Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 1 category.
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Oney is the BNPL and instalment payment arm originally built within the Auchan retail group, operating as a licensed bank (Oney Bank S.A.) across Europe. The company has expanded beyond its French retail roots to offer white-label BNPL and credit line solutions (3x, 4x, revolving credit) to merchants across France, Spain, Portugal, Italy, Belgium, Romania and the Netherlands. More recently Oney has extended into embedded insurance through its Malta-based insurance entities and is positioning itself as a merchant-facing embedded finance partner rather than a consumer brand.
Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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alt="Ranked #115 of 254 in Lending — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/oney/install" width="1" height="1" alt="" style="display:none">2 companies are linked to Oney in the Embedded Finance Index 2026, through their own public disclosures or Oney's published customer list, including Payplug and Rakuten France.
Oney is an embedded-finance provider in Lending. It ranks #115 of 254 Lending providers by linked companies.
The most-named Lending alternatives to Oney are Affirm (65 buyers), Klarna (55 buyers), YouLend (46 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).
Oney is founded in 1983 and headquartered in France.
Oney has raised $10M in total.
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