Gateway types
Processor gateways
Direct integrations with payment processors:- Stripe - Cards, wallets, local payments
- PayPal - Cards, PayPal account, wallets
- Square - Cards, Apple Pay
- Razorpay - Cards, UPI, wallets (India)
Local payment gateways
Regional payment methods:- bKash - Mobile money (Bangladesh)
- Nagad - Mobile payment (Bangladesh)
- GCash - Mobile payment (Philippines)
- AliPay / WeChat Pay - China
Bank gateways
Direct bank integrations:- Bank Transfer - ACH, SEPA, wire
- Direct Debit - Recurring bank payments
- Open Banking - PSD2, UK Open Banking
Custom gateways
Build your own gateway for custom processors, proprietary payment methods, or legacy system integration.Gateway configuration
Adding a gateway
- Go to Gateways > Payment Gateways
- Click Add Gateway
- Select gateway type
- Enter credentials (API Key, Secret Key, Merchant ID)
- Choose payment methods to enable
- Click Save
Test vs live mode
- Test Mode - Sandbox, no real charges. Use during development.
- Live Mode - Real transactions. Switch when ready.
Currency support
Each gateway declares supported currencies viasupportedCurrencies(): array. OwnPay handles automatic currency conversion at checkout time using exchange rates stored in op_exchange_rates.
Settlement
Webhooks and notifications
Gateways send webhooks when payments are authorized, captured, refunded, or disputed. OwnPay verifies signature authenticity, updates transaction status, and triggers your configured webhooks.Security features
- PCI compliance - Tokenized payments, no card data stored
- 3D Secure - Additional authentication layer
- AVS - Address verification
- CVV validation - Card verification
- Fraud detection - Real-time monitoring
Best practices
- Use 2+ gateways for redundancy
- Load balance for reliability
- Diversify payment methods
- Track success rates
- Monitor settlement times
- Rotate API keys quarterly
Further reading
- Gateway setup - Install and configure gateways in the admin dashboard
- Currencies - Manage currencies and exchange rates
- Plugin system - Build custom gateway adapters