Oney
Oney is France’s leading BNPL and instalment payment provider, part of Groupe BPCE, one of France’s largest banking groups. Founded over 40 years ago as a retail financing specialist and creator of instalment payments in France in 2008, Oney operates as a licensed bank and serves over 37,000 merchant partners across Europe, supporting nearly 7 million customers. Unlike Klarna or Afterpay, which are fintech-originated BNPL providers, Oney comes from a traditional banking and consumer credit background, giving it a different risk profile and regulatory standing.
Oney’s core product for e-commerce is pay in 3 or pay in 4 instalments, with the merchant receiving the full purchase amount upfront while Oney manages the consumer credit relationship and repayment schedule. Payment options of 60 or 90 days are also available depending on the market and product configuration. Oney also offers longer-term financing products for higher-value purchases, which is particularly relevant in sectors such as travel, home improvement, and electronics where larger baskets benefit from extended payment terms.
For merchants, the commercial case is strongest in France, where Oney has deepest consumer recognition and the highest installed base. French merchants using Oney report average basket increases of 20 to 70%, and 72% of French buyers surveyed by Oney identified instalment payment as a purchase trigger. In the travel sector specifically, Oney processed over 286,000 travel purchases in 2024 through its instalment products, establishing it as a significant payment partner for tour operators, airlines, and hospitality groups.
Oney is available in France, Spain, and Italy, with Adyen listing it as a supported payment method for these three markets. Its French market position is particularly strong and differentiated from Klarna, which has broader European reach but less entrenched consumer familiarity in France specifically. For merchants with significant French revenue in categories where instalment payment drives conversion, Oney is worth evaluating alongside or instead of Klarna.
Merchant fees are a percentage per transaction, agreed commercially and not published. As with other BNPL providers, the rate reflects the credit risk Oney absorbs and the conversion uplift it generates. Exact fees depend on merchant category, volume, and contract terms.
PSP access is available through Adyen, Mollie, PayPlug, and Worldline, among others.
Relevant markets: France, Spain, Italy
