom expressions.Read 2 Oct 2026 · openswitch.tech
Unified API
The API provides a common schema for payments, refunds, disputes, mandates, and webhooks across enabled connectors.Read 2 Oct 2026 · openswitch.tech
Vault
The product describes a network-token-aware vault with tokens portable across PSPs the customer controls.Read 2 Oct 2026 · openswitch.tech
Who it is for
The use-cases page describes the product for fintechs, marketplaces, and SaaS teams that need to work across multiple PSPs.Read 2 Oct 2026 · openswitch.io

Plans and prices

Cloud Priced on request per orchestrated request; volume tiers from 1M req/mo Hosted · 99.99% SLA · Managed connector upgrades · Email + Slack support Read 2 Oct 2026 · openswitch.io
Open Source Free Self-hosted · Unlimited transactions · All open-source connectors · Community support Read 2 Oct 2026 · openswitch.io
Enterprise Price not published Annual contract Single-tenant or VPC deployment · Custom connectors & SLAs · 24/7 on-call + dedicated SE Read 2 Oct 2026 · openswitch.io

Every OpenSwitch plan and price →

Strong points and limits

Strong points

  • Rules route by cost, success, currency, BIN, or geography
  • Fallback chains reroute soft declines
  • Common API covers payments and related objects
  • 18 listed connector integrations
  • Webhook or S3 event export

Limits

  • Self-hosted deployment requires technical operation
  • Cloud billing is per orchestrated request
  • Funds are settled by PSPs, not OpenSwitch

Who it suits

It is aimed at fintechs, marketplaces, and SaaS teams operating across multiple PSPs. Teams can choose self-hosted deployment or hosted Cloud and Enterprise arrangements.

Verdict

OpenSwitch centralizes payment routing, retries, connector access, and monitoring behind one API. Its free self-hosted option and listed Cloud price provide entry points, while Enterprise terms and deployment choices require separate planning.

Where Specifiction places it

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