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Payment gateways are the processors that actually move money - Stripe, PayPal, bKash, Nagad, and over 100 others. You configure them once in OwnPay and then assign them to brands so they appear at checkout.

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Add a gateway

  1. Go to Gateways & Currencies → Payment Gateways.
  2. Click + Add Gateway.
  3. Select the provider from the list (for example Stripe, bKash API, Razorpay).
  4. Enter the required credentials (see table below).
  5. Click Save.

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Enter credentials

Each gateway requires different credentials depending on the provider. Common fields include:
All credentials are encrypted at rest using AES-256-GCM. They are never stored in plaintext in the database. Only the OwnPay application can decrypt them using the server-side encryption key.

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Gateway settings reference

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Test with sandbox mode

Before going live, enable Sandbox mode on the gateway and run a test payment:
  1. Set Sandbox mode to On.
  2. Set the gateway status to Active and assign it to a brand.
  3. Create a test payment link and complete a checkout.
  4. Verify the transaction appears in Payments → Transactions with Completed status.
  5. Once confirmed, disable Sandbox mode.

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Activate per brand

Configuring a gateway makes it available globally, but it only appears at checkout when you assign it to a brand:
  1. Go to People → Brands and edit the target brand.
  2. In the Gateways section, toggle the gateway on.
  3. Only gateways that support the brand’s currency are eligible.

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Common issues

Never commit API keys to version control or share them in chat. All credential management happens through the OwnPay admin UI or encrypted environment variables.
Last modified on August 25, 2026

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