Chargebee
Subscription billing and revenue management for recurring businesses
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Modular developer platform for complex financial transaction flows
Open-source platform with programmable ledger, unified payments API, and transaction modeling DSL. Deploy components together or as standalone microservices for financial operations.
Formance Stack is a highly modular developer platform designed for engineering teams building and operating complex financial transaction systems at any scale. Whether you're building a fintech application, marketplace, or embedded finance product, Formance provides the infrastructure to model, record, and process money movements with precision.
The platform comprises three primary components: Formance Ledger delivers a programmable double-entry, immutable ledger as your source of truth for internal financial transactions. Formance Payments provides a unified API and data layer that abstracts payment processing complexity. Formance Numscript offers a domain-specific language and virtual machine for modeling monetary computations and transaction logic.
Built on PostgreSQL, Kafka/NATS, and Traefik, Formance can be deployed locally via Docker Compose for development or to Kubernetes clusters using official Helm charts for production. Components work together as a complete stack or independently as microservices, giving teams flexibility to adopt what they need. A cloud sandbox environment enables rapid prototyping without infrastructure setup.
When teams consider Formance, these hosted platforms usually appear on the same shortlist.
Looking for a hosted option? These are the services engineering teams benchmark against before choosing open source.
Marketplace Split Payments
Model complex multi-party transactions with automatic commission splits, escrow handling, and reconciliation across vendors using programmable ledger logic.
Embedded Finance Platform
Build white-label financial products with unified payment processing, immutable audit trails, and custom transaction rules defined in Numscript.
Multi-Currency Wallet System
Track user balances across currencies with double-entry accuracy, process cross-border payments through unified API, and maintain complete transaction history.
Subscription Billing Infrastructure
Orchestrate recurring payments, usage-based billing, and revenue recognition with programmable ledger entries and payment provider abstraction.
Yes, Formance components are designed as standalone microservices. You can deploy only the Ledger, Payments API, or Numscript runtime independently based on your needs.
Numscript is a domain-specific language for modeling monetary transactions declaratively. It simplifies complex financial logic like multi-party splits, conditional transfers, and balance validations without imperative code.
No, the Formance Cloud sandbox is intended for testing and prototyping only. Production deployments should use self-hosted infrastructure via Docker Compose or Kubernetes with Helm charts.
The documentation does not specify supported providers. Formance Payments provides a unified API layer, but you should consult the official documentation for the current list of integrations.
Local development requires Docker with at least 5GB available RAM and Docker Compose. Production deployments typically use Kubernetes clusters with PostgreSQL and either Kafka or NATS for messaging.
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