I'm currently buidling a SaaS app and looking for software to abstract away their API. I hate writing billing code, and small changes like Stripe's new webhooks[1] can end up being a pain in the arse, not to mention the tons of Stripe-specific code.

My main concern is keeping a copy of all transaction data locally, so even if Stripe went down temporarily, I wouldn't be reliant on their API. It's also important for deactivating accounts and other tasks.

It seems like Recurly[2] and Chargify[3] only support Braintree, but if I switched to Braintree from Stripe, I'd be looking at nearly $200/mo extra in overhead. OpenGateway[4] is certainly an option, but I have mixed feelings on uses non-open-source software locally.

Before this turns into a huge stream-of-consciousness post - has anyone had experience with this particular problem (not wanting to write/maintain billing API code), and are there any other well-developed solutions out there?

[1] https://stripe.com/blog/webhooks

[2] http://recurly.com/features/payment-gateway-support

[3] http://chargify.com/payment-gateways/

[4] http://www.opengateway.net/partners