> ## Documentation Index
> Fetch the complete documentation index at: https://ownpay.org/docs/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> OwnPay is licensed under AGPL-3.0 and is completely free - no licensing fees.
> Production docs URL: https://ownpay.org/docs - append .md to any page URL for clean markdown.
> OwnPay requires PHP 8.3+, MySQL/MariaDB, and Redis.
> MCP server available at https://ownpay.org/docs/mcp for programmatic documentation queries.
> Use root-relative links (e.g. /quickstart) for internal navigation - do NOT include /docs prefix.
> Plugin development: consult /developer/plugin-types/ pages for correct interfaces and manifests.

# Payment Gateways - Plugin-Based Gateway Integration

> OwnPay integrates payment gateways as plugins with a shared adapter contract, routing rules, fee logic, and manual offline payment methods.

How does OwnPay route payments through different gateways? A **payment gateway** processes payments by accepting customer payment information, encrypting and transmitting it to the processor, receiving authorization from the bank, and returning the result to OwnPay.

## 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

1. Go to **Gateways > Payment Gateways**
2. Click **Add Gateway**
3. Select gateway type
4. Enter credentials (API Key, Secret Key, Merchant ID)
5. Choose payment methods to enable
6. 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 via `supportedCurrencies(): array`. OwnPay handles automatic currency conversion at checkout time using exchange rates stored in `op_exchange_rates`.

## Settlement

| Gateway  | Settlement Time   |
| -------- | ----------------- |
| Stripe   | 1-2 days          |
| PayPal   | 1 day             |
| Square   | Next business day |
| Razorpay | 1-3 days          |

## 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](/user-guide/gateways/gateways) - Install and configure gateways in the admin dashboard
* [Currencies](/user-guide/gateways/currencies) - Manage currencies and exchange rates
* [Plugin system](/concepts/plugins) - Build custom gateway adapters


## Related topics

- [Gateway Plugin Development - Build Custom Payment Gateways](/docs/developer/plugin-types/gateway-development.md)
- [Developer Quickstart - Build Your First Payment Integration](/docs/developer/quickstart.md)
- [Node.js SDK - TypeScript-First Payment Integration](/docs/developer/integration/nodejs.md)
- [Payment Gateways - Connect Card Processors and Wallets](/docs/user-guide/gateways/gateways.md)
- [Features and Capabilities](/docs/resources/features.md)