Oney vs Splitit

Oney9.0Visit Splitit8.9Visit

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

vs

Splitit #6 in Buy Now, Pay Later Platforms 8.9/10 Pricing on request ✓ 1 of 1 features Visit Splitit

• Oney fits best

  Established European merchants

• Splitit fits best

  White-label card-linked installments

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Side by side

Feature	Oney 9.0/10 Visit ↗	Splitit 8.9/10 Visit ↗
At a glance
Editor score	9.0	8.9
Ranking	#5 in Buy Now, Pay Later Platforms	#6 in Buy Now, Pay Later Platforms
Best for	Established European merchants	White-label card-linked installments
Pricing model	Free plan + paid	Paid
Starting price	Free plan · pricing on request	—
Free plan	✓ (best)	Not checked yet
Free trial	—	—
Deployment	Cloud	Cloud
Platforms	Web	Web
Integrations	6 integrations	7 integrations
Features Oney 1/1 · Splitit 1/1
Merchant dashboard	✓	✓
Specs
Checkout channels	Omnichannel	Omnichannel
Repayment terms	3, 4, 6, 10, and 12 installments; financing up to 60 months	monthly; biweekly; partial installments; pay after delivery; up to 12 installments
Merchant platforms	PrestaShop, Magento 2, Salesforce	BigCommerce; Magento; Salesforce Commerce Cloud; Shopify; Wix; WooCommerce; SAP Commerce Cloud
Merchant settlement	Not checked yet	Next day
Consumer regions	France, Italy, Portugal, Spain, Romania, Belgium, Netherlands, Germany	100+ countries
Our review
Pros	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	Uses shoppers’ existing credit cards for installment plans Supports online, in-store, phone, and payment-link checkout Offers white-label checkout and next-day merchant settlement
Cons	Merchant pricing uses a contact-sales model Platform integrations focus on PrestaShop, Magento 2, and Salesforce Availability and terms vary by market and partnership	Requires consumers to have a credit card Plan pricing requires a sales contact Core merchant settlement timing may differ
Our verdict	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 →	Splitit is a buy now, pay later platform for merchants that want to offer installments through shoppers’ existing credit cards. It supports monthly and biweekly schedules, partial-payment plans with a larger upfront payment, and… Read the review →

Strengths and trade-offs

• 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

• Splitit — where it wins

  • Uses shoppers’ existing credit cards for installment plans
  • Supports online, in-store, phone, and payment-link checkout
  • Offers white-label checkout and next-day merchant settlement

  Where it doesn't

  • Requires consumers to have a credit card
  • Plan pricing requires a sales contact
  • Core merchant settlement timing may differ

• Oney9.0/10 · Free plan · pricing on request

  A European BNPL provider for merchants needing omnichannel financing options.

  Visit OneyFull verdict →
• Splitit8.9/10 · Pricing on request

  A flexible BNPL platform for branded, card-linked installments across sales channels.

  Visit SplititFull verdict →