Hyperswitch

Hyperswitch is a composable, open source payments stack from Juspay. Rather than committing a business to one processor and one integration, it lets teams pick only the modules they need and place them on top of an existing payment setup, without vendor lock-in.

It is written in Rust and connects to Stripe, Adyen, Braintree, Worldpay, Checkout.com, Cybersource and more than 120 other processors. A Control Center provides a visual workflow builder for routing and retry logic, and each module is independent enough to adopt on its own.

The payment modules cover distinct parts of the transaction lifecycle.

• Intelligent routing: sends each transaction to the processor with the highest predicted authorization rate, cutting retries and latency.
• Vault: stores cards, tokens, wallets and bank credentials in a PCI compliant service, or connects an existing vault such as VGS or TokenEx.
• Revenue recovery: fights passive churn with retry strategies tuned by card bin, region and payment method.
• Cost observability: audits payment costs and surfaces hidden fees, downgrades and penalties on self serve dashboards.
• Reconciliation: automates two way and three way matching with backdated support and staggered scheduling.

A setup script brings the stack up locally with Docker or Podman in standard, full or minimal profiles, and Helm charts cover AWS, GCP and Azure. A hosted sandbox lets you configure connectors and test payments before committing any infrastructure of your own.