Audience
Companies that want to allow customers to Buy Now, Pay Later
About Zinia
Zinia is the new ‘Buy Now, Pay Later’ platform of the Santander Group with over two million customers across Europe. Zinia makes shopping simple, offering the possibility of splitting payments into interest-free installments in a fast and transparent way. The platform is available both for in-store and online purchases at participating businesses with offline functionality coming soon.
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. Single platform solution to expand internationally our services to all Santander Consumer Finance units.
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Affirm
Affirm is a pay-over-time solution that helps remove price as a barrier for shoppers, enabling merchants to see an 85% increase in average order value and 20% repeat purchase rate. Affirm’s mobile-friendly, omnichannel solution is optimized for e-commerce, in-store transactions, and telesales. Affirm provides the tools merchants need to easily integrate pay-over-time options for shoppers.
Here's how it works:
1. Your customer enters a few top-of-mind pieces of information for a real-time decision.
2. Flexible payments. Customers pick their payment plan, with options ranging from 3‑36 months.
3. We settle within one business day and take on risk, from costly chargebacks to fraud. Zero risk to you.
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Gerald
Gerald is a financial technology app designed to provide users with flexible financial solutions, including interest-free cash advances up to $80, enabling individuals to manage unexpected expenses without incurring additional costs. The app also features a Buy Now, Pay Later option, allowing users to purchase essential household items and mobile plans with the convenience of deferred payments, all without hidden fees or interest. Additionally, Gerald offers a Play to Earn feature, where users can engage in games to earn coins, which can be redeemed for store rewards, further enhancing their purchasing power. Committed to inclusivity, Gerald ensures that both members and non-members have access to affordable household shopping, aiming to empower individuals and families to shop smart, save more, and embrace a brighter financial future.
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Sezzle
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Serving more than 17,500 online merchants, Sezzle allows shoppers to make their purchase today with 4 payments over the following 6 weeks, interest-free! Sezzle also offers customers the option to reschedule their payment once for free, and the max fee for late payment is $10. Sezzle is the financially responsible solution to buy now, pay later.
What's in it for merchants? Increased conversions, AOV, and shopper frequency. The best part? Sezzle takes on all the risk of fraud, chargebacks, and repayment. It's a win, win, WIN.
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Balance
Balance is the first self-serve checkout that accepts 100% of the B2B payment complexities - from milestone payments to net terms, wires to checks, SaaS subscriptions to automatic vendor payouts - and more:
🗒 API-first! Get at them docs
💳 Go beyond cards: Accept ACH, wire, card, and even checks
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🔁 Recurring payments, made easy: Make recurring invoice payments as easy as recurring CC payments
🏢 Built for all B2B payment needs. Perfected for Marketplaces, Wholesalers, Merchants, SaaS and Service Providers.
🧍🏽♀️ Self-serve invoicing: Your customers can pull & pay their own invoices with a click
🏋️ Automatic reconciliation & collection: Isn’t it funny you’re still doing this manually?
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Integrations
Company Information
Santander Group
Founded: 1857
Spain
www.zinia.com
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