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Welcome to OwnPay - the open-source, self-hosted payment orchestration platform that puts you in full control of how your business accepts money. Instead of routing every transaction through a third-party processor that takes a cut and holds your data, you run your own gateway server on infrastructure you trust. OwnPay connects you to 123+ payment networks (Stripe, PayPal, bKash, Nagad, Razorpay, SSLCommerz, and many more) through a single unified API, then lets you manage multiple isolated merchant brands from one dashboard. Every payment is recorded in a built-in double-entry ledger for audit-ready accounting.

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Core features

100+ payment gateways

Accept cards, mobile wallets, bank transfers, and local payment methods across 50+ countries through a single integration point.

Multi-tenant brands

Run isolated merchant tenants - each with its own gateways, domain, branding, staff, API keys, and ledger - from a single OwnPay instance.

Double-entry ledger

Every payment, fee, and transfer is recorded as balanced debit-credit journal entries using the bcmath extension for precise money math.

White-label domains

Serve branded checkouts on custom domains like pay.yourbrand.com with automated SSL provisioning and DNS verification.

Quickstart

Get a payment gateway running in 5 minutes. Create a brand, activate a gateway, and accept your first test payment.

API reference

Integrate payments into your apps with Merchant, Mobile, and Admin REST APIs. Includes webhook verification and SDK examples.

Developer hub

Build custom gateway plugins, themes, and integrations using the plugin system with hooks, filters, and event callbacks.

Features overview

Explore the full feature set - SMS verification, invoicing, manual payments, multi-currency, and more.

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What makes OwnPay different

  • Self-hosted with full data sovereignty - your server, your database, your rules. No third party sees your customer data or transaction history.
  • 123+ gateways out of the box - international processors (Stripe, PayPal) alongside regional leaders (bKash, Nagad, GCash, Razorpay, SSLCommerz) with more added every release.
  • Zero transaction fees from OwnPay - licensed under AGPL-3.0 with no per-transaction charges. You only pay your gateway’s processing fees.
  • AGPL-3.0 licensed and free forever - no licensing tiers, no feature gates, no phone-home telemetry. The full source code is on GitHub.
  • Plugin-extensible architecture - add gateways, themes, addons, and integrations without touching core code. Over 60 hooks and a WordPress-style lifecycle.
  • Double-entry ledger - accounting-grade financial tracking with debit-credit balance validation, brand isolation, and built-in reconciliation.

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Who should read these docs?

Choose the path that matches your role:

I am a merchant owner

You want to accept payments on your website or via payment links. Start with the Quickstart guide.

I am a developer

You want to integrate the API, build plugins, or embed OwnPay into an existing app. Head to the Developer Hub.

I am a sysadmin

You need to deploy, configure, and maintain an OwnPay instance. Read the Installation guide.

I am a plugin developer

You want to build a custom gateway adapter, theme, or addon. Start with the Plugin System overview.
Last modified on August 25, 2026

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Frequently Asked QuestionsOwnPay Architecture: PHP Core, Middleware, and PluginsContributing to OwnPayQuickstart - Accept Your First Payment in 5 MinutesRoadmap - OwnPay Release Milestones and Upcoming Features