Oney
Oney: A European BNPL provider for merchants needing omnichannel financing options. Ranked #5 of 26 in Buy Now, Pay Later Platforms by our editors (9.0/10); pricing: Free plan · pricing on request; best for established European merchants.
At a glance
- Editor score9.0 / 10
- PricingFree plan · pricing on request
- Best forEstablished European merchants
- Free planYes
- Checkout channelsOmnichannel
- Founded1983 · Croix, France
- Facts checked19 Sep 2026
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
Our verdict on Oney
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 it relevant to established European merchants with multiple customer touchpoints. The documented consumer-financing markets include France, Italy, Portugal, Spain, Romania, Belgium, the Netherlands, and Germany, with availability and terms varying by market and partnership.
The main commercial strength is breadth within repayment options. Merchants can offer 3- or 4-installment card payments, as well as 6-, 10-, and 12-installment terms and financing of up to 60 months. Oney also provides fraud and non-payment protection, financial reporting, reconciliation, online merchant reporting, and performance tracking. The pricing model is contact sales, with a free merchant option shown in the published plans and commercial terms dependent on the partnership. Merchants should expect to discuss the applicable arrangement directly rather than select a standardized public subscription tier.
Oney’s integration fit is practical but concentrated. Payment API access supports custom connections, while documented integrations include PrestaShop, Magento 2, Salesforce, Adyen, Amadeus, and Banque Populaire. Merchant support and integration assistance are included in the offering. This makes Oney a reasonable choice for European businesses aligned with its supported platforms and markets, particularly when longer financing terms or in-store continuity matter. Merchants seeking a wider platform ecosystem or a more standardized self-serve buying process should consider alternatives with broader integrations or publicly structured plans.
Your product? Our editors can test Oney in depth and publish a review, labelled as paid · from $99/mo →
Oney pricing
Oney fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Not verified |
| Checkout channels | Omnichannel |
| Repayment terms | 3, 4, 6, 10, and 12 installments; financing up to 60 months |
| Merchant platforms | PrestaShop, Magento 2, Salesforce |
| Merchant settlement | Not verified |
| Consumer regions | France, Italy, Portugal, Spain, Romania, Belgium, Netherlands, Germany |
| Merchant dashboard | Yes |
| Deployment | Cloud |
| Platforms | Web |
| Integrations | 6 integrations: PrestaShop, Magento 2, Salesforce, Adyen, Amadeus, Banque Populaire |
| Pricing | Free plan · pricing on request |
| Website | oney.com |
| Facts checked | 19 Sep 2026 |
Oney integrations
Oney lists 6 integrations on its own site.
- PrestaShop
- Magento 2
- Salesforce
- Adyen
- Amadeus
- Banque Populaire
Alternatives to Oney
- KlarnaA broad omnichannel BNPL option with contract-based pricing and country-dependent availability.9.4
- AffirmA flexible BNPL option for merchants needing online, in-store, and longer-term financing.9.3
- AfterpayAn omnichannel BNPL platform with flexible repayment terms and merchant reporting.9.2
Oney vs the competition
Compare Oney with any tool side by side →
Used Oney? Be the first to review it
The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used Oney for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.
Write a reviewTwo minutes · verified accounts only · read by an editor before it appears
Featured on iTechGuides
Oney is listed in our Buy Now, Pay Later Platforms directory. Add the badge to your site — it links back to this page.
<a href="https://www.itechguides.com/products/oney/"><img src="https://www.itechguides.com/best/badge/oney.svg" alt="Featured on iTechGuides" width="230" height="46"></a>
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
Last updated · How we research and update