💳 Which payments SaaS can you vibe code?

vs Adyen

Multi-Acquirer Smart Router

A drop-in router that routes enterprise checkouts between Stripe, Adyen, and Chase Paymentech using transaction risk and card BIN profiles to lower interchange fees.

vs Klarna

Merchant-Led Closed-Loop BNPL

A white-label, merchant-funded Pay-in-4 engine using Stripe Treasury or Marqeta. The merchant takes the default risk on their own balance sheet in exchange for zero merchant fees and higher basket sizes.

vs Mollie

Unified Local PSP Orchestrator

Build an open-source, self-hosted proxy that standardizes payment webhooks and payment intent APIs across Stripe, Adyen, and PayPal for unified multi-PSP routing without vendor lock-in.

vs PayPal

Direct Local Payments SDK

A open-source web drop-in that renders localized payment options (iDEAL, Bancontact, Pix, KakaoPay) using direct Adyen/Stripe APIs, bypassing PayPal's 3.49% tax while maintaining conversion.

vs Stripe

Self-Hosted Payment Gateway Router

An open-source service that sits in front of card networks (or Stripe/Adyen/Checkout) to execute direct interchange-plus optimization, network tokenization, and dynamic routing across multiple acquirers.