Zinia is the new Buy Now Pay Later (BNPL) platform of the Santander Group that makes shopping simple and fast while increasing merchants’ sales conversion and reducing risks.


More flexibility, more revenue

Increase average ticket price and boost sales by offering your customers flexible payment options adapted to their needs.

Selling made easy

Make shopping smooth with a simple, fast and transparent checkout experience. With a few steps the customer completes the purchase.

Say goodbye to risks

Get payments in full and upfront while Zinia takes the risk of non-payment from the customers.

Integration in a blink

Quick and easy integration thanks to our range of different integration methods.