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This guide shows how to integrate OwnPay into a PHP 8.3+ application using the native HTTP client (file_get_contents + stream contexts) or cURL. No Composer package is required.

Prerequisites

  • PHP 8.3 or higher
  • allow_url_fopen = On in php.ini (for stream-based requests), or the curl extension enabled
  • An OwnPay API key from Admin > Developer Hub

Basic API client

Creating a payment intent

Request fields

Retrieving a payment intent

Listing transactions

Error handling

Environment configuration

Next steps

Last modified on July 15, 2026