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

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Choose Zinia

Select Zinia as the payment option.

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Divide and conquer

Choose to pay now, in 14 days, 30 days, or in instalments.

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Just 2 clicks!

Just fill out a few details… that’s it!

Paying made simple

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All under one roof

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Boost your business with Zinia

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Turn visitors into new customers

Make your products more affordable with our interest-free payment solutions.

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Increase sales by offering customers flexibility when paying

Our flexible payment options increase average ticket size at checkout.

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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 ‘payments and lending’ platform.

6M

Since our launch, more than 6 million customers have used our BNPL solution.

79K

We've partnered with over 79 thousand merchants worldwide.

16

International expansion afoot, aiming to service the 16 countries where we operate.

Video Corporate

Soon in 16 countries

Single-platform solution to internationally roll out our range of services to all Santander Consumer Finance units

Europe
Austria Belgium Finland Denmark France Germany
Greece Italy The Netherlands Norway Poland Portugal
Sweden Spain Switzerland UK
America
Canada USA