Welcome to OwnPay

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Welcome to Own Pay API Documentation

Explore the endpoints, payload structures, and authentication mechanisms of the Own Pay ecosystem. Note: This interactive documentation is connected to our Demo Server for testing purposes. For actual merchant deployment, please refer to our self-hosted guides.

API Reference
Explore all REST endpoints and test them live\

Core API Mechanisms

Offline-First Sync Engine

How pending SMS payloads are queued and synced

Real-Time Events

Implementation of 10s short-polling and WebSockets

Device Fingerprinting

API request validation via Android ID & App Hash

Architecture & Security

Data Sovereignty

Zero third-party APIs and local SMS filtering policies

AES-256 Encryption

How local payloads are encrypted before transit

Webhooks

Listen to successful invoice payments and status changes

Error Codes

Understand standard HTTP response codes and fail states

Rate Limits

Understand API limits on the Demo Server

Postman Collection

Download the raw JSON for offline API testing