Hyperswitch - Free and open-source payments orchestrator reddit / selfhosted ---------------------------------------------------------------------- DoctorMany7987 · 2023-12-27 12:13 Hyperswitch is an attempt to replicate India's success with UPI (Unified Payments Interface) globally. Today, the payment ecosystem is: * Dominated by closed systems and walled gardens * Ever increasing in diversity * Becoming expensive for businesses Payments should be a basic utility of the internet and these problems can only be solved by a community led effort. Self host Hyperswitch: [https://docs.hyperswitch.io/](https://docs.hyperswitch.io/about- hyperswitch/readme) GitHub: [https://github.com/juspay/hyperswitch](https://github.com/jus pay/hyperswitch) Hyperswitch is built with Rust and is now fully free and open source (app server, card vault, web client SDK & dashboard). It is optimized for sub 30ms overhead with 50+ processor integrations. There's also multiple self hosting options ---------------------------------------------------------------------- tankerkiller125real · 2023-12-27 13:23 I have to admit, banking/payment software is not what I expected when I initially read Hyperswitch. Made me think for a moment that someone finally released viable, good virtual IP switching/x86 switching software. With that said, this does look extremely cool, and for sure something I'll keep in my back pocket if I ever need something like it. ---------------------------------------------------------------------- CrashOverride93 · 2023-12-27 14:52 I still not understand what exactly is or could be the usage of that service. Let's say I have my own shop managed by an e-commerce software, like: PrestaShop (as an example). Then, I install appropriate modules to support payments using: PayPal, Redsys (spain), Bitcoin, etc. How this service could help me in that case? Or the benefits? Thanks! ---------------------------------------------------------------------- Bonsailinse · 2023-12-27 15:07 The module that manages payments for you is exactly what this here would be. ---------------------------------------------------------------------- DoctorMany7987 · 2023-12-27 15:11 While Hyperswitch does have a WooCommerce plugin for now, it is going to be particularly helpful if you're building your own website. In the future, you might decide to switch to a different e-commerce platform or might find the need to build your online store from the ground up. Using this service would help you stay in control of your payments. For each transaction you can set up custom routing rules to decide which processor should process the transaction. You can save significantly on processing fees when your transactions volumes scale. You can also use the built in 3DS decision manager to fight payment frauds, you can improve the payment success rates with automatic retries. There's also no code integration for payment processors across the world. Overall, payments are critical but are not core to most businesses. By self hosting Hyperswitch you are not tied to any platform or any single payment processor. Yet you do not have to worry about spending additional development bandwidth to manage payments ---------------------------------------------------------------------- sadhgurukilledmywife · 2023-12-27 15:12 I don't see how this replicates UPI? Isn't this just an open source payment gateway? Which is great, but saying this replicates UPI makes very little sense? ---------------------------------------------------------------------- SmellsLikeAPig · 2023-12-27 15:27 Openvswitch not good enough for you? ---------------------------------------------------------------------- tankerkiller125real · 2023-12-27 15:30 Openvswitch is awesome, HOWEVER it's complicated to set-up, and it's not as simple as say for example VyOS, pfSense, OpnSense, etc. where you have an ISO you can just straight up install on a VM or hardware box and be off and running. ---------------------------------------------------------------------- SmellsLikeAPig · 2023-12-27 15:34 So it's not a matter of vswitch software but some sort of vswitch distro with gui and sane defaults. ---------------------------------------------------------------------- DoctorMany7987 · 2023-12-27 15:41 UPI is very cool for a number of reasons, let's look at two of them: **Unifying diversity:** Today the global payments ecosystem is extremely diverse. There are hundred of payment processors and payment methods. This diversity is largely driven by user preference & regulations across different countries and it must be accommodated for. Hyperswitch wants to unify this diversity in the same way that UPI managed to unify all the banks in India. Having said that, what worked in India with UPI or with PIX in Brazil might not work globally. Particularly because UPI had a lot of tailwind in India both through the government and through pre-existing identity management tech like Aadhar. Hyperswitch believes that this global unification is possible only thrugh an open payments system that is managed by the community. This is needed to truly appreciate the nuances of local regulations and payment methods. **Connecting the payment experience directly to the source (banks):** Today the payment ecosystem is incredibly layered. This adds both to cost and latency. At the most basic level, a transaction is simply banks' software talking to each other. While software is able to transcend borders, payments still can't for various reasons. UPI has shown that you can have good user experiene while still ensuring direct communication between banks. You are right in the sense that this does not replicate UPI, at least as of today. The resemblence is in terms of unfying diversity and connecting to the source. Also, Hyperswitch is not a payment gateway, you would still need to connect your own payment processor to process your transactions. Hyperswitch simply saves you the trouble of integrating with multiple payment processors, de-risks you from a single processor, gives your control of how you route transactions and manage payment frauds ---------------------------------------------------------------------- tomistruth · 2023-12-27 16:11 Can you go into use cases when it will be useful? Is it glue software to build your own pci compliant creditcard processor? Which services does it support out of the box? ---------------------------------------------------------------------- tankerkiller125real · 2023-12-27 16:24 Don't really care too much about GUI (most switches are console only, and that's fine). More along the lines of a distro with sane kernel optimization and defaults would be nice. ---------------------------------------------------------------------- somebodyknows_ · 2023-12-27 17:05 It needs enhancements in terms of integrations and DX imho. What about PayPal? Do you support react only? ---------------------------------------------------------------------- DoctorMany7987 · 2023-12-27 17:28 The most prominent use case would be for when you find yourself in the need of multiple payment processors. This is usually a requirement if you have customers in multiple countries. Even locally, different payment processors charge differently for different payment methods. You can set up cost based or volume based custom routing rules to cut processing fees and improve conversion rates. You can save up on tons of dev effort in integrating each payment processor. Hyperswitch already supports 50+ payment processors which you can integrate to your app without writing any code. You can manage and integrate FRM providers, manage refunds / chargebacks and payouts. You can use Hyperswitch to accept payments for your marketplace. You can manage mandates & recurring payments. You get a customizable & embedded checkout experience with the web client SDK along with a dashboard to manage all your payment operations from a single place. There is also a hosted version available and it is PCI compiant but you would have to obtain PCI compliance for your stack if you choose to self-host. The process of obtaining PCI coimpliance is often exaggerated and we have tried to simplify it. You can use the Hyperswitch card vault for this. ---------------------------------------------------------------------- DoctorMany7987 · 2023-12-27 17:36 Thanks for the feedback, would love to know what kinds of integrations you're looking for. Also anyting in particular that you didn't like with the developer experience (cloud friendliness, clarity of integration steps, compliance requirements, logs / monitoring or any other are area)? You can let me know about it here or you can add to our discussions page: [https://github.com/juspay/hyperswitch/discussions](https://github.com /juspay/hyperswitch/discussions) Happy to work with you to fix it! Yeah PayPal is available and we do support other frameworks / libraries. Anything in particular that you are looking for? ---------------------------------------------------------------------- somebodyknows_ · 2023-12-27 17:49 Yeah, I would improve integration with frameworks and docs about it, at least for common frameworks. Other things are fine ---------------------------------------------------------------------- techsnapp · 2023-12-27 18:00 Made me think of HyperNetwork from flowroute https://flowroute.com/hypernetwork/ ---------------------------------------------------------------------- DoctorMany7987 · 2023-12-27 18:07 Hahaha there's surely a pattern here! ---------------------------------------------------------------------- prozacgod · 2023-12-27 20:35 I was confronted with this conundrum earlier today and was wondering if there was an effort to sort it. ---------------------------------------------------------------------- DoctorMany7987 · 2023-12-27 21:01 For multiple processors you mean? ---------------------------------------------------------------------- MeYaj1111 · 2023-12-27 21:42 Does hyperswitch support recurring/subscription payments? ---------------------------------------------------------------------- DoctorMany7987 · 2023-12-27 22:04 Yes, Hyperswitch supports mandates & recurring payments: [https://docs.hyperswitch.io/features/payment-flows-and- management/mandates-and-recurring- payments](https://docs.hyperswitch.io/features/payment-flows-and- management/mandates-and-recurring-payments) ---------------------------------------------------------------------- MeYaj1111 · 2023-12-27 23:19 awesome thank you ---------------------------------------------------------------------- sexyshingle · 2023-12-29 10:13 Thanks for the detailed explanation. ---------------------------------------------------------------------- CaptAintHere · 2023-12-29 14:46 Interesting! Is there a Docker image for the control center and the web client? I successfully deployed the app server using Docker but I don't find a similar installation for the rest.