See How Much You're Paying in Processor Fees
The math is simple. Self-hosting your payment gateway saves thousands every year.
| Feature | Hosted Gateways (Stripe, PayPal) | OwnPay Self-Hosted |
|---|---|---|
| Setup Cost | Free | Free (Open Source) |
| Monthly Fee | $0 - $30 | $0 (Your own server) |
| Transaction Fee | 2.9% + 30 cents per transaction | 0% (No percentage taken) |
| Data Ownership | Vendor lock-in | 100% yours (your MariaDB) |
| White-Label | Limited (redirects to processor) | Fully custom domain and branding |
| API Limits | Rate limited by provider | Unlimited (your server) |
Estimate Your Annual Savings
Select your monthly payment volume and see how much processor fees cost you.
Estimated Annual Fees Saved
$18,600
Calculated at Stripe's standard 2.9% + 30 cents rate (assuming $50 average transaction).
Is self-hosting right for your business?
Self-hosting payment systems is a technical responsibility. Here is an honest assessment.
OwnPay is NOT for you if:
- You do not have a developer or technical background
- You want instant account creation without server setup
- You do not want to manage hosting
OwnPay is PERFECT for you if:
- You already manage self-hosted stacks (WordPress, etc.)
- You want database sovereignty over transaction logs
- You want to eliminate processor fees completely