Oney
Oney Bank lists its registered office at 34 avenue de Flandre, 59170 Croix, France.
What it is
Oney provides retailers with payment, consumer credit, insurance, and fraud-prevention services, alongside payment options for their customers. Its merchant offering includes Paylater, deferred payments, card payments in 3, 4, 6, 10, or 12 installments, and financing for up to 60 months. Oney supports sales through marketplaces, websites and mobile, click and collect, physical stores, remote payment, and C2C. Merchants can connect through its API or through payment service provider, content management system, and software-provider partners. Its CMS documentation covers PrestaShop, Magento 2, and Salesforce, and Oney lists a merchant dashboard. 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. Oney lists partner support six days a week, with email replies by the next day. The company was created in France in 1983 and is headquartered in Croix. Pricing is freemium, with a free plan and pricing on request.
For and against
For
- Payment options include up to 12 installments.
- Supports online, store, remote, and C2C sales.
- API and partner integrations are available.
- Merchant funds are paid within 48 hours, subject to exceptions.
- Free plan; merchant pricing is on request.
Against
- Three-installment customer fees can reach €30.
- Four-installment customer fees can reach €60.
- CMS documentation covers three listed platforms.
The verdict
Oney combines installment payments and longer-term financing with integrations for retailers across multiple sales channels. Merchants should review the applicable partner procedures and customer fees for installment options.
Who it suits
Oney is aimed at retailers seeking payment and credit options across online, in-store, and other sales channels. Its options may also suit customers looking to split card payments into installments.
On the record
- 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 · read 5 Oct 2026
- Business
- Oney provides payment, credit, insurance, and fraud prevention solutions for retailers and their customers.oney.com · read 5 Oct 2026
- Company history
- Oney says the group was created in France in 1983 by Gérard Mulliez.oney.com · read 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 · read 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 · read 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 · read 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 · read 5 Oct 2026
- Integration
- Merchants can integrate Oney through its API or through PSP, CMS, and software-provider partners.partners.oney.com · read 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 · read 5 Oct 2026
- Merchant fit
- Oney presents its solutions for retailers across sectors including home, health, technology, sport, mobility, and travel.partners.oney.com · read 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 · read 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 · read 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 · read 5 Oct 2026
- Named integrations
- The solutions page lists ACI, Adyen, Amadeus, Banque Populaire and Bee2link among its integration partners.partners.oney.com · read 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 · read 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 · read 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 · read 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 · read 5 Oct 2026
