Oney 3x-4x

Intro

Oney 3x-4x is an instalment solution offered by the French acquirer Thunes.

All your customers from the SEPA can split a credit card payment into 3 or 4 instalments. Your customers enter some personal data and their credit card details on the Thunes portal during the initial transaction request. Thunes charges the credit card for the remaining instalments automatically.

The integration is very easy, as you only need to send some additional parameter along with your request.

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

Optimised for Desktop Tablet Mobile

Overview

Payment group:

Instalment

Payment product id:

5110

Key benefits

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

Onboarding

To use Oney 3x/4x for either in our test/live environment, follow these steps:

Sign a contract with Thunes and receive activation credentials in return.
Send the activation credentials (MID/password and possibly other credentials) to us.
We do the necessary onboarding and provisioning check.
We activate the payment method in your account.

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 Thunes 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": 5110,
    "paymentOption": "PROVIDED FOR YOUR MERCHANT ID BY ONEY"
  }
}

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 Thunes 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 Thunes 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 Thunes.

The PaymentOption is a specific value provided for you by Oney. It defines a specific redirection toward 3x or 4x payment methods.

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

Contact Thunes to define a minimum/maximum amount limit per transaction.

List of available Oney brands

Brand	paymentProductId
Oney 3x	5111
Oney 4x	5112

Process flows

Your customers finalse an order in your shop and select Oney 3x-4x.
You send this CreateHostedCheckout request to our platform.
You redirect your customers via the redirectUrl to the Thunes 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 GetHostedCheckout or receive the result via webhooks.
If the transaction was successful, you can deliver the goods / services.

The image above shows an example of Process Flow

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.