What You Get When You Own Your Payment Stack
Technical features built for developers and agencies who need production-grade payment infrastructure.
Double-Entry Bookkeeping
Every transaction generates balanced entries across asset, liability, and equity accounts. Your financial records are always audit-ready.
Multi-Brand Architecture
Run multiple independent stores from a single installation. Map custom domains and unique gateways to each brand seamlessly.
White-Label Customization
Your customers checkout on your domain with your logo and colors. The word OwnPay never appears in their experience.
Plugin Hook System
Extend core behaviors without modifying source code. Action events and filter overrides follow WordPress-style patterns.
SMS Payment Verification
Pair an Android device to verify incoming bank transactions via SMS. Perfect for markets where bank notifications arrive by text message.
REST API and Webhooks
Every feature has an API endpoint. Create invoices, pull transactions, and receive cryptographically signed webhook events.
See how a payment flows through OwnPay
No jargon. Two simple ideas behind a powerful, self-hosted payment system.
The journey of a single payment
From your customer's click to money in your account - every step stays on your own server and your own brand.
Customer pays
They click checkout on your store.
Your branded checkout
Your domain, your logo, your colors.
OwnPay handles it
Running on the server you control.
Your gateway
Through the provider you chose.
Your account
You keep 100%
For developers: white-label domain routing resolves each brand before the checkout ever loads - admin paths are never exposed.
Why your books always balance
OwnPay records every payment twice - once as money received, once in your ledger - so the two sides always match.
For accountants: this is true double-entry bookkeeping - every debit has a matching credit, guaranteed.
Ready to build with OwnPay?
Full installation steps, API documentation, and configuration guides.