AI Payments vs OpenSwitch
AI Payments
aipayments.comOpenSwitch
openswitch.techSide by side
| Figure | AI Payments | OpenSwitch |
|---|---|---|
| Price from | — | Free |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 1 | 3 |
| Spec score · Payment Orchestration Platforms | 7.4 (#13) | 7.6 (#12) |
| Integrations | The site describes connections to multiple processors, gateways, and acquirers through a single API but does not name specific providers on the opened orchestration page. | The connector directory lists 18 integrations, including Stripe, Adyen, Checkout.com, Braintree, Paymob, Klarna, PayPal, and Razorpay. |
| Security | The privacy policy says the company uses encryption in transit and at rest, access controls, and regular security assessments. | The developer page says requests use bearer keys with restricted scopes and that webhooks are HMAC-signed with replay protection. |
| Support | The About page lists 24/7 agentic 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. |
Plans
In their own words
AI Payments
AI Payments has no write-up on Specifiction yet; its figures are above.
OpenSwitch
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.