OpenSwitch vs PayServ Multi-PSP Platform

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.

PayServ Multi-PSP Platform helps merchants evaluate, test, certify, and route payments across payment service providers. It supports automated functional, regression, and performance testing, parallel PSP evaluation, and certification reports. Named provider connections include Stripe, Adyen, Fiserv, PayPal, Authorize.net, Square, Payoneer, and Braintree. Configurable routing and automatic failover are available; the product page states rerouting takes under 800ms. A unified REST API and client SDKs for Node.js, Java, Python, and PHP support integration work. PayServ's AI agents answer PSP integration questions, generate code, and create test scenarios. The Free plan costs nothing and includes one PSP sandbox connection and up to 500 test transactions per month, plus 20 AI Copilot queries per day and 50+ test scenarios. Scale costs $99 a month; Growth costs $299 a month. A 14-day trial is listed. PayServ says provider-hosted fields capture card data, raw cardholder data does not pass through its servers, and credentials are encrypted at rest with AES-256-GCM and in transit over TLS 1.3.