Ownr.com's payment integration approach

Ownr.com is a Canadian point-of-sale and business management platform that connects to payment processors rather than handling payments directly itself. The platform integrates with Stripe and Square — two major payment processors that handle the actual transaction processing, fraud detection, and fund settlement. When you process a card payment through Ownr.com, the transaction routes through one of these processors to the customer's bank and then to your merchant account.

This architecture matters because it means Ownr.com's role is to display the payment form and send transaction data to the processor, not to store card information or manage the payment flow itself. The processor handles the technical work of moving money. This separation is standard for most point-of-sale systems and reduces the compliance burden on Ownr.com itself.

Key Takeaways

  • Ownr.com integrates with Stripe and Square, which are the processors that actually move money and handle fraud detection.
  • You choose which processor to connect during setup, and that choice affects your transaction fees, settlement speed, and which payment methods are available.
  • Both Stripe and Square support international card payments, but currency conversion and cross-border fees depend on your processor's settings and your merchant account type.
  • Ownr.com itself does not process payments or hold funds — the processor you choose handles all of that.

Which processors Ownr.com supports and what they offer

Ownr.com's primary integration is with Stripe, which is available to Canadian merchants and supports payments from cards issued in most countries. Stripe handles currency conversion for international transactions, though the exchange rate and conversion fee depend on your Stripe account settings and your merchant agreement. Stripe also supports digital wallets like Apple Pay and Google Pay, which can increase conversion rates for online checkout.

Square is the secondary option for Ownr.com users in Canada. Square's international payment capabilities are more limited than Stripe's — it supports card payments from most countries but has fewer options for multi-currency pricing and settlement. Square's strength is in physical card readers and in-person transactions, so if you are primarily selling in-store, Square may be simpler to set up.

The processor you choose affects what you pay per transaction, how fast you receive funds, and which payment methods your customers can use. Stripe typically charges 2.9% plus a fixed fee per transaction for card payments, while Square charges a flat rate. Both offer different rates for in-person versus online transactions. You should compare their current rates and settlement schedules before connecting to Ownr.com.

How international payments work through Ownr.com

When a customer outside Canada pays through Ownr.com, the transaction still routes through your chosen processor — either Stripe or Square. If the customer's card is issued in a different country, the processor converts the transaction to your merchant account currency (usually Canadian dollars) and deposits the funds to your bank account. The exchange rate used is set by the processor, not by Ownr.com, and may include a markup above the mid-market rate.

For Stripe, you can set your prices in multiple currencies if you want to show prices in the customer's local currency. This requires enabling multi-currency pricing in your Stripe dashboard. Square's multi-currency support is more limited and depends on your account type. Either way, the processor handles the actual conversion and charges a conversion fee on top of your standard transaction fee.

Settlement timing for international transactions is typically the same as domestic transactions — usually two to three business days for Stripe and one to two days for Square — but this can vary depending on your bank and the processor's current queue. Some international transactions may take longer if the processor's fraud system flags them for review.

Payment methods available through Ownr.com integrations

Through Stripe, Ownr.com customers can accept Visa, Mastercard, American Express, Discover, and Diners Club cards. Stripe also supports digital wallets (Apple Pay, Google Pay), bank transfers in some regions, and iDEAL for European customers. Through Square, the card options are the same, but digital wallet and alternative payment method support is narrower.

Neither Stripe nor Square integrates with Ownr.com to support PayPal directly through the platform's checkout. If you want to offer PayPal as a payment option, you would typically need to set that up separately or use a third-party integration tool. The same applies to other alternative payment methods like Klarna or Afterpay — they are not built into Ownr.com's standard integrations.

Setting up and switching processors with Ownr.com

When you first set up Ownr.com, you choose whether to connect Stripe or Square during the onboarding process. The setup involves creating an account with your chosen processor, providing business information and banking details, and then authorizing Ownr.com to access that processor's API. Stripe's setup typically takes a few hours to a day, while Square can be faster if you already have a Square account.

Switching from one processor to another is possible but requires some manual work. You would need to disconnect the old processor from Ownr.com, set up a new account with the new processor, and then reconnect through Ownr.com. Your transaction history with the old processor remains in that processor's dashboard, but Ownr.com will only show new transactions from the new processor going forward. You should plan this switch during a slow period and notify your team about the change.

Fees and costs you should understand

Ownr.com itself charges a monthly subscription fee for its point-of-sale and business management features — this is separate from payment processing fees. On top of that, your processor (Stripe or Square) charges per-transaction fees, and those fees vary by payment method and whether the transaction is in-person or online.

For international transactions, expect an additional currency conversion fee from your processor, usually 1% to 3% on top of the standard transaction fee. Some processors also charge a small fee for transactions that are flagged and reviewed by their fraud system. You should review your processor's pricing page and your merchant agreement to understand exactly what you are paying for each type of transaction.

Ownr.com does not add a markup to processor fees — the fees you see in your Stripe or Square dashboard are what you pay. However, you should confirm this with Ownr.com support before signing up, as pricing can vary by plan or region.

Troubleshooting common integration issues

If payments are not going through in Ownr.com, the first step is to check your processor's dashboard (Stripe or Square) to see if the transaction appears there. If it does, the issue is likely in Ownr.com's display or reporting. If it does not appear in the processor's dashboard, the problem is in the connection between Ownr.com and the processor — usually a missing API key or an expired authorization.

For international transactions that are being declined, check your processor's fraud settings. Stripe and Square both have rules that can block transactions from certain countries or with certain card types. You can adjust these rules in your processor's dashboard, but be cautious about loosening fraud protection too much. If a specific country or card type is consistently blocked, contact your processor's support team to understand why.

If you are seeing different fees than expected, verify that you are looking at the correct transaction type in your processor's dashboard. In-person and online transactions often have different rates, and international transactions may have additional fees. Your processor's transaction detail page should break down exactly what was charged for each transaction.

Frequently Asked Questions

Can I use Ownr.com without connecting to Stripe or Square?

No. Ownr.com requires a connection to either Stripe or Square to process card payments. You cannot use Ownr.com as a standalone payment processor. If neither Stripe nor Square meets your needs, you would need to consider a different point-of-sale platform.

Does Ownr.com support cryptocurrency or other alternative payment methods?

Ownr.com does not natively support cryptocurrency payments. Stripe and Square both have limited cryptocurrency support through third-party integrations, but these are not built into Ownr.com's standard checkout. You would need to set up a separate payment flow outside of Ownr.com if you want to accept crypto.

What happens to my transaction history if I switch from Stripe to Square?

Your old transactions remain in Stripe's dashboard and are not transferred to Square. Ownr.com will only show new transactions from Square going forward. You can still access your Stripe history by logging into Stripe directly, but you will need to manage reporting across two separate dashboards during the transition period.

Are there any countries where Ownr.com cannot process payments?

Ownr.com can process payments from most countries through Stripe or Square, but both processors have restrictions on certain high-risk countries and industries. If you are selling to customers in a country with sanctions or strict financial regulations, contact your processor to confirm they support transactions from that region.

How long does it take to receive money from international sales?

Settlement typically takes two to three business days for Stripe and one to two days for Square, regardless of whether the transaction is international. However, some international transactions may take longer if they are flagged for fraud review. Your processor's dashboard shows the expected settlement date for each transaction.