Side by side
Oney vs Zip
Both stand on buy now, pay later platforms. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free plan AndroidAPIiPhone+1
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.
Visit Oney
Free plan AndroidAPIExtension+2
Zip offers merchants multiple checkout channels and integration routes, alongside an app with scheduled installments for customers. Review the US purchase restriction and transaction-by-transaction approval before relying on it for shoppers.
Visit ZipThe facts
| Oney | Zip | |
|---|---|---|
| Free plan | Yes | Yes |
| Open source | Not published | Not published |
| Runs on | Android, API, iPhone, Web | Android, API, Extension, iPhone, Web |
| Lowest paid plan | Not published | See the plans |
| Plans published | None | 2 |
| Maker | Not published | Not published |
| Website | oney.com | zip.co |
| On buy now, pay later platforms | #10 of 26 | #14 of 26 |
Oney: 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.
Zip: what it does well
- Accepts payments online, in-store and in-app.
- Merchants receive payment upfront.
- Integrations include Shopify and WooCommerce options.
- Standard includes reporting and analytics.
- Custom offers 24/7 support and SLA options.
What to know first
- Purchases are limited to the US.
- Each transaction requires separate approval.
- Standard support is weekdays, 9 a.m. to 5 p.m.
- Standard costs $5.93, paid once.