Oney

Intro

Oney is an instalment solution offered by the French acquirer Oney.

Your customers can use Oney to split a payment into many instalments. As a merchant, you will receive the full order amount immediately. Oney will take full responsibility for the instalments and the relationship with the buyer in your stead.

The integration is easy to set up, as you only need to send some additional parameters along with your request.

Offer this payment method in a steadily expanding list of European countries!

Optimized for Desktop Tablet Mobile

Overview

Payment group:

Instalment

Payment product id:

5148

Key benefits

Low PCI requirements
Easy integration
Guaranteed payment
Refunds are possible (Partial/multiple/full)

Boarding

To use Oney in either our test/live environment, follow these steps:

Sign a contract with Oney and receive activation credentials in return.
Log in to Worldline Merchant Portal.
Navigate to Business -> Payment methods.
Use the credentials you received to activate Oney.

Countries & currencies

Supported countries

Belgium
France
Germany
Hungary
Italy
Poland
Portugal
Romania
Spain

Supported currencies

Euro (EUR)
Hungarian forint (HUF)
Romanian new leu (RON)

Integration

Redirect your customers to the Oney payment portal via our Hosted Checkout Page. Find a high-level overview in the "Process flows" chapter.

Add the following properties to a standard CreateHostedCheckout request:

{
  "order": {
    "amountOfMoney": {
      "currencyCode": "EUR",
      "amount": 170000
    },
    "customer": {
      "personalInformation": {
        "name": {
          "title": "Mr.",
          "firstName": "Dupont",
          "surname": "Jean"
        },
        "gender": "male",
        "dateOfBirth": "19490917"
      },
      "billingAddress": {
        "street": "bd de Rochechouart",
        "houseNumber": "13",
        "zip": "75009",
        "city": "Paris",
        "state": "Paris",
        "countryCode": "FR"
      },
      "shippingAddress": {
        "street": "bd de Rochechouart",
        "houseNumber": "13",
        "zip": "75009",
        "city": "Paris",
        "state": "Paris",
        "countryCode": "FR"
      },
      "contactDetails": {
        "emailAddress": "jean.dupont@test.com",
        "phoneNumber": "+330175757575"
      }
    },
    "references": {
      "merchantOrderId": "{{TIMESTAMP}}"
    },
    "shoppingCart": {
      "items": [
        {
          "amountOfMoney": {
            "currencyCode": "EUR",
            "amount": 170000
          },
          "orderLineDetails": {
            "productName": "ACME12",
            "discountAmount": 0,
            "lineAmountTotal": 170000,
            "productCode": "ASO45",
            "productPrice": 170000,
            "productType": "Fashion",
            "quantity": 1,
            "taxAmount": 0,
            "unit": "piece"
          }
        }
      ]
    }
  },
  "hostedCheckoutSpecificInput": {
    "locale": "fr_FR"
  },
  "redirectPaymentMethodSpecificInput": {
    "requiresApproval": true,
    "paymentProductId": 5148,
    "paymentOption": "W3122"
  }
}

Properties	Remarks
order.customer merchantCustomerId personalInformation companyInformation languageCode billingAddress shippingAddress contactDetails vatNumber	If you do not send shippingAddress, your customers will have to provide this data on the Oney portal
references merchantOrderId merchantReference invoiceData descriptor	-
typeInformation.purchaseType	-
hostedCheckoutSpecificInput.locale	-
redirectPaymentMethodSpecificInput requiresApproval paymentProductId paymentOption	requiresApproval: Set to "false" as this payment method allows only direct sale operations paymentProductId: The numeric identifier of the payment method on our platform. Find this id in the "Overview" chapter. It instructs our platform to send your customers directly to the Oney portal. If left out, our platform sends your customers to the Hosted Checkout Page instead, allowing them to choose this or any other payment method in your account paymentOption: contains a value to indicate the transaction is split into 3 or 4 instalments. The values for are defined by you and Oney

Find detailed information about this object and its properties in our CreateHostedCheckoutAPI

Contact Oney to define a minimum/maximum amount limit per transaction

List of available Oney brands

Brand	paymentProductId
Oney	5148
Oney 3x	5146
Oney 4x	5147

Process flows

Your customers finalise an order in your shop and select Oney
You send this CreateHostedCheckout request to our platform
You redirect your customers via the redirectUrl to the Oney portal. They confirm the order with their personal data
We receive the transaction result
We redirect your customer to your returnUrl
You request the transaction result from our platform via GetPayment or receive the result via webhooks
If the transaction was successful, you can deliver the goods / services

Testing

Refer to our Test cases for test data and detailed instructions

Make sure to use the right endpoint and switch back to the live URL as soon as you have finished your tests