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Scheduled launch — Aug 17, 2026

OwnPay is listed on AI Kaptan and will enter the daily launch competition on that day. Community upvotes open on launch day.

OwnPay
Fintech
Free

OwnPay

Self-hosted, open-source payment gateway software featuring multi-brand custom-domain checkout, 120+ gateway integrations, and a double-entry ledger engine.

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Rating
0
Reviews
0
Upvotes
about 5 hours ago
Listed
Open Source
Fintech
Payments
Self-Hosted
Payment Gateway
Payment Automation
White-Label
PHP
Tool information
Provider
OwnPay
Platforms
Self-Hosted
Web
Linux
Languages
English
API Available
Yes
Added to directory
about 5 hours ago
Last updated
about 5 hours ago
Rating
Not available
Pricing
Free

About OwnPay

What the tool does and who it's for

OwnPay is an open-source organization building self-hosted payment infrastructure that gives developers, merchants, and businesses complete ownership of their financial stack. It pioneered a self-hosted white-label custom-domain checkout architecture, allowing a single server instance to manage multiple brands—each with its own domain, logo, and color scheme—so customers see your brand instead of third-party payment providers. Built on a dependency-minimal PHP core, OwnPay features a double-entry ledger engine, a sandboxed plugin ecosystem with over 120 gateway integrations, REST APIs, and high-standard security field encryption.

Key capabilities

White-label custom-domain checkout architecture allowing one server to host multiple distinct brands.
Over 120 payment gateway adapters and add-ons covering global cards, MFS, regional banks, and crypto.
Double-entry ledger engine using high-precision bcmath string arithmetic for exact financial calculations.
Sandboxed plugin system and WordPress-style domain hook engine for custom extensions without core forks.
Comprehensive REST API reference for merchant management, admin operations, and mobile integrations.
High security standards featuring AES-256-GCM field encryption, Argon2id passwords, and strict CSP controls.
Signed self-update engine built into a dependency-minimal PHP 8.3+ core.
Flutter-based mobile companion app support for device pairing, real-time transaction monitoring, and SMS verification.

Pricing

Free — plans below

Open Source

Most popular

Free

  • 100% free and open-source (AGPL-3.0)
  • Self-hosted infrastructure
  • Unlimited custom-domain brands
  • Access to plugin directory and REST APIs
  • Full data ownership with zero recurring SaaS fees

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