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Oney 3x4x

Learn how to accept Oney 3x4x payments.

Icon for Oney 3x4x.  Read more

Learn more about Oney 3x4x on their website.

Oney 3x4x payments are gaining popularity in France. With Oney 3x4x, your shoppers can pay for their purchases in installments.

To fulfill Oney 3x4x compliance checks, you need to have an entity in a European country. Oney 3x4x performs risk checks on the shopper right at the moment of the purchase.

How to pay with Oney 3x4x

  1. The shopper chooses Oney 3x4x as their payment method during checkout.
  2. Once they are redirected to Oney 3x4x's webpage, the shopper needs to fill in their details and validate their information.
  3. The shopper will see a message confirming that the payment installment request has been accepted. They can then return to your website or app.
Payment type Payment flow Countries Currencies Recurring Refunds Partial refunds Captures Chargebacks
Open invoice Redirect FR EUR -x- -white_check_mark- -white_check_mark- -white_check_mark- -x-  

When making an Oney 3x4x payment:

  1. Provide information about the purchased items by specifying lineItems in your payment request.
  2. Capture the payment after the goods have been sent. This triggers the payment instructions to be sent to the shopper.
  3. If a payment has already been captured and you need to return the funds to your shopper, you need to perform a refund.

Before you begin

These instructions explain how to add Oney 3x4x to your existing API-only integration. The API-only integration works the same way for all payment methods. If you haven't done this integration yet, refer to our API-only integration guide.

Before starting your Oney 3x4x integration:

  1. Make sure that you have set up your back end implementation.
  2. Add Oney 3x4x in your test Customer Area.

Build your payment form for Oney 3x4x

When making an Oney 3x4x payment, collect the following shopper details:

Shopper detail Required Description
Shopper name -white_check_mark- The shopper's full name and gender, if specified.
Shopper email -white_check_mark- The shopper's email address. This is where Oney 3x4x will send the invoice.
Billing address -white_check_mark- The address of the shopper associated with their payment details, to be included on the invoice.
Delivery address -white_check_mark- The postal address of the shopper where the items will be delivered.

If you are using the /paymentMethods endpoint to show the available payment methods to the shopper, specify in your request:

The /paymentMethods response contains:

  • paymentMethod.type: facilypay_3x for Oney 3x installments.
  • paymentMethod.type: facilypay_4x for Oney 4x installments.

We provide logos for Oney 3x4x which you can use on your payment form. For more information, refer to Downloading logos.

Make a payment

From your server, make a /payments request, specifying:

  • paymentMethod.type: The type of Oney 3x4x payment the shopper wants to use.  Possible values: 

    • facilypay_3x for Oney 3x installments.
    • facilypay_4x for Oney 4x installments.
  • shopperLocale: A combination of language code and country code to specify the language used in your checkout. For a list of supported langauges, refer to Localization.
  • countryCode: The shopper's country.
  • shopperEmail: The shopper's email address. This is where Oney 3x4x will send the payment instructions.
  • shopperReference: A unique reference to identify the shopper. 
  • returnUrl: The URL that the shopper is redirected to after they complete the payment. This URL can have a maximum of 1024 characters.
  • lineItems: Price and product information about the purchased items. 

Oney 3x4x will only approve the payment if the total amount specified in lineItems matches the amount.value.

  • shopperName: The shopper's full name and gender, if specified.
  • billingAddress:  The address of the shopper associated with their payment details. 
  • deliveryAddress: The postal address of the shopper where the items will be delivered.
# Set your X-API-KEY with the API key from the Customer Area.
curl https://checkout-test.adyen.com/v52/payments \
-H "x-API-key: YOUR_X-API-KEY" \
-H "content-type: application/json" \
-d '{
  "merchantAccount": “YOUR_MERCHANT_ACCOUNT",
  "reference": “YOUR_ORDER_NUMBER",
  "countryCode": "FR",
  "amount": {
    "currency": "EUR",
    "value": 1000
  },
  "paymentMethod": {
    "type": "facilypay_3x"
  },
  "billingAddress": {
    "city": "UGINE",
    "country": "FR",
    "houseNumberOrName": "0",
    "postalCode": "73400",
    "street": "461 Rue du Centenaire"
  },
  "deliveryAddress": {
    "city": "UGINE",
    "country": "FR",
    "houseNumberOrName": "0",
    "postalCode": "73400",
    "stateOrProvince": "",
    "street": "461 Rue du Centenaire"
  },
  "shopperName": {
    "firstName": "Testperson-fr",
    "gender": "UNKNOWN",
    "lastName": "Approved"
  },
  "telephoneNumber": "0123456789",
  "dateOfBirth": "1985-07-30",
  "shipBeforeDate": "2020-12-14",
  "shopperEmail": "youremail@email.com",
  "shopperLocale": "fr_FR",
  "lineItems" : [
      {
         "taxPercentage" : 0,
         "id" : "item1",
         "taxAmount" : 0,
         "description" : "Test Item 1",
         "amountIncludingTax" : 75900,
         "quantity" : 1,
         "taxCategory" : "None",
         "amountExcludingTax" : 75900
      },
      {
         "taxPercentage" : 0,
         "id" : "item2",
         "taxAmount" : 0,
         "description" : "Test Item 2",
         "amountIncludingTax" : 10000,
         "quantity" : 1,
         "taxCategory" : "None",
         "amountExcludingTax" : 10000
      }
   ],
  "shopperReference": "YOUR_UNIQUE_SHOPPER_ID",
  "returnUrl": "https://your-company.com/checkout?shopperOrder=12xy.."
}'
# Set your X-API-KEY with the API key from the Customer Area.
adyen = Adyen::Client.new
adyen.env = :test
adyen.api_key = "YOUR_X-API-KEY"

response = adyen.checkout.payments({
  :merchantAccount => "YOUR_MERCHANT_ACCOUNT",
  :reference => "YOUR_ORDER_NUMBER",
  :paymentMethod => {
    :type => "facilypay_3x"
  },
  :amount => {
    :currency => "EUR",
    :value => 1000
  },
  :shopperLocale => "fr_FR",
  :countryCode => "FR",
  :shopperEmail => "youremail@email.com",
  :shopperName => {
    :firstName => "Testperson-fr",
    :gender => "UNKNOWN",
    :lastName => "Approved"
  },
  :shopperReference => "YOUR_UNIQUE_SHOPPER_ID",
  :billingAddress => {
    :city => "UGINE",
    :country => "FR",
    :houseNumberOrName => "0",
    :postalCode => "73400",
    :street => "461 Rue du Centenaire"
  },
  :deliveryAddress => {
    :city => "UGINE",
    :country => "FR",
    :houseNumberOrName => "0",
    :postalCode => "73400",
    :street => "461 Rue du Centenaire"
  }
  :returnUrl => "https://your-company.com/checkout?shopperOrder=12xy..",
  :lineItems => [
    {
      :quantity => "1",
      :amountExcludingTax => "75900",
      :taxPercentage => "0",
      :description => "Test Item 1",
      :id => "item1",
      :taxAmount => "0",
      :amountIncludingTax => "75900"
    },
    {
      :quantity => "1",
      :amountExcludingTax => "10000",
      :taxPercentage => "0",
      :description => "Test Item 2",
      :id => "item2",
      :taxAmount => "0",
      :amountIncludingTax => "10000"
    }
  ]
})
// Create a Client to establish a connection to our services with your API Key from the Customer Area.
Client client = new Client("YOUR_API_KEY", Environment.TEST);

Checkout checkout = new Checkout(client);

PaymentsRequest paymentsRequest = new PaymentsRequest();

paymentsRequest.setMerchantAccount("YOUR_MERCHANT_ACCOUNT");
paymentsRequest.setReference("YOUR_ORDER_REFERENCE");

PaymentMethodDetails paymentMethodDetails = new DefaultPaymentMethodDetails();
paymentMethodDetails.setType("facilypay_3x");

paymentsRequest.setPaymentMethod(paymentMethodDetails);

Amount amount = new Amount();
amount.setCurrency("EUR");
amount.setValue(1000L);

paymentsRequest.setAmount(amount);
paymentsRequest.setShopperLocale("fr_FR");
paymentsRequest.setCountryCode("FR");
paymentsRequest.setShopperEmail("youremail@email.com");

Name shopperDetails = new Name();
shopperDetails.setFirstName("TestPerson-Fr");
shopperDetails.setGender(Name.GenderEnum.UNKNOWN);
shopperDetails.setLastName("Approved");

paymentsRequest.setShopperName(shopperDetails);
paymentsRequest.setShopperReference("YOUR_UNIQUE_SHOPPER_ID");

Address billingAddress = new Address();
billingAddress.setCity("UGINE");
billingAddress.setCountry("FR");
billingAddress.setHouseNumberOrName("0");
billingAddress.setPostalCode("73400");
billingAddress.setStreet("461 Rue du Centenaire");

Address deliveryAddress = new Address();
deliveryAddress.setCity("UGINE");
deliveryAddress.setCountry("FR");
deliveryAddress.setHouseNumberOrName("0");
deliveryAddress.setPostalCode("73400");
deliveryAddress.setStreet("461 Rue du Centenaire");

paymentsRequest.setBillingAddress(billingAddress);
paymentsRequest.setDeliveryAddress(deliveryAddress);
paymentsRequest.setReturnUrl("https://your-company.com/checkout?shopperOrder=12xy..");

List<LineItem> lineItems = new ArrayList<>();
lineItems.add(
        new LineItem()
                .quantity(1L)
                .amountExcludingTax(75900L)
                .taxPercentage(0L)
                .description("Test Item 1")
                .id("item1")
                .taxAmount(0L)
                .amountIncludingTax(75900L)
);
lineItems.add(
        new LineItem()
                .quantity(1L)
                .amountExcludingTax(10000L)
                .taxPercentage(0L)
                .description("Test Item 2")
                .id("item2")
                .taxAmount(0L)
                .amountIncludingTax(10000L)
);

paymentsRequest.setLineItems(lineItems);

PaymentsResponse paymentsResponse = checkout.payments(paymentsRequest);
// Set your X-API-KEY with the API key from the Customer Area.
$client = new \Adyen\Client();
$client->setXApiKey("YOUR_X-API-KEY");
$service = new \Adyen\Service\Checkout($client);

$params = [
  "merchantAccount" => "YOUR_MERCHANT_ACCOUNT",
  "reference" => "YOUR_ORDER_REFERENCE",
  "paymentMethod" => [
     "type" => "facilypay_3x"
  ],
  "amount" => [
     "currency" => "EUR",
     "value" => "1000"
  ],
  "shopperLocale" => "fr_FR",
  "countryCode" => "FR",
  "shopperEmail" => "youremail@email.com",
  "shopperName" => [
     "firstName" => "Testperson-fr",
     "gender" => "UNKNOWN",
     "lastName" => "Approved"
  ],
  "shopperReference" => "YOUR_UNIQUE_SHOPPER_ID",
  "billingAddress" => [
     "city" => "UGINE",
     "country" => "FR",
     "houseNumberOrName" => "0",
     "postalCode" => "73400",
     "street" => "461 Rue du Centenaire"
  ],
  :"deliveryAddress" => [
      :"city" => "UGINE",
      :"country" => "FR",
      :"houseNumberOrName" => "0",
      :"postalCode" => "73400",
      :"street" => "461 Rue du Centenaire"
    ]
  "returnUrl" => "https://your-company.com/checkout?shopperOrder=12xy..",
  "lineItems" => [
     [
        "quantity" => "1",
        "amountExcludingTax" => "75900",
        "taxPercentage" => "0",
        "description" => "Test Item 1",
        "id" => "item1",
        "taxAmount" => "0",
        "amountIncludingTax" => "75900"
     ],
     [
        "quantity" => "1",
        "amountExcludingTax" => "10000",
        "taxPercentage" => "0",
        "description" => "Test Item 2",
        "id" => "item2",
        "taxAmount" => "0",
        "amountIncludingTax" => "10000"
     ]
  ]
];

$result = $service->payments($params);

// Check if further action is needed
if (array_key_exists("action", $result){
   // Pass the action object to your frontend.
   // $result["action"]
}
else {
   // No further action needed, pass the resultCode to your front end
   // $result['resultCode']
}
# Set your X-API-KEY with the API key from the Customer Area.
adyen = Adyen.Adyen()
adyen.client.xapikey = 'YOUR_X-API-KEY'

result = adyen.checkout.payments({
  "merchantAccount": "YOUR_MERCHANT_ACCOUNT",
  "reference": "YOUR_ORDER_REFERENCE",
  "paymentMethod": {
    "type": "facilypay_3x"
  },
  "amount": {
    "currency": "EUR",
    "value": "1000"
  },
  ,
  "telephoneNumber": "0123456789",
  "dateOfBirth": "1985-07-30",
  "shipBeforeDate": "2020-12-14",
  "shopperEmail": "youremail@email.com",
  "shopperLocale": "fr_FR",
  "countryCode": "FR",
  "shopperEmail": "youremail@email.com",
  "shopperName": {
    "firstName": "Testperson-fr",
    "gender": "UNKNOWN",
    "lastName": "Approved"
  },
  "shopperReference": "YOUR_UNIQUE_SHOPPER_ID",
  "billingAddress": {
    "city": "UGINE",
    "country": "FR",
    "houseNumberOrName": "0",
    "postalCode": "73400",
    "street": "461 Rue du Centenaire"
  },
  "deliveryAddress": {
      "city": "UGINE",
      "country": "FR",
      "houseNumberOrName": "0",
      "postalCode": "73400",
      "stateOrProvince": "",
      "street": "461 Rue du Centenaire"
  },
  "returnUrl": "https://your-company.com/checkout?shopperOrder=12xy..",
  "lineItems": [
    {
      "taxPercentage" : "0",
      "id" : "item1",
      "taxAmount" : "0",
      "description" : "Test Item 1",
      "amountIncludingTax" : "75900",
      "quantity" : "1",
      "taxCategory" : "None",
       "amountExcludingTax" : "75900"
    },
    {
       "taxPercentage" : "0",
       "id" : "item2",
       "taxAmount" : "0",
       "description" : "Test Item 2",
       "amountIncludingTax" : "10000",
       "quantity" : "1",
       "taxCategory" : "None",
       "amountExcludingTax" : "10000"
    }
  ]
})
// Set your X-API-KEY with the API key from the Customer Area.
var client = new Client ("YOUR_X-API-KEY", Environment.Test);
var checkout = new Checkout(client);

var paymentRequest = new Adyen.Model.Checkout.PaymentRequest
{
   MerchantAccount = "YOUR_MERCHANT_ACCOUNT",
   Reference = "YOUR_ORDER_REFERENCE",
   PaymentMethod = new DefaultPaymentMethodDetails { Type = "facilypay_3x" },
   Amount = new Model.Checkout.Amount(Currency: "EUR", Value: 1000),
   ShopperLocale = "fr_FR",
   CountryCode = "FR",
   ShopperEmail = "youremail@email.com",
   ShopperName = new Model.Checkout.Name
   {
       FirstName = "Testperson-fr",
       Gender = Model.Checkout.Name.GenderEnum.UNKNOWN,
       LastName = "Approved"
   },
   ShopperReference = "YOUR_UNIQUE_SHOPPER_ID",
   OneyData = new Adyen.Model.Checkout.OneyData
   {
       MerchantPays: "true"
   }
   BillingAddress = new Model.Checkout.Address
   {
       City = "UGINE",
       Country = "FR",
       HouseNumberOrName = "0",
       PostalCode = "73400",
       Street = "461 Rue du Centenaire"
   },
    DeliveryAddress: new Model.Checkout.Address
    {
       City: "UGINE",
       Country: "FR",
       HouseNumberOrName: "0",
       PostalCode: "73400",
       StateOrProvince: "",
       Street: "461 Rue du Centenaire"
     },
   ReturnUrl = "https://your-company.com/checkout?shopperOrder=12xy..",
   LineItems = new List<LineItem>
{
   new LineItem(TaxPercentage:0, Id:"item1", TaxAmount:0,
   Description:"Test Item 1", AmountIncludingTax:75900, Quantity:1, TaxCategory:"None", AmountExcludingTax:75900),
   new LineItem(TaxPercentage:0, Id:"item2", TaxAmount:0,
   Description:"Test Item 2", AmountIncludingTax:10000, Quantity:1, TaxCategory:"None", AmountExcludingTax:10000),
}
return paymentRequest;
}
// Set your X-API-KEY with the API key from the Customer Area.
const {Client, Config, CheckoutAPI} = require('@adyen/api-library');
const config = new Config();
// Set your X-API-KEY with the API key from the Customer Area.
config.apiKey = '[API_KEY]';
config.merchantAccount = '[MERCHANT_ACCOUNT]';
const client = new Client({ config });
client.setEnvironment("TEST");
const checkout = new CheckoutAPI(client);
checkout.payments({
  merchantAccount: "YOUR_MERCHANT_ACCOUNT",
  reference: "YOUR_ORDER_REFERENCE",
  paymentMethod: {
     type: "facilypay_3x"
  },
  amount: {
     currency: "EUR",
     value: "1000"
  },
  shopperLocale: "fr_FR",
  countryCode: "FR",
  shopperEmail: "youremail@email.com",
  shopperName: {
     firstName: "Testperson-fr",
     gender: "UNKNOWN",
     lastName: "Approved"
  },
  shopperReference: "YOUR_UNIQUE_SHOPPER_ID",
  billingAddress: {
     city: "UGINE",
     country: "FR",
     houseNumberOrName: "0",
     postalCode: "73400",
     street: "461 Rue du Centenaire"
  },
  deliveryAddress: {
      city: "UGINE",
      country: "FR",
      houseNumberOrName: "0",
      postalCode: "73400",
      street: "461 Rue du Centenaire"
  },
  returnUrl: "https://your-company.com/checkout?shopperOrder=12xy..",
  lineItems: [
     {
        quantity: "1",
        amountExcludingTax: "75900",
        taxPercentage: "0",
        description: "Test Item 1",
        id: "item1",
        taxAmount: "0",
        amountIncludingTax: "75900"
     },
     {
        quantity: "1",
        amountExcludingTax: "10000",
        taxPercentage: "0",
        description: "Test Item 2",
        id: "item2",
        taxAmount: "0",
        amountIncludingTax: "10000"
     }
  ]
}).then(res => res);

The /payments response contains:

  • action.url: Link to where you should redirect your shopper.
  • action.method: GET or POST. The HTTP request method that you should use. After the shopper completes the payment, they will be redirected back to your returnURL using the same method.
    The redirect method depends on your payment method configuration and the length of the data included in the request, so make sure that your integration can handle both HTTP GET and HTTP POST methods.

To verify the payment result in the next step, you also need the following from the /payments response:

  • action.paymentData: The paymentData value that you send in your /payment/details request.
  • details: Array of parameters that you need to send in your /payment/details request. For example, payload or redirectResult.
    The parameters can vary based on the payment method configuration. Make sure to check the details array to confirm the parameters that you need to send in your next API request.
/payments response
{
  "resultCode":"RedirectShopper",
  "action":{
    "method":"GET",
    "paymentData":"Ab02b4c0!BQABAgCSZT7t...",
    "paymentMethodType":"facilypay_3x",
    "type":"redirect",
    "url":"https://test.adyen.com/hpp/redirect.shtml?brandCode=.."
  },
  "details":[
    {
      "key":"payload",
      "type":"text"
    }
  ],
  ...
}

Handle the redirect

  1. To complete the payment, redirect the shopper to the action.url returned in the /payments response.
  2. After the shopper is redirected back to your website or app, check the payment result by making a /payments/details request, specifying:
    • paymentData: Value you received in the /payments response.
    • details: Object that contains the URL-decoded values of the parameters that were returned when the shopper was redirected back to your website or app. For example, payload. To check the parameters that you should submit, refer to the details array that you received in the /payments response.
    /payments/details request
    {
         "paymentData":"Ab02b4c0!BQABAgCJN1wRZuGJmq8dMncmypvknj9s7l5Tj...",
         "details":{
           "{hint:Verify the parameters from /payments response}payload{/hint}":"Ab02b4c0!BQABAgCW5sxB4e/=="
         }
    }
    You receive a response containing:
    • resultCode: Use this to present the result to your shopper.
    • pspReference: Our unique identifier for the transaction.
    /payments/details response
     {
       "resultCode": "Authorised",
       "pspReference": "88154795347618C"
     }
For more information and detailed instructions, refer to Handling redirects.

After you have checked the payment result, use the resultCode in the /payments/details response to present the payment result to your shopper.

Present the payment result

Use the resultCode from the /payments/details response to present the payment result to your shopper. The resultCode values you can receive for Oney 3x4x are:

resultCode Description Action to take
Authorised The payment was successful. Inform the shopper that the payment was successful. After the goods have been sent, you also need to capture the payment.
Cancelled The shopper cancelled the payment. Ask the shopper whether they want to continue with the order, or ask them to select a different payment method.
Refused The payment was refused by Oney 3x4x, as it didn't pass their risk checks. Ask the shopper to try the payment again using a different payment method.
Pending Oney 3x4x has not confirmed the final status of the payment yet, for example because of suspected fraud. If the payment is not authorised within 24 hours, it is automatically cancelled. Inform the shopper that you've received their order, and are waiting for the payment to be completed.
To know the final result of the payment, wait for the AUTHORISATION notification.

Capture the payment

All Oney 3x4x payments have to be manually captured within six days after authorisation, even if you have enabled automatic capture on your merchant account.

If you can guarantee that the goods are shipped within 24 hours of capturing the payment, our Support Team can also set up automatic capture for Oney 3x4x payments.

Currently, you cannot do partial captures with Oney 3x4x.

Refund the payment

If an Oney 3x4x payment has not yet been captured, you can cancel it. If the payment has already been captured and you want to return the funds to the shopper, you need to refund it.

Partial refunds

To partially refund an Oney 3x4x payment, specify in your call to the /refund endpoint:

  • modificationAmount: The amount to be refunded to the shopper.
{
   "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
   "modificationAmount":{
      "currency":"EUR",
      "value":"400"
   },
   "originalReference":"8825408195409505"
}

You will receive a /refund response containing a pspReference associated with this request. Once we have processed your request, you will also receive a REFUND notification. For more information, refer to Refund.

Test and go live

Before accepting live Oney 3x4x payments, test your integration using the following test details:

Test card number Expiry date CVV
4970 1090 4680 2374 Any date in the future Any value
4970 1090 0325 6200 Any date in the future Any value

You can test the different responses by changing the amount to be paid:

  • Authorised: Between EUR 150.00 and EUR 999.99
  • Pending: Between EUR 1000.00 and EUR 1499.99
  • Refused: Between EUR 1500.00 and EUR 2000.00

Before you can accept live Oney 3x4x payments, you need to submit a request for Oney 3x4x in your live Customer Area.

See also