Oney

Buy now pay later

Oney is a popular buy now, pay later method for paying in installments in France, Spain, and Italy

Important: To pass Oney compliance checks, your business must have an entity in a European country or region. Oney performs a credit check on the shopper at the moment of purchase. For more details, see Adyen's Oney documentation.

The connector supports Oney installment options as separate VTEX payment conditions. Each option maps to the corresponding Adyen facilypay payment method type.

Availability: Oney is supported for France, Spain, and Italy.

Installment options

VTEX Payment Method	Adyen Type	France (FR)	Spain (ES)	Italy (IT)
Oney / Oney 3x	facilypay_3x	Yes	Yes	Yes
Oney 4x	facilypay_4x	Yes	Yes	Yes
Oney 6x	facilypay_6x	—	Yes	—
Oney 10x	facilypay_10x	Yes	Yes	—
Oney 12x	facilypay_12x	Yes	Yes	—

Set up Oney in the Adyen Customer Area

1. Enable the Oney installment variants you want to offer in your Adyen Customer Area.
2. Configure the payment method settings according to your business requirements and the countries where you operate.

Set up Oney in VTEX

For each installment option you want to make available at checkout, create a separate payment condition:

1. Go to Store Settings > Payment > Settings.
2. In the Payment Conditions tab, click the button.
3. Search for the Oney option you want to enable and select it:
   • Oney (processed as 3x by the connector)
   • Oney 3x
   • Oney 4x
   • Oney 6x
   • Oney 10x
   • Oney 12x
4. Associate the payment condition with the Adyen provider.
5. Save the configuration.

Business Rules

Payment Flow

1. The customer selects an Oney installment option at checkout.
2. The connector sends the payment request to Adyen with order line items and shopper details.
3. The customer is redirected to Oney to complete the credit check and confirm the installment plan.
4. After Oney approves the payment, Adyen sends an AUTHORISATION webhook to the connector.
5. The connector updates the order status in VTEX.

Specific Rules

• Authorization: Performed by Oney and may be subject to a credit check.
• Authorization expiry: If capture is sent to Adyen more than six days after authorization, the authorization expires and the payment must be authorized again.
• Capture: Sent to Adyen as manual capture. Capture timing is controlled in VTEX under Auto Capture Settings. See Manual capture.
• Refund: Allowed in partial or full amounts, depending on Oney's rules.
• Cancellation: Can only be done before capture; after that, a refund is required.
• Availability: France, Spain, and Italy. Currency: EUR only.