### Your Gateway. Your Server. Your Rules. **The self-hosted, open-source payment gateway automation platform.** [](https://ownpay.org)
[](https://github.com/own-pay/OwnPay/releases/latest) [](LICENSE) [](https://php.net) [](CONTRIBUTING.md) [](https://github.com/own-pay/OwnPay/stargazers) 
[**🌐 Website**](https://ownpay.org)  ·  [**📖 API Reference**](https://docs.ownpay.org)  ·  [**🎓 Docs**](https://ownpay.org/docs)  ·  [**🧩 Plugins**](https://plugins.ownpay.org)  ·  [**📰 Blog**](https://blog.ownpay.org)  ·  [**▶️ Demo**](https://demo.ownpay.org/login)
[](https://github.com/own-pay/OwnPay/releases/latest)   [](#-deploy-to-your-server)   [](https://github.com/own-pay/OwnPay)

[](https://namepart.com)     **[Namepart](https://namepart.com)** — Powering open-source fintech infrastructure.   _{[Become a Sponsor →](https://ownpay.org/donate)}

[!NOTE] OwnPay is in Public Beta (v0.2.0). It's stable, hardened (PHPStan level 9 + automated test suite), and ready to self-host today. We're gathering real-world feedback on the road to 1.0 — tell us what you find.

📑 Table of Contents

• What is OwnPay?
• Why OwnPay?
• Features
• How It Works
• Deploy to Your Server
• Run Locally / Contribute
• Tech Stack
• Documentation & Ecosystem
• FAQ
• Roadmap
• Sponsors
• Contributors
• Community & Support
• Security
• License

💎 What is OwnPay?

OwnPay is an enterprise-grade, open-source, self-hosted payment gateway automation platform. It is built for developers, entrepreneurs, and businesses who want absolute sovereignty over their payment infrastructure, customer data, and transaction flows without paying middleman fees or relying on third-party SaaS platforms.

With native support for over 120+ payment gateways, a secure double-entry ledger database, white-labeled multi-brand management, and a sandboxed plugin engine, OwnPay gives you the power of a commercial payment gateway on your own private server.

💎 Why OwnPay?

Most payment platforms make you a tenant on their infrastructure — your data, your customers, and your money flow through a third party you don't control. OwnPay flips that. You run it on your own server, own every record, and answer to no middleman.

Your payment gateway. Your server. Your data. Your rules — forever.

✨ Features

⚡ How It Works

flowchart LR
    M["🏪 Merchant / Store"] -->|Create payment| O["⚙️ OwnPay Core"]
    O -->|White-label checkout| C["👤 Customer"]
    C -->|Pays via| G["💳 Gateway / MFS"]
    G -->|Callback + webhook| O
    O -->|Verified result + ledger entry| M

OwnPay sits on your server between your store and the world's payment providers. It renders a branded checkout, routes the payment through the gateway the customer chose, verifies the result (checksum + signature + webhook), books a double-entry ledger record, and notifies your store — all without a third party ever touching your data.

Want the deep dive? Read the Architecture Guide →

🚀 Deploy to Your Server

OwnPay ships as a self-contained release archive — the same zip works on shared hosting, a VPS, or a dedicated server, and doubles as the installer. No build step required.

Requirements: PHP 8.3+ (bcmath, json, mbstring, openssl, pdo_mysql, curl) · MySQL 8 / MariaDB 10.4+ · HTTPS strongly recommended.

# 1. Get the release (or git clone for source installs)
cd /var/www
curl -L -o ownpay.zip https://github.com/own-pay/OwnPay/releases/latest/download/ownpay.zip
unzip ownpay.zip -d ownpay && cd ownpay

# 2. (Source installs only — release zips already bundle vendor/)
# composer install --no-dev --optimize-autoloader

# 3. Make runtime dirs writable by the web server
chown -R www-data:www-data storage public/assets/uploads

🧑‍💻 Run Locally / Contribute

Testing OwnPay or contributing? Get a local instance running in ~2 minutes on Windows, macOS, or Linux:

git clone https://github.com/own-pay/OwnPay.git
cd OwnPay
composer install
mysql -u root -p -e "CREATE DATABASE ownpay CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_ci;"
php -S localhost:8000 -t public      # then open http://localhost:8000 → /install wizard

🛠️ Full local guide (Laragon · Herd · native · tunnels · troubleshooting): docs/LOCAL_SETUP.md 🤝 Ready to contribute? Start with CONTRIBUTING.md — coding standards, workflow & PR process.

Run the same checks CI does before opening a PR:

composer test       # PHPUnit
composer analyse    # PHPStan (level 9)
composer lint       # Twig + JS + CSS

🏗️ Tech Stack

📚 Documentation & Ecosystem

In this repository: Architecture · Local Setup · Translations · Contributing · Roadmap · Security · Support · Governance · Code of Conduct

❓ FAQ

🗺️ Roadmap

OwnPay is shipping toward a stable 1.0. Highlights on the horizon: a public live demo, an expanded plugin marketplace, mobile companion app GA, and deeper deployment tooling.

➡️ See the full ROADMAP.md for what's planned, in progress, and shipped.

### Elite Sponsor
### Platinum Sponsors
### Community Sponsors                 
_{Want your logo here? Become a Sponsor}

👥 Contributors

### Core Team & Key Roles | Contributor | Role | Profile / Website | | :--- | :--- | :--- | | **Fattain Naime** | Lead Developer & Maintainer | [iamnaime.info.bd](https://iamnaime.info.bd) | | **Tahira Akter Hira** | Logo & Brand Design | [LinkedIn](https://www.linkedin.com/in/tahera-akter-180223259) | | **M Azmain Israq** | UI/UX Designer | [azmain.pp.ua](https://azmain.pp.ua) | | **Hamidullah Ismail** | Features and Reviewer | [Facebook](https://www.facebook.com/hamidulla.me) | ### Code Contributors

_{Contributions of every kind are welcome — see CONTRIBUTING.md.}

💬 Community & Support

📈 Star History

> **⭐ Star OwnPay to follow the road to 1.0 — and be notified of every release.**

🛡️ Security

Security is foundational to OwnPay. If you discover a vulnerability, please do not open a public issue.

Report it privately to security@ownpay.org — full policy in SECURITY.md. We're grateful to everyone who helps keep the community safe.

⚖️ License

OwnPay is distributed under the GNU Affero General Public License v3.0 (AGPL-3.0). The core platform is, and will always remain, free and open source.