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About this service


The GTCs below must appear in the "means of payment" section of the general conditions of sale of your site.

They are mandatory and non-compliance may result in penalties which will be borne by both parties, Oney and the partner.


Payment of your order in 3 or 4 times by credit card from 100 € of purchases up to 3000 € with Oney Bank.

Our partner Oney Bank offers you a financing solution called 3x 4x Oney, which allows you to pay your purchases from 100 € to 3000 € in 3 or 4 installments with your bank card.

Conditions: This offer is reserved for individuals (adults) residing in France and holders of a Visa and MasterCard bank card with a longer validity date.

the duration of the financing chosen. Systematic authorization cards, in particular of the Electron, Maestro, Nickel, etc. type, as well as e-cards, Indigo and American Express cards are not accepted.

Terms of subscription: After completing your order, simply click

on the "3x 4x Oney payment button by bank card".

You are then redirected to our partner's 3x 4x Oney web page displaying the detailed summary of your order and the personalized financing request, which you must then validate.

You enter your personal information or, if you have a 3x 4x Oney account, you identify yourself using the login details linked to your 3x 4x Oney account. You read the general terms of payment in several installments to which you wish to subscribe which are provided to you in PDF format so that you can read them, print them and save them before accepting them. You then notify your electronic acceptance by the corresponding checkbox.

You acknowledge that the "double click" associated with the checkbox on acknowledging the general conditions constitutes consent to contract and constitutes an irrevocable and unreserved acceptance of the general conditions of the product.

Unless proven otherwise, the data recorded by Oney Bank constitutes proof of all transactions between you and Oney Bank.

If you request to benefit from a financing solution offered by Oney Bank, the information relating to your order will be transmitted to Oney Bank, which will use it for the purpose of studying your request for the granting, management and credit recovery.

Oney Bank reserves the right to accept or refuse your request for 3x 4x Oney financing. You have a cooling off period of 14 days to give up your credit.

Operation: Payment in 3 or 4 times by credit card allows you to pay for the order made on our merchant site as follows

- a mandatory contribution, debited on the day of confirmation of the shipment of your order corresponding to a third or a quarter of the order, to which are added a corresponding fee of 1.45% of the total amount of the order for a 3 time and to 2.2 % for 4 times (within the limit of € 15 maximum for payment in 3 installments and € 30 maximum for 4 installments);

- two or three monthly payments, each corresponding to a third or a quarter of the order, taken 30 and 60 days later for the 3 times and 30, 60 and 90 days after for the 4 times.

● Payment in 3 installments from 100 € of purchase and up to 3000 € Example: For a purchase of 150 €, contribution of 52.18 € then 2 monthly installments of 50 €.

Credit for 2 months at a fixed APR of 19.31%. Cost of financing: € 2.18 within the limit of € 15 maximum.

● Payment in 4 installments from 100 € of purchase and up to 3000 €

Example: For a purchase of € 400, contribution of € 108.80 then 3 monthly payments of € 100.

Credit over 3 months at a fixed APR of 19.61%. Cost of financing: € 8.80 within the limit of € 30 maximum.

Oney Bank - SA with capital of € 51,286,585 - Headquarters: 34 avenue de Flandre 59170 CROIX - RCS Lille Métropole 546 380 197 - Orias n °: 07 023 261 - - Correspondence: CS 60006 - 59 895 Lille Cedex 9 - “