Afterpay vs Oney

Afterpay9.2Visit Oney9.0Visit

Higher score Afterpay #3 in Buy Now, Pay Later Platforms 9.2/10 Pricing on request Free plan✓ 1 of 1 features Visit Afterpay

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

• Afterpay fits best

  Five-market omnichannel retailers

• Oney fits best

  Established European merchants

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Side by side

Feature	Afterpay 9.2/10 Visit ↗	Oney 9.0/10 Visit ↗
At a glance
Editor score	9.2	9.0
Ranking	#3 in Buy Now, Pay Later Platforms	#5 in Buy Now, Pay Later Platforms
Best for	Five-market omnichannel retailers	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	Cloud
Platforms	Web, iOS, Android	Web
Integrations	4 integrations	6 integrations
Features Afterpay 1/1 · Oney 1/1
Merchant dashboard	✓	✓
Specs
Checkout channels	Omnichannel	Omnichannel
Repayment terms	Pay in 4 over 6 weeks; monthly payments over 3, 6, 12, or 24 months	3, 4, 6, 10, and 12 installments; financing up to 60 months
Merchant platforms	Square, Magento, Shopify, WooCommerce	PrestaShop, Magento 2, Salesforce
Merchant settlement	Scheduled	Not checked yet
Consumer regions	Australia, Canada, New Zealand, United Kingdom, United States	France, Italy, Portugal, Spain, Romania, Belgium, Netherlands, Germany
Our review
Pros	Pay in 4 plus 3-, 6-, 12-, and 24-month terms Online and in-store payments across five supported markets Business Hub includes disputes, integrations, plugins, and reports	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 requires contacting sales Verified integrations focus on four merchant platforms Eligibility and repayment terms vary by region	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	Afterpay is a buy now, pay later platform for merchants and consumers, supporting online checkout financing and in-store payments. Merchants can offer Pay in 4 over six weeks or longer monthly repayment options of 3, 6, 12, or 24 months in… 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

• Afterpay — where it wins

  • Pay in 4 plus 3-, 6-, 12-, and 24-month terms
  • Online and in-store payments across five supported markets
  • Business Hub includes disputes, integrations, plugins, and reports

  Where it doesn't

  • Merchant pricing requires contacting sales
  • Verified integrations focus on four merchant platforms
  • Eligibility and repayment terms vary by region

• 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

• Afterpay9.2/10 · Pricing on request

  An omnichannel BNPL platform with flexible repayment terms and merchant reporting.

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

  A European BNPL provider for merchants needing omnichannel financing options.

  Visit OneyFull verdict →