Open-source Stripe Connect alternative
Details
- External ID
- 49375244
- Source
- HN
- Company
- —
- Product
- Open-source Stripe Connect alternative
- Website domain
- zoneless.com
- Launched
- Aug. 20, 2026
- Cohort
- —
- Upvotes
- 83
- Upvotes percentile
- 0.9139784946236559
- Tags
- —
- Fetched at
- Sept. 10, 2026, 5:32 a.m.
- Updated at
- Sept. 10, 2026, 5:32 a.m.
Description
Hey, I'm Ben. I built Zoneless because I was paying so much to use Stripe Connect on my own marketplace. The fees were really, really bad, and it was also limiting in terms of the seller countries I could onboard. To give you an idea, I was paying around $9,000 per month in fees just to run payouts. Using Zoneless, that cost goes down to around $6.I've been using it personally for the past few months, and onboarded 5,000+ sellers and done 3,000+ payouts. 74% of new sellers on my marketplace choose Zoneless over Stripe, which is really interesting. I appreciate crypto and stablecoins are a bit of a touchy subject, but for this use case of sending global payouts cheaply, it's perfect.The project is open source with an Apache 2.0 licence, which means there's the benefit of no lock-in and no risk of your account getting flagged or shut down. It also has an almost identical API and dashboard to Stripe.Would love to hear any feedback you may have in the comments.
Enrichment
- Theme
- payments, billing, and wallet infrastructure
- Vertical
- Fintech
- Function
- Vertical SaaS
- Audience
- B2B
- AI stance
- Not AI
- Project type
- Hobby / open-source project
- Normalized one-liner
- open-source stripe connect alternative
- Manually corrected
- False
Could you build this?
No Creating a marketplace payment and payout engine requires strict financial compliance (AML, KYC, money transmitter licensing), banking rail integrations, and PCI-DSS certification that software automation cannot bypass.
What it would actually take: Requires building an enterprise-grade fintech ledger with double-entry bookkeeping, multi-currency payout routing via global banking rails (Wise, ACH, SEPA, local rails), and KYC/identity verification pipelines. Legally and operationally requires financial compliance, SOC 2 / PCI-DSS compliance, and partnerships with sponsor banks or licensed payment institutions across supported jurisdictions.
Discussion
20 comments analyzed.
Competitors mentioned: usedots.com, Coinflow, Fiber
Concerns raised: Banks will offer native stablecoin conversions in 1-2 years, making this obsolete, KYC and identity verification concerns, On/off-ramping fees for recipients
Feature requests: Charge modest refundable fee ($1/month) via Stripe for KYC flagging
Competitors
Other products that read as similar to this one — 239 launches clear the similarity bar, closest 8 shown.
Attention rank: #14 of 240 (itself plus its competitors, highest first — normalized so YC and Product Hunt are compared fairly).
Launched 290 days after the earliest competitor.
- Zoneless · hn · 2026-04-09 · 15 upvotes · similarity 0.86
- We built an open source, zero webhooks payment processor · hn · 2025-11-25 · 405 upvotes · similarity 0.54
- How to Verify USDC Payments on Base Without a Payment Processor · hn · 2026-02-22 · 7 upvotes · similarity 0.49
- I built a tool to show how much ARR you lose to FX fees · hn · 2026-04-05 · 5 upvotes · similarity 0.49
- Send USDC via Email · hn · 2025-11-05 · 5 upvotes · similarity 0.47
- FeeFlow · ph · 2026-09-21 · 2 upvotes · similarity 0.45
- BillingHub · ph · 2026-09-29 · 3 upvotes · similarity 0.45
- Kacet · hn · 2026-01-19 · 23 upvotes · similarity 0.44
Other launches for this product
- No other launches for this product.
Same idea, different domain
Nobody's really built a vertical saas tool for Insurance yet.