OwnPay is an open-source, enterprise-grade payment gateway orchestration platform that you install, run, and own entirely on your own infrastructure. Unlike SaaS payment products, no third party has access to your server, your database, or your transaction records. Every payment processed through OwnPay stays within the boundaries of your own deployment — giving operators, agencies, and fintech teams full sovereignty over their payment stack.Documentation Index
Fetch the complete documentation index at: https://mintlify.com/own-pay/OwnPay-Documentation/llms.txt
Use this file to discover all available pages before exploring further.
What Makes OwnPay Different
OwnPay is built around a small set of architectural decisions that distinguish it from typical hosted payment platforms.Sovereign Single-Owner Model
One master administrator controls the entire installation. There is no self-registration — all brands, staff members, and API keys are created by the administrator.
Multi-Brand Scoping
Run multiple fully isolated merchant stores (brands) under one installation. Each brand has its own customers, gateways, staff, and checkout domain.
White-Labeling
Brands configure custom domains, logos, color schemes, and email templates — fully masking the master application domain from end customers.
Double-Entry Ledger
Every payment, fee, and transfer is recorded using double-entry bookkeeping to guarantee financial integrity and support full audit trails.
Mobile SMS Gateway
Connect local Android phones to automatically parse mobile-banking SMS alerts (bKash, Nagad, etc.) and automate manual payment verification flows.
Plugin Architecture
Extend OwnPay with gateway plugins, custom payment methods, and admin panel integrations through a structured plugin system.
OwnPay Is Not a SaaS
When you deploy OwnPay, you control the server, the database, the credentials, and all customer data. There is no OwnPay cloud, no transaction fees paid to OwnPay, and no vendor lock-in. You are running payment infrastructure the same way you would run any other self-hosted application.OwnPay requires you to manage your own hosting environment, database, SSL certificate, and server maintenance. Review the System Requirements before proceeding with installation.
Who Should Use OwnPay
OwnPay is designed for operators and developers who need more control than SaaS payment tools provide.| Role | Primary Use Case |
|---|---|
| Platform Operators | Host a centralized payment infrastructure for multiple businesses or clients under one installation |
| Agency Owners | Deliver white-labeled checkout flows for clients, each on their own custom domain with their own branding |
| Fintech Developers | Build and integrate custom payment flows, plugins, and automations via the full REST API |
| Finance Teams | Audit transaction records, reconcile ledger balances, and export financial reports |
Quick Start Path
Check System Requirements
Verify your server meets the minimum PHP, MySQL, and extension requirements before downloading OwnPay. See System Requirements.
Install OwnPay
Download the latest release from GitHub, upload it to your server, and run the web-based installer at
yourdomain.com/install. See Installation Guide.Log In as Master Admin
After installation, log in at
yourdomain.com/login with the administrator credentials you created during the installer wizard.Create Your First Brand
Navigate to People → Brands and add a brand with a name, currency, and timezone. This is the merchant entity that will process payments.
Configure a Payment Gateway
Go to Gateways and connect your payment provider (Stripe, PayPal, bKash, or another supported gateway) to your brand.
Next Steps
System Requirements
Review the server specs, PHP extensions, and hosting environment needed to run OwnPay.
Installation Guide
Step-by-step instructions for shared hosting, VPS, and Docker deployments.
Core Concepts
Understand the multi-brand model, payment lifecycle, and RBAC system before building.
Payment Flow
Trace a payment from API intent creation through gateway callback to webhook delivery.