The GTCs below must appear in the "means of payment" part 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 installments 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 for your purchases of € 100 to € 3,000 in 3 or 4 installments with your bank card.

Conditions: This offer is reserved for individuals (adult individuals) residing in France and holders of a Visa and MasterCard bank card with a validity date greater than 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, all you have to do is click on the "3x 4x Oney payment by credit card button".

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, print 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 becoming aware of 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 14-day cooling-off period 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 costs corresponding to 1.45% of the total amount of the order for a 3 time and 2.2% for a 4 time (within the limit of 15 € maximum for a payment in 3 installments and 30 € maximum for a 4 times);

- 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 payments 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.

3-month credit 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-​​ ​