Affirm vs Oney

Affirm9.3Visit Oney9.0Visit

Higher score Affirm #2 in Buy Now, Pay Later Platforms 9.3/10 Pricing on request Free plan✓ 1 of 1 features Visit Affirm

vs

Oney #5 in Buy Now, Pay Later Platforms 9.0/10 Free plan · pricing on request Free plan✓ 1 of 1 features Visit Oney

• Affirm fits best

  Merchants needing flexible financing

• Oney fits best

  Established European merchants

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Side by side

Feature	Affirm 9.3/10 Visit ↗	Oney 9.0/10 Visit ↗
At a glance
Editor score	9.3	9.0
Ranking	#2 in Buy Now, Pay Later Platforms	#5 in Buy Now, Pay Later Platforms
Best for	Merchants needing flexible financing	Established European merchants
Pricing model	Paid	Free plan + paid
Starting price	Pricing on request	Free plan · pricing on request
Free plan	✓	✓
Free trial	—	—
Deployment	Cloud, Mobile, Browser extension	Cloud
Platforms	Web, iOS, Android, Chrome extension	Web
Integrations	15 integrations	6 integrations
Features Affirm 1/1 · Oney 1/1
Merchant dashboard	✓	✓
Specs
Checkout channels	Omnichannel	Omnichannel
Repayment terms	4 interest-free payments every 2 weeks; installments from 6 weeks to 36 months; monthly or biweekly payments	3, 4, 6, 10, and 12 installments; financing up to 60 months
Merchant platforms	Adobe Commerce, BigCommerce, Salesforce Commerce Cloud, SAP Commerce, Shopify, Wix, WooCommerce, Acadaca, Lightspeed Ecommerce, Miva, OpenCart, Oracle Commerce, Shift4Shop, VTEX, Volusion	PrestaShop, Magento 2, Salesforce
Merchant settlement	Not checked yet	Not checked yet
Consumer regions	United States, Canada, United Kingdom	France, Italy, Portugal, Spain, Romania, Belgium, Netherlands, Germany
Our review
Pros	Pay in 4 plus installment terms extending up to 36 months Omnichannel support spans online checkout, stores, telesales, and APIs Integrates with 15 listed ecommerce platforms and includes a merchant portal	Supports installment, deferred payment, and financing terms up to 60 months Connects web, mobile, and in-store payment journeys Includes fraud, non-payment protection, reporting, and reconciliation
Cons	Merchant pricing is customized and requires contacting sales Settlement timing varies by integration and payment method Consumer coverage is limited to the United States, Canada, and United Kingdom	Merchant pricing uses a contact-sales model Platform integrations focus on PrestaShop, Magento 2, and Salesforce Availability and terms vary by market and partnership
Our verdict	Affirm is a buy now, pay later platform for merchants and consumers. It supports Pay in 4 interest-free payments every two weeks, as well as installment financing with terms from 6 weeks to 36 months. Merchants can offer payment options… Read the review →	Oney is a European bank and merchant-financing provider for businesses that want to offer buy now, pay later, installment, deferred, and longer-term financing options. Its payment journeys cover web, mobile, and in-store channels, making… Read the review →

Strengths and trade-offs

• Affirm — where it wins

  • Pay in 4 plus installment terms extending up to 36 months
  • Omnichannel support spans online checkout, stores, telesales, and APIs
  • Integrates with 15 listed ecommerce platforms and includes a merchant portal

  Where it doesn't

  • Merchant pricing is customized and requires contacting sales
  • Settlement timing varies by integration and payment method
  • Consumer coverage is limited to the United States, Canada, and United Kingdom

• Oney — where it wins

  • Supports installment, deferred payment, and financing terms up to 60 months
  • Connects web, mobile, and in-store payment journeys
  • Includes fraud, non-payment protection, reporting, and reconciliation

  Where it doesn't

  • Merchant pricing uses a contact-sales model
  • Platform integrations focus on PrestaShop, Magento 2, and Salesforce
  • Availability and terms vary by market and partnership

• Affirm9.3/10 · Pricing on request

  A flexible BNPL option for merchants needing online, in-store, and longer-term financing.

  Visit AffirmFull verdict →
• Oney9.0/10 · Free plan · pricing on request

  A European BNPL provider for merchants needing omnichannel financing options.

  Visit OneyFull verdict →