Enjoy now. Pay later.
What’s Zinia?
Disrupting the way we think about payments
It’s all up to you! Pay now, in 14 days, 30 days or in instalments.
Instalment loans and credit cards are on their way too!
We make payments simple so customers can split them into instalments or settle them at a later date. An easy, fast and clear way to shop and help businesses boost sales and customer engagement.
Discover our products
Choose Zinia
Select Zinia as the payment option.
Divide and conquer
Choose to pay now, in 14 days, 30 days, or in instalments.
Just 2 clicks!
Just fill out a few details… that’s it!
Paying made simple
All under one roof
Boost your business with Zinia
Turn visitors into new customers
Make your products more affordable with our interest-free payment solutions.
Increase sales by offering customers flexibility when paying
Our flexible payment options increase average ticket size at checkout.
Keep customers coming back
Our simple, fast and transparent payment solutions make shopping easier.
Powering merchants across Europe
Openbank and Santander Consumer Finance have joined forces to create The Digital Consumer Bank, and we are proud to be building the market-leading ‘payments and lending’ platform.
6M
Since our launch, we have secured more than 6 million BNPL contracts.
+75K
We've partnered with over 75 thousand merchants worldwide.
16
International expansion afoot, aiming to service the 16 countries where we operate.
Soon in 16 countries
Single-platform solution to internationally roll out our range of services to all Santander Consumer Finance units