Open Source - AGPL Licensed

Stop Paying Transaction Fees You Don't Have To

OwnPay is a self-hosted payment gateway. Install it on your server, connect any payment provider, and keep every dollar of your revenue.

94GitHub Stars
5Forks
123Gateways
2Contributors
Live proof

See It Running Before You Decide

Open the OwnPay demo. Browse the dashboard, test the checkout flow, and verify it works - no signup needed.

Brand routingActive
Gateway plugins124
Ledger statusBalanced
Webhook queueHealthy
Why OwnPay

Your revenue. Your data. Your brand. Finally.

OwnPay is not a payment processor. It is self-hosted payment infrastructure that puts you in control of every transaction.

0%OwnPay platform cut
100%Your checkout domain

You Own Your Money

No payment processor takes a percentage of your sales. Your revenue goes directly to your account.

You Own Your Data

Everything runs on your server. Your customers' data never leaves your control.

You Own Your Brand

White-label it completely. Your domain, your logo, your colors. Customers never know OwnPay is behind it.

Get started

From zero to payments in three steps

No vendor contracts. No approval process. Install, connect, collect.

  1. 01

    Download and Install

    Drop OwnPay onto any PHP server. Takes under 5 minutes.

  2. 02

    Connect Your Gateways

    Choose from the growing list of supported payment gateways. Configure with your credentials.

  3. 03

    Start Accepting Payments

    Share your payment links or embed the checkout. Money goes to your account.

Payment ecosystem

Works with the gateways your customers already trust

Connect Stripe, PayPal, bKash, Nagad, SSLCommerz, and more. Add new gateways as plugins without touching core code.

2Checkout Aamarpay Adyen Airtel Money Amazon Pay Apple Pay Authorize.Net Billplz Binance Pay Binance Personal Address BitPay BlueSnap Braintree DANA Wallet EPS Klarna Maya Wallet Moneris MyFatoorah OpenNode PayPal Checkout Sezzle Stripe Touch 'n Go eWallet 2Checkout Aamarpay Adyen Airtel Money
Built different

Payment infrastructure designed for production

Technical features that matter when you are processing real money for real customers.

Double-Entry Bookkeeping

Every transaction generates balanced ledger entries. Debits always match credits. Your financial records are always audit-ready and reconciliation takes seconds, not hours.

// Balanced ledger entries for every payment
$ledger->record([
    'debit'  => ['customer_receivable', $amount],
    'credit' => ['merchant_revenue',    $amount],
]);

Multi-Brand Architecture

Run multiple stores from a single installation. Each brand gets its own domain, gateways, customers, and team members. One server, unlimited storefronts.

// Resolve brand context from request domain
$brand = BrandContext::fromHost($request->host());
$gateway = $brand->gateway('stripe');
$checkout = $brand->checkoutTheme();

White-Label Checkout

Your customers see your brand on the checkout page. Your domain, your logo, your color palette. The word OwnPay never appears in the customer experience.

// Custom domain checkout with merchant branding
https://pay.yourbrand.com/checkout/inv-2024-0042

Brand:   Your Company Name
Theme:   Your brand colors
Domain:  Your SSL certificate

Plugin Hook System

Extend OwnPay without modifying core code. The hook system follows WordPress-style action and filter patterns. If you have built a WordPress plugin, you already know how this works.

// Register a hook - familiar WordPress-style API
Hook::on('payment.completed', function ($trx) {
    Notification::send($trx->merchant, $trx);
    Analytics::track('conversion', $trx->amount);
});

REST API and Webhooks

Every feature has an API endpoint. Create invoices, pull transactions, and receive cryptographically signed webhook events. Build mobile apps, dashboards, or custom integrations.

// Retrieve a payment via REST API
GET /api/v1/payments/pay_7Xk9mN2q

// Webhook payload (HMAC-signed)
{
  "event": "payment.completed",
  "amount": 4999,
  "currency": "USD"
}
In production

Trusted by Businesses in Production

Real businesses and developers running OwnPay on their own servers.

Running OwnPay on your server? Be the first to showcase your project.

Extensible

A growing ecosystem of plugins

Gateways connect payment providers. Addons add features. Themes customize checkout. Build your own or install community plugins.

The plugin system follows the same patterns as WordPress - if you know one, you already know the other.

Gateway Plugins

123 available

Addon Plugins

1 available

Themes

Customize checkout

SDKs

WordPress, WooCommerce

94
GitHub Stars
2
Contributors
123
Payment Gateways
124
Plugins
From the founder
Fattain Naime
I started OwnPay because I believe payment infrastructure should be owned by the merchant, not rented from a corporation. Every business deserves control over where their money flows. Owning your payment stack should not be a privilege reserved for large enterprises with custom engineering teams.
Fattain Naime, Creator of OwnPay
Open source community

Built by people who care about payment sovereignty

OwnPay is made possible by contributors who donate their time, knowledge, and skill.

Ready to own your payments?

Choose your path

Developer

Read the docs, explore the API, and build a plugin.

Developer Docs

Install

Deploy OwnPay on your server in under 10 minutes.

Installation Guide

Try Demo

See OwnPay running live. No account needed.

Open Demo