In France, 'paying in 3 installments' (paiement en 3x) is a spending habit that consumers have grown used to since the checkout counters of large supermarkets, and Oney, a bank affiliated with a retail group, has been central to that popularization. Oney holds a banking license and offers card-based 3x/4x installments in France as well as in southern Europe, including Spain and Portugal, which gives it a different origin from fintech-style BNPL providers such as Alma and Scalapay.

Because it is an installment brand that a broad range of age groups, including middle-aged and older consumers, are already comfortable using, it suits categories with a high average order value and a wide buyer base, such as home appliances, furniture, home living, and leisure goods. Its customer base differs from that of younger-skewed, newer BNPL services, so merchants can consider deploying Oney alongside Alma depending on the target age group.

When a consumer pays with their card and selects 3 or 4 installments, Oney runs an immediate credit check, extends installment credit, and then charges the remaining installments to the card sequentially. Because it works on top of an existing card without requiring a separate app sign-up, it differs from account- or app-based BNPL, and the detailed underwriting criteria need to be confirmed before integration.

Through Hecto Financial, Korean merchants can look into accepting Oney installment payments. Because bank-affiliated BNPL involves merchant industry screening and installment product terms (3x/4x, who bears the interest cost) built into the contract, it is efficient to prepare details on your product categories and average order value before consulting.

• Business registration country

  Confirm contract eligibility for merchants registered in Korea

• Sales channels

  The integration method and priority differ depending on your online sales channel mix, such as your own site, open marketplaces, and mobile apps

• Product categories

  Check in advance whether your business falls under a restricted category under Oney's merchant policy

• EU regulatory compliance

  Confirm compliance with EU payment regulations such as PSD2 and SEPA (see official sources below)

Even for installment transactions processed through Oney, the consumer pays in euros (EUR), and Hecto Financial receives the EUR payment and converts it before settling to Korean merchants in whichever currency—USD, KRW, or JPY—was chosen in the contract, following the same structure as other payment methods. The settlement cycle follows the contract terms. For returns with outstanding installments or EU 14-day withdrawal cases, installment cancellation and refunds become intertwined, so confirm refund processing timelines at the contract stage.

• Banque de France (French central bank)Official information on France's payment systems and related regulations. If this page's content differs from actual regulations, the official source takes precedence.
• Autorité de contrôle prudentiel et de résolution (ACPR)The authority that licenses and supervises payment service providers. Useful for confirming payment service regulations in France.