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Head-to-head · Buy Now, Pay Later Platforms

Zip vs Oney

  • Updated Oct 2026
  • Both researched from official sources
  • 2 checks side by side
Higher score Zip #4 in Buy Now, Pay Later Platforms 9.1/10 Free plan Free plan✓ 1 of 1 features Visit Zip
Oney #5 in Buy Now, Pay Later Platforms 9.0/10 Free plan · pricing on request Free plan✓ 1 of 1 features Visit Oney

Zip leads on 0 checks, Oney on 0, and 2 are even. Who comes out ahead on the 2 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreZip · 9.1/10
  • Free planboth

Zip scores higher on our rubric for buy now, pay later platforms: 9.1 against 9.0 out of 10; our editors rank them #4 and #5.

Zip is the better fit for US, Australian, and NZ merchants. Oney is the better fit for established European merchants.

  • Zip fits best

    US, Australian, and NZ merchants

  • Oney fits best

    Established European merchants

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Side by side

Feature Zip 9.1/10 Visit ↗ Oney 9.0/10 Visit ↗
At a glance
Editor score 9.1 9.0
Ranking #4 in Buy Now, Pay Later Platforms #5 in Buy Now, Pay Later Platforms
Best for US, Australian, and NZ merchants Established European merchants
Pricing model Free plan + paid Free plan + paid
Starting price — Free plan · pricing on request
Free plan ✓ ✓
Free trial — —
Deployment Cloud, Mobile Cloud
Platforms Web, iOS, Android Web
Integrations 5 integrations 6 integrations
Features Zip 1/1 · Oney 1/1
Merchant dashboard ✓ ✓
Specs
Checkout channels Omnichannel Omnichannel
Repayment terms 2 payments; 4 biweekly payments; 8 payments; Australia: weekly, fortnightly, or monthly schedules; up to 5 years interest-free terms 3, 4, 6, 10, and 12 installments; financing up to 60 months
Merchant platforms BigCommerce; Magento 2; Salesforce; Shopify; WooCommerce PrestaShop, Magento 2, Salesforce
Merchant settlement Scheduled Not checked yet
Consumer regions United States; Australia; New Zealand France, Italy, Portugal, Spain, Romania, Belgium, Netherlands, Germany
Our review
Pros
  • Online, in-store, and in-app checkout support
  • Reporting, refunds, payouts, and dispute management
  • Plugins, SDK access, APIs, and scheduled settlement
  • 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
  • Transactional pricing starts at 5.9% + 30¢ per transaction
  • Custom solutions are aimed at enterprise businesses
  • Consumer availability centers on the US, Australia, and New Zealand
  • 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

Zip provides buy now, pay later payment services for merchants and consumers across online, in-store, and in-app checkout. Its merchant offering suits businesses in the United States, Australia, and New Zealand that need installment…

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 →
  1. ZipBuy Now, Pay Later Platforms 9.1Free plan
  2. OneyBuy Now, Pay Later Platforms 9.0Free plan · pricing on request

Strengths and trade-offs

  • Zip — where it wins

    • Online, in-store, and in-app checkout support
    • Reporting, refunds, payouts, and dispute management
    • Plugins, SDK access, APIs, and scheduled settlement

    Where it doesn't

    • Transactional pricing starts at 5.9% + 30¢ per transaction
    • Custom solutions are aimed at enterprise businesses
    • Consumer availability centers on the US, Australia, and New Zealand

  • 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
  • Zip9.1/10 · Free plan

    An omnichannel BNPL platform for merchants needing flexible repayments and settlement tools.

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

    A European BNPL provider for merchants needing omnichannel financing options.

    Visit OneyFull verdict →

More comparisons

All buy now, pay later platforms comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update