GoCardless vs OwnPay
GoCardless and OwnPay are both self-hosted payment gateway software. GoCardless is a commercial product from GoCardless. OwnPay is open source under AGPL-3.0, with 204 GitHub stars.
Which to pick
- Pick GoCardless when
- You collect regular invoices or subscriptions and want lower fees and fewer failures than cards.
- Pick OwnPay when
- You want to test a self-hosted gateway layer over local payment methods and can audit it.
Side by side
Collects recurring and one-off payments by bank debit and open-banking pay-by-bank across the UK, Europe, Australia, New Zealand and North America.
A self-hosted payment gateway panel for managing brands, payment gateways and transactions on your own server.
Bank debit settles slowly and customers must authorise a mandate, which adds signup friction.
Created in April 2026 and still at version 0.2; handling payments on a young codebase is risky.
Production-ready
Experimental
Cloud service
Self-hosted server
Not published
PHP and Twig
Closed source, sold by GoCardless
Open source, AGPL-3.0 (network copyleft)
Closed source: you use it under the maker's terms and cannot change or resell the code.
Use inside your business is unrestricted. If you change it and let customers use it over the internet, you must publish your changes.
406 Wikipedia readers a month on phones
204 GitHub stars
Not known
Young: started 6 months ago, latest release v0.2.0.
Other comparisons
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Both sides were judged on 2026-11-03 from makers' descriptions, Wikipedia, READMEs and GitHub data. License, age and popularity lines are worked out directly.