Oney
Oney provides payment, credit, insurance, and fraud-prevention solutions for retailers and their customers.
What Oney is
Oney provides payment, credit, insurance, and fraud-prevention solutions for retailers and their customers. Its merchant payment options include Paylater, deferred payment, card payments split into up to 12 installments, and financing for as long as 60 months. Oney supports marketplaces, web and mobile sales, click and collect, stores, remote payment, and C2C. Merchants can integrate through Oney's API or through PSP, CMS, and software-provider partners; listed merchant platforms include PrestaShop, Magento 2, and Salesforce. Oney says merchant funds are paid within 48 hours and that it covers all unpaid-payment and fraud risk, subject to stated exceptions. Customer fees are capped at €30 for three installments and €60 for four. Its payment API documentation lists methods for France, Portugal, Spain, Italy, Romania, Belgium, and the Netherlands. Oney is based in Croix, France, and says it was created in France in 1983. It lists partner support six days a week and email replies by the next day.
Good
- Supports payments split into up to 12 installments.
- Offers financing up to 60 months.
- Integrates through an API or platform partners.
- Supports omnichannel sales formats.
Watch out
- Pricing is available on request.
- Customer fees apply to three- and four-installment options.
- API payment-method documentation covers a listed set of countries.
Who it suits
Oney suits retailers seeking payment and financing options across online, in-store, and other sales channels. Its API and partner integrations may fit merchants using the listed platforms.
Verdict
Oney offers retailers payment, installment, financing, and related services across multiple sales channels. Merchants should review country availability, customer fees, and the stated exceptions to risk coverage.
The facts
Each one read from Oney's own pages, with the date it was checked.
What it does
- 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.checked 5 Oct 2026
- Business
- Oney provides payment, credit, insurance, and fraud prevention solutions for retailers and their customers.checked 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.checked 5 Oct 2026
- Customer support
- Oney’s merchant FAQ includes support topics covering integration, solutions, security in case of payment default and pricing.checked 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.checked 5 Oct 2026
- Geography
- Oney's payment API documentation lists payment methods by country for France, Portugal, Spain, Italy, Romania, Belgium, and the Netherlands.checked 5 Oct 2026
- Integration
- Merchants can integrate Oney through its API or through PSP, CMS, and software-provider partners.checked 5 Oct 2026
- Integrations
- Merchants can integrate through Oney’s API or payment service provider, content management system and software provider partners.checked 5 Oct 2026
- Merchant fit
- Oney presents its solutions for retailers across sectors including home, health, technology, sport, mobility, and travel.checked 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.checked 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.checked 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.checked 5 Oct 2026
- Named integrations
- The solutions page lists ACI, Adyen, Amadeus, Banque Populaire and Bee2link among its integration partners.checked 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.checked 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.checked 5 Oct 2026
- Security
- Oney states that it is PCI DSS certified and describes the standard as covering more than 420 payment-related requirements.checked 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.checked 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.checked 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.checked 5 Oct 2026
- What Oney does
- Oney provides payment, consumer credit, insurance and fraud prevention solutions for merchants and their customers.checked 5 Oct 2026
The company
- Company history
- Oney says the group was created in France in 1983 by Gérard Mulliez.checked 5 Oct 2026
- Founded
- Oney says its group was created in France in 1983 by Gérard Mulliez, founder of Auchan.checked 5 Oct 2026
- Headquarters
- Oney Bank lists its registered office at 34 avenue de Flandre, 59170 Croix, France.checked 5 Oct 2026
Where it runs
- 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.checked 5 Oct 2026
