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This page is the canonical reference for integrating with the OwnPay API. Every example shows how to create a payment intent, handle the response, and redirect the customer to the checkout page.
For a step-by-step tutorial, see the Quickstart. For the full API reference, see API Overview.

Creating a payment

Create a payment intent by calling POST /api/v1/payments. The response includes a checkout_url - redirect your customer there to complete payment.

Verifying webhooks

Always verify the HMAC-SHA256 signature before processing a webhook. The signature covers {timestamp}.{raw_body}.

Querying transaction status

You can query a payment’s status directly, which is useful when a customer returns to your site after payment.
Prefer webhooks over polling for production integrations. Webhooks are near real-time and do not waste API rate limit quota. Use status queries only as a fallback when a webhook was missed.

Last modified on August 25, 2026