For the technical flow behind the scenes, see Payment Flow.
Checkout URL structure
When you create a payment link or invoice, OwnPay generates a URL on your brand’s custom domain:{transaction_id} is a unique, non-sequential identifier. Customers can bookmark this URL to return to the payment page later.
What the customer sees
The checkout page presents three stages:Payment method selection
The customer sees a list of available payment methods based on the currency and gateways configured for the brand. Methods are displayed as cards or buttons with gateway logos.Payment form
After selecting a method, the customer enters required details. For bank redirects, they are sent to the bank’s page. For manual methods, they see instructions (for example, bank account number, mobile number).Result page
After payment, the customer lands on a success or failure page with a clear status message, transaction reference, and any next steps.Success and failure pages
Success page - Shows the transaction ID, amount paid, and a confirmation message. You can customize the success message per brand. A “Return to merchant” button redirects the customer to a URL you specify when creating the payment. Failure page - Shows a generic error message (configurable) and a “Try again” button that returns the customer to the payment method selection. Sensitive error details are never exposed to the customer.Redirect behavior
After the payment is completed or fails, OwnPay can automatically redirect the customer back to your website. Set thereturn_url and cancel_url parameters when creating the payment. Redirects use a POST request with the transaction details in the body.
Branding on checkout
The checkout page inherits branding from your brand configuration:- Logo - Displayed at the top of the page (see Branding)
- Colors - Primary and accent colors applied to buttons and highlights
- Theme - The active theme controls layout, fonts, and spacing (see Themes)
- Favicon - Your brand’s favicon in the browser tab
Mobile responsiveness
The checkout page is fully responsive. On mobile devices:- Payment method cards stack vertically for easy thumb-tapping
- The payment form uses large, touch-friendly input fields
- Buttons are full-width to prevent mis-taps
- No horizontal scrolling at any screen width
White-label experience
OwnPay is designed to be invisible to your customers. No OwnPay branding, logos, or links appear on the checkout page. The HTML title, favicon, and all visual elements are controlled by your brand configuration.Related Pages
- Branding - Configure logo, colors, and favicon
- Themes - Customize layout and visual design
- Payment Flow - Technical flow behind the checkout
- Payment Links - Create shareable checkout URLs