Oney Financement Long

Intro

Oney Financement Long is an instalment solution offered by the French acquirer Thunes.

Your customers can split a credit card payment into up to 20 instalments (you define the available amount of instalments in your contract with Thunes). 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.

Your customers need to have a French address and phone number (+33) to use this payment method.

Optimised for Desktop Tablet Mobile

Overview

Payment group:

Instalment

Payment product id:

5125

Key benefits

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

Onboarding

To use Oney Financement Long 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

France

Supported currencies

Euro (EUR)

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":{
               "firstName":"Dupont",
               "surname":"Jean"
            }
         },
         "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":false,
      "paymentProductId":5125
   }
}

Properties	Remarks
order.customer merchantCustomerId personalInformation companyInformation languageCode billingAddress shippingAddress contactDetails vatNumber	Make sure to send a French phone number in contactDetails.mobilePhoneNumber
references merchantOrderId merchantReference invoiceData descriptor	-
typeInformation.purchaseType	-
hostedCheckoutSpecificInput.locale	-
redirectPaymentMethodSpecificInput requiresApproval paymentProductId	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.

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

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

Process flows

Your customers finalise an order in your shop and select Oney Financement Long.
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, card data and the amount of instalments.
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.