Introduction
OwnPay is a self-hosted, enterprise-grade payment gateway orchestration platform. It allows a single platform owner to manage multiple white-labeled merchant stores (brands) under one installation, complete with double-entry ledger bookkeeping, developer API hubs, local Android-based SMS verification, and support for both automated and manual payment methods.
What OwnPay Is
OwnPay is not a SaaS payment processor. It is infrastructure you deploy and own. You control the server, the database, the credentials, and the data — no third-party intermediary has access to your transactions.
Key Architectural Concepts
Sovereign Single-Owner Model One master administrator controls the system. There is no self-registration; brands and staff are invited and created by the administrator.
Multi-Brand Scoping Multiple brands can be run simultaneously, completely isolated from each other — each with their own customers, gateways, staff, and checkout flows.
White-Labeling Brands configure custom customer-facing domains, logo assets, CSS styles, and email templates, fully masking the master application domain.
Double-Entry Ledger Bookkeeping All payments, fees, and transfers are recorded using double-entry bookkeeping records to guarantee financial integrity and auditing.
Mobile & SMS Gateway Connect local Android phones to dynamically parse mobile-banking SMS alerts (e.g. bKash, Nagad) to automate local manual checkouts.
Who Is OwnPay For?
| Role | Use Case |
|---|---|
| Platform Operators | Host a payment infrastructure for multiple businesses |
| Agency Owners | White-label checkout flows for clients |
| Fintech Developers | Build and integrate custom payment flows via the REST API |
| Finance Teams | Audit transactions and reconcile ledger balances |
Quick Start
- Install OwnPay on your server
- Log in as the master administrator
- Create your first Brand
- Configure a Payment Gateway
- Generate an API Key or create a Payment Link