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 slice it in instalments
Always interest-free. This is our philosophy.
We make payments simple so customers can split or delay them as they wish. 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 in 14 days, 30 days or slice it in installments.
Do it in just 2 clicks!
Enter your phone number and date of birth… that’s it!
The easiest way to pay
It’s all right here
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 more flexibility when paying
Our flexible payment options increase average spending at your checkout.
Keep customers coming back
Our simple, fast and transparent payment solutions make shopping easier.
Powering merchants across Europe
One year after the announcement that Openbank and Santander Consumer Finance had joined forces to create The Digital Consumer Bank, we are proud to be building the market-leading ‘Buy Now, Pay Later’ platform
2M
Since our launch, more than 2 million customers used our BNPL solution
63K
More than 63 thousand merchants trust us across the world
16
International expansion aiming at servicing the 16 countries where we operate
Soon in 16 countries
Single platform solution to expand internationally our services to all Santander Consumer Finance units