Allow your customers: Enjoy now. Pay later! But you yourself get your money paid out within 24 hours.

Together with our partners at Santander Consumer Finance and Openbank, “ZINIA” gives you a comprehensive offering for all channels. Online & Offline. Represented in 16 European countries. You too can benefit from much faster liquidity at a lower discount for the most important payment methods: purchase on account, installment purchase & direct bank transfer.