Freedom251 › Buy Now, Pay Later Platforms

Oney

Free plan AndroidAPIiPhoneWeb

What Oney is

Oney provides payment, consumer credit, insurance, and fraud-prevention solutions for retailers and their customers. Its merchant options include Paylater, deferred payment, card payments in 3, 4, 6, 10, or 12 installments, and financing for up to 60 months. Oney supports sales through marketplaces, web and mobile, click and collect, stores, remote payment, and C2C. Merchants can connect through its API or via payment service provider, content management system, and software-provider partners; listed platforms include PrestaShop, Magento 2, and Salesforce. Oney says it pays merchant funds within 48 hours and covers fraud and non-payment risk, subject to partner-procedure exceptions. Customer fees are capped at €30 for three installments and €60 for four. A merchant dashboard is listed, as is partner support six days a week; email replies are expected by the next day. Oney was created in France in 1983 and is headquartered in Croix. Its API documentation lists payment methods in several European markets.

Who it suits

Oney suits retailers seeking payment, credit, insurance, or fraud-prevention options across online, in-store, and other listed sales channels. It may also suit merchants using its API or supported integration partners.

What it does well

Supports card payments in up to 12 installments.
Financing is available for up to 60 months.
Integrates through API and listed technology partners.
Merchant funds paid within 48 hours, subject to exceptions.
Free plan listed; merchant pricing available on request.

What to know first

Three-installment customer fees can reach €30.
Four-installment customer fees can reach €60.
CMS documentation warns about modified cores, themes, or modules.

Getting started

Visit https://www.oney.com/.
Contact Oney to discuss merchant pricing and solutions.
Choose an integration route through the API or a PSP, CMS, or software provider partner.
Consult partner documentation for integration.
Use Oney’s documented CMS options, including PrestaShop, Magento 2, or Salesforce.

Verdict

Oney combines payment options with credit, insurance, and fraud-prevention solutions for retailers. Merchants should review customer fees, partner procedures, and CMS compatibility before choosing an integration.

Questions

Does Oney have a free plan?

Yes. Oney lists a free plan, with pricing on request for its merchant offering.

What payment terms can merchants offer?

Oney lists card payments in 3, 4, 6, 10, and 12 installments, plus financing up to 60 months.

What does Oney charge customers for installment payments?

Fees for three installments are capped at €30, and fees for four installments are capped at €60.

Which platforms can merchants use to integrate Oney?

Oney’s CMS documentation covers PrestaShop, Magento 2, and Salesforce. Merchants can also connect through its API or partner providers.

Where are Oney’s documented payment methods available?

Its payment API documentation lists France, Portugal, Spain, Italy, Romania, Belgium, and the Netherlands.

What support does Oney offer to partners?

Oney lists partner support six days a week, with weekday hours of 8:30 to 21:00 and Saturday hours of 9:30 to 19:00. It says email replies arrive by the next day.

Facts from Oney's own pages

3x/4x payments: The 3x/4x card payment is described as a digital solution available to merchant partners in France, Portugal, Romania, Spain, Italy, Belgium and the Netherlands. · partners.oney.com, 5 Oct 2026
Business: Oney provides payment, credit, insurance, and fraud prevention solutions for retailers and their customers. · oney.com, 5 Oct 2026
Company history: Oney says the group was created in France in 1983 by Gérard Mulliez. · oney.com, 5 Oct 2026
Customer fees: The 3-installment option has customer fees capped at €30, and the 4-installment option has fees capped at €60. · partners.oney.com, 5 Oct 2026
Customer support: Oney’s merchant FAQ includes support topics covering integration, solutions, security in case of payment default and pricing. · partners.oney.com, 5 Oct 2026
Data protection: Oney says it processes personal data in accordance with the GDPR and French data protection law, and applies a Privacy by Design approach. · oney.com, 5 Oct 2026
Founded: Oney says its group was created in France in 1983 by Gérard Mulliez, founder of Auchan. · oney.com, 5 Oct 2026
Geography: Oney's payment API documentation lists payment methods by country for France, Portugal, Spain, Italy, Romania, Belgium, and the Netherlands. · docs.oney.com, 5 Oct 2026
Headquarters: Oney Bank lists its registered office at 34 avenue de Flandre, 59170 Croix, France. · oney.com, 5 Oct 2026
Integration: Merchants can integrate Oney through its API or through PSP, CMS, and software-provider partners. · partners.oney.com, 5 Oct 2026
Integrations: Merchants can integrate through Oney’s API or payment service provider, content management system and software provider partners. · partners.oney.com, 5 Oct 2026
Merchant fit: Oney presents its solutions for retailers across sectors including home, health, technology, sport, mobility, and travel. · partners.oney.com, 5 Oct 2026
Merchant payout and risk: Oney says merchant funds are paid within 48 hours and it covers fraud and non-payment risk, subject to the stated partner-procedure exceptions. · partners.oney.com, 5 Oct 2026
Merchant pricing: A 2021 Oney announcement describes its merchant pricing as competitive and without a subscription; the current merchant solution page directs prospects to contact Oney and gives no merchant price. · oney.com, 5 Oct 2026
Merchant settlement: Oney says merchant funds are paid within 48 hours and that it covers 100% of unpaid-payment and fraud risk, subject to stated exceptions. · partners.oney.com, 5 Oct 2026
Named integrations: The solutions page lists ACI, Adyen, Amadeus, Banque Populaire and Bee2link among its integration partners. · partners.oney.com, 5 Oct 2026
Payment options: Its merchant offering includes Paylater, deferred payment, card payments split into up to 12 installments, and financing up to 60 months. · partners.oney.com, 5 Oct 2026
Platforms and technical limits: Oney’s CMS documentation covers Prestashop, Magento 2 and Salesforce, and says it does not accept responsibility for incompatibilities involving modified CMS cores, themes or modules. · docs.oney.com, 5 Oct 2026
Sales channels: Oney lists marketplaces, web and mobile, click and collect, stores, remote payment, and C2C among the distribution formats it supports. · partners.oney.com, 5 Oct 2026
Security: Oney states that it is PCI DSS certified and describes the standard as covering more than 420 payment-related requirements. · partners.oney.com, 5 Oct 2026
Security and compliance: Oney describes its payment solutions as secure and says it covers fraud and non-payment risk; its merchant page says it ensures regulatory compliance as a BPCE subsidiary. · partners.oney.com, 5 Oct 2026
Support: Oney lists partner support 6 days a week from 8:30 to 21:00, and Saturdays from 9:30 to 19:00, with email replies by the next day. · partners.oney.com, 5 Oct 2026
Technical partners: Oney says its payment solutions are integrated with e-commerce platforms via PSP, CMS, and ISV partners, with partner documentation available for integration. · partners.oney.com, 5 Oct 2026
What Oney does: Oney provides payment, consumer credit, insurance and fraud prevention solutions for merchants and their customers. · oney.com, 5 Oct 2026

Where Oney stands on Freedom251

Buy Now, Pay Later Platforms#10 of 26