OwnPay is an open-source organization building self-hosted payment infrastructure — giving developers, merchants, and businesses complete ownership of their financial stack.
We pioneered the world's first self-hosted white-label custom-domain checkout architecture: one server, multiple brands, each on its own domain, logo, and color scheme — customers see your brand, never OwnPay. We believe payment infrastructure should be transparent, auditable, and yours. No vendor lock-in. No third-party access to your data. No recurring SaaS fees.
Your payment gateway. Your server. Your data. Your rules — forever.
⚙️ OwnPay CoreThe flagship platform. A self-hosted payment orchestrator with 120+ gateway integrations, the industry's first white-label custom-domain checkout (one install → unlimited brands, each on its own domain), a double-entry ledger engine, a sandboxed plugin system, REST APIs, and a signed self-update engine — all in a dependency-minimal PHP 8.3+ core. |
A plugins directory of payment gateway adapters and add-ons — covering global cards, mobile financial services (MFS), regional banks, and crypto. Browse and install at plugins.ownpay.org. |
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A Flutter-based companion app for merchants — device pairing, JWT auth, real-time transaction monitoring, and SMS verification. General availability coming with v1.0. |
The full REST API reference lives at docs.ownpay.org. Step-by-step guides — gateway development, deployment, integration tutorials, and more — are at ownpay.org/docs. |
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Security First AES-256-GCM field encryption, Argon2id passwords, strict CSP, rate limiting, SSRF guards, PHPStan level 9. Security is a baseline, not a feature. |
Financial Precision A double-entry ledger engine backed by bcmath string arithmetic — because floats have no place in financial software. |
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Extensible by Design A sandboxed plugin system and a domain hook engine (WordPress-style actions & filters) let you extend everything without forking the core. |
Open Forever AGPL-3.0 licensed. The core platform is, and will always remain, free and open source. Community-shaped, community-driven. |
PHP 8.3+ · MySQL 8 / MariaDB 10.4+ · Twig 3 · PHPStan Level 9 · AGPL-3.0
No heavyweight framework. A small, readable, first-party core — because you should be able to audit every line of code handling your money.
| Resource | What you'll find | |
|---|---|---|
| 🌐 | ownpay.org | Product overview & download |
| 📖 | docs.ownpay.org | REST API reference (merchant, mobile, admin) |
| 🎓 | ownpay.org/docs | Tutorials, deployment guides, gateway development |
| 🧩 | plugin.ownpay.org | Gateway & add-on catalog |
| 📰 | blog.ownpay.org | Releases, changelog & announcements |
| demo.ownpay.org | Live demo — try it without installing |
OwnPay is built by contributors from around the world. Every bug report, translation, gateway adapter, and PR makes it better for everyone who self-hosts.
Ways to contribute:
- 🐛 Report bugs — open a reproducible issue
- 🔌 Build a gateway — add your payment provider as a plugin
- 🌍 Translate — help localize the admin panel and checkout
- 📖 Improve docs — fix typos, expand guides, add examples
- ⭐ Star the repo — it helps more developers find OwnPay
Built by the community, for the community. ❤️
#OwnPay #OpenSource #SelfHosted #PaymentGateway #Fintech #DataSovereignty
