For Payment Processing Tools in June 2026, the practical problem is choosing between payment processors, gateways, switches, crypto checkout tools, and payment-adjacent infrastructure without relying on broad popularity alone. ToolVitals data compares each ranked tool using ToolVitals score, health score, shipping score, openness_label, license_label, GitHub stars, and status.
This ranking uses open/source-visible tools only and sorts by ToolVitals score first, with GitHub stars used as a secondary popularity signal for ties. Every tool in this dataset is labeled OSI-approved OSS, with license_label values of Apache-2.0, MIT, GPL-3.0, or AGPL-3.0; score order matters most, which is why Polar ranks above Hyperswitch even though Hyperswitch has many more GitHub stars.
Rankings
| Rank | Tool | Openness | License | Health | Shipping | GitHub Stars | Score | Status |
|---|---|---|---|---|---|---|---|---|
| 1 | Polar | OSI-approved OSS | Apache-2.0 | 93 | 93 | 9971 | 95 | 🟢 Excellent |
| 2 | Hyperswitch | OSI-approved OSS | Apache-2.0 | 92 | 86 | 43033 | 92 | 🟢 Excellent |
| 3 | ePUSDT | OSI-approved OSS | GPL-3.0 | 87 | 87 | 3543 | 89 | 🟢 Excellent |
| 4 | Paymenter | OSI-approved OSS | MIT | 88 | 82 | 1769 | 88 | 🟢 Excellent |
| 5 | BTCPay Server | OSI-approved OSS | MIT | 85 | 81 | 7614 | 87 | 🟢 Excellent |
| 6 | lomi. | OSI-approved OSS | AGPL-3.0 | 72 | 76 | 38 | 81 | 🟢 Excellent |
| 7 | SpawnPay | OSI-approved OSS | MIT | 70 | 80 | 0 | 81 | 🟢 Excellent |
| 8 | PipraPay | OSI-approved OSS | AGPL-3.0 | 71 | 63 | 201 | 75 | 🟢 Good |
| 9 | XCash | OSI-approved OSS | MIT | 67 | 63 | 145 | 73 | 🟢 Good |
| 10 | OwnPay | OSI-approved OSS | AGPL-3.0 | 67 | 60 | 86 | 71 | 🟢 Good |
| 11 | Zoneless | OSI-approved OSS | Apache-2.0 | 56 | 39 | 310 | 62 | 🟢 Good |
| 12 | React Native Iap | OSI-approved OSS | MIT | 55 | 33 | 3225 | 58 | 🟡 Fair |
| 13 | Bitcart | OSI-approved OSS | MIT | 51 | 33 | 950 | 56 | 🟡 Fair |
Top 3 Highlights
Polar ranks first with a 95 ToolVitals score, 93 health score, and 93 shipping score. It is labeled OSI-approved OSS with license_label Apache-2.0, and has 9,971 GitHub stars. Its description is broad but clear: turning software into a business, which puts it in the software monetization side of payment processing rather than only checkout routing.
Hyperswitch ranks second with a 92 ToolVitals score, 92 health score, and 86 shipping score. It has the largest GitHub star count in the list at 43,033, but ranks behind Polar because ToolVitals score is the primary ordering signal. It is labeled OSI-approved OSS with license_label Apache-2.0, and its description positions it as a Rust-based payments switch focused on speed, reliability, and affordability.
ePUSDT ranks third with an 89 ToolVitals score, 87 health score, and 87 shipping score. It is labeled OSI-approved OSS with license_label GPL-3.0 and has 3,543 GitHub stars. Its description is narrower than the top two: a cross-platform payment gateway for Easy Payment USDT, so it looks more specialized around USDT payment gateway use cases.
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