Oney's business model is based on two major business activities and a two-pronged sales model with significant synergies between the two strands:

A BtoB business model

through partnerships with retailers and e-commerce traders to provide their customers with payment, financing and insurance solutions for purchases in-store or online.

A BtoC business model

which includes direct sales to customers recruited through our partnerships business (BtoB). We offer thel payment solutions, revolving loans, personal loans, insurance and savings products.

Payment and
financing solution

  • 1Savings
  • 2Split payment
  • 3Personal Loans
  • 4Specific purpose loan
  • 5Payment by bank cards, private

Payment and
financing solution

  • 6Oneytrust: anti-fraud solutions & digital profiling
  • 7Oney Insurance: insurance solutions