Oney 3x 4x
Oney 3x 4x is a BNPL solution offering customers installment payments split into three or four charges using their debit or credit card. Oney pays merchants upfront and assumes credit risk.
Oney 3x 4x is a BNPL solution offering customers installment payments split into three or four charges using their debit or credit card. Oney pays merchants upfront and assumes credit risk. Customers authenticate using secure card flows, ensuring compliance with EU SCA requirements. Merchants benefit from higher conversion and increased AOV, making Oney ideal for retail, electronics, travel, and lifestyle sectors across supported European markets.
payment methods
What Oney 3x 4x costs
Merchants do not pay Oney 3x 4x directly. Each payment provider that offers it sets its own rate, so compare a few and ask them to quote.
What the last check found
Oney 3x 4x is Oney Bank's interest-free split-card product: the shopper pays in 3 or 4 instalments on a Visa, Mastercard or Cartes Bancaires card, and the lender carries the credit risk. Oney Bank S.A. is a French bank in Lille (RCS Lille Metropole 546 380 197), owned 50.1% by Groupe BPCE and 49.9% by ELO (ex-Auchan Holding). It created French paiement fractionne in 2008 and calls itself the country's BNPL leader.
Two gateways document it and they disagree on footprint. Worldline lists nine countries — Belgium, France, Germany, Hungary, Italy, Poland, Portugal, Romania, Spain — and three currencies (EUR, HUF, RON), with paymentProductId 5110 for the pair, 5111 for Oney 3x and 5112 for Oney 4x. Adyen documents only France, Spain and Italy in EUR, under the legacy FacilyPay brand: txVariants facilypay_3x and facilypay_4x. Adyen also sells 6x/10x/12x, which are separate longer-term products; Worldline files those under a distinct "Oney financement long" page.
Both are redirect flows and both state full and partial refunds. Adyen explicitly marks recurring and chargebacks unsupported, permits separate and partial captures, and warns that authorisation expires if capture is later than six days. Worldline by contrast allows Direct Sale only (requiresApproval must be false) — a real integration difference, not a doc gap. Neither publishes live minimum or maximum amounts; Worldline tells merchants to agree limits with the provider. Onboarding is not self-serve on either: you sign a contract with Oney and hand the resulting MID to the gateway.
One documentation defect: Worldline's page calls this "an instalment solution offered by the French acquirer Thunes" and sends shoppers to a "Thunes portal", while its own onboarding steps say to sign with Oney and its paymentOption is "PROVIDED FOR YOUR MERCHANT ID BY ONEY". Treat the Thunes attribution as an error. Stripe, Airwallex, Antom, Mollie, Checkout.com, dLocal and Rapyd do not document Oney at all.
Checked again on 2026-10-21 and corrected: Branded product, not a category: Oney 3x/4x is Oney Bank's paiement fractionne split-card product. Identity settled and verified verbatim on oney.com: "Oney bank S.A au capital de 71 801 205 EUR", "RSC Lille Metropole 546 380 197", "BPCE (50,1%) et de ELO (ex-Auchan Holding a 49,9%)".
Checked against Oney 3x 4x’s own documentation on 21 October 2026. Coverage changes; confirm anything you are about to build on.
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Sources · 8
- Oney 3x-4x — Worldline Direct documentation · docs.direct.worldline-solutions.comUsed for The nine supported countries (Belgium, France, Germany, Hungary, Italy, Poland, Portugal, Romania, Spain) and three currencies (EUR, HUF, RON), quoted verbatim from its "Countries & currencies" block; paymentProductId 5110 for Oney 3x-4x with 5111 = Oney 3x and 5112 = Oney 4x from its "List of available Oney brands" table; "Refunds are possible (Partial/multiple/full)"; Hosted Checkout redirect flow; Direct Sale only (requiresApproval = false); no stated min/max, merchant must agree limits with the provider; onboarding requires signing a contract with Oney to obtain credentials; and the erroneous "instalment solution offered by the French acquirer Thunes" attribution alongside "PROVIDED FOR YOUR MERCHANT ID BY ONEY".Checked 20 October 2026
- Oney — Adyen Docs · docs.adyen.comUsed for Adyen's narrower footprint of France, Spain and Italy in EUR only; the per-country instalment options (France 3x/4x/10x/12x on Visa, Mastercard, Cartes Bancaires; Spain 3x/4x/6x/10x/12x; Italy 3x/4x); Buy Now Pay Later via redirect flow with Oney running risk checks at purchase; the feature table stating refunds, partial refunds, multiple partial refunds, separate captures and partial captures supported while recurring, multiple partial captures and chargebacks are NOT; and the six-day authorisation expiry for FR/ES/IT.Checked 20 October 2026
- Oney for API only — Adyen Docs · docs.adyen.comUsed for The legacy FacilyPay brand codes: txVariants facilypay_3x and facilypay_4x available in FR, ES and IT (with facilypay_6x ES-only and facilypay_10x/facilypay_12x FR and ES), confirming that 3x and 4x are the variants this listing covers and that 6x/10x/12x are separate products; also the EUR 1 minimum refund and the requirement that lineItems total match amount.value.Checked 20 October 2026
- Adyen payment methods catalog · docs.adyen.comUsed for The catalog row for Oney: type Buy Now Pay Later, redirect flow, "Countries/regions: France (FR), Spain (ES), Italy (IT)", "Processing currencies: EUR", "Settlement currencies: EUR", and enabled features Refunds, Partial refunds, Separate captures, Partial captures, Multiple partial refunds — establishing Adyen as a gateway that documents this method.Checked 20 October 2026
- Oney — corporate site · oney.comUsed for Operator identity: "Oney bank S.A au capital de 71 801 205 EUR RSC Lille Metropole 546 380 197"; shareholders "BPCE (50,1%) et de ELO (ex-Auchan Holding a 49,9%)"; "Createur du paiement fractionne en 2008, Oney est leader sur le marche du BNPL (Buy Now Pay Later) en France"; and that Oney operates in 10–12 countries as a bank — deliberately NOT used for the product's country rows, since corporate presence is broader than 3x/4x availability.Checked 20 October 2026
- Stripe payment method support matrix · docs.stripe.comUsed for Negative evidence: Oney does not appear anywhere in Stripe's country/currency, product or API support tables, while the comparable French BNPL rail Alma does (EUR, FR business and FR customer) — supporting the finding that Oney is reachable only through Adyen and Worldline among the matrices checked.Checked 20 October 2026
- Oney via Thunes - Cybersource Developer Documentation · developer.cybersource.comUsed for Adding Netherlands (NL) to the country rows: its "Supported Countries and Currencies" table for Oney lists Belgium BE, France FR, Italy IT, Netherlands NL, Portugal PT and Spain ES, all in EUR, with "You must have a merchant ID and a Thunes API key for each country in which you process transactions". Also refutes the record's claim that Worldline's Thunes attribution is a documentation error, by stating "Oney is a Buy Now Pay Later (BNPL) payment method offered by the Thunes payment service provider (PSP)" - confirming Thunes genuinely distributes Oney and that only Worldline's "French acquirer" descriptor is wrong. Also refutes the Stripe source's assertion that Oney is reachable only via Adyen and Worldline.Checked 21 October 2026
- Oney Bank company profile - The Paypers · thepaypers.comUsed for Secondary corroboration of the Netherlands in Oney's operating footprint, alongside France, Spain, Portugal, Poland, Italy, Belgium and Romania. Used only as supporting corroboration for NL, not as the basis for any country row on its own, since corporate presence is broader than 3x/4x product availability.Checked 21 October 2026
8 sources · last checked 21 October 2026 — each one says which claim it supports.
Compiled from public sources — verify with Oney 3x 4x before you sign anything. How we compile this · Suggest a correction ·