Enjoy now.
Pay later.
Enjoy the freedom of shopping whenever you want. Pay in 30 days* or in 3 instalments** - no interest, no hidden costs.
What is Zinia?
Pay at your own pace
Shop with Zinia and pay today, in 30 days or in 3 instalments.
No surprises
Zero costs*. Zero worries.
Let us do the work
We make sure you always know how much and when you have to pay. Plus, you only pay for what you want to keep.
It's in your hands!
We'll send you real-time notifications so you can stay on top of payments and keep track of deliveries and returns. This means you can enjoy your purchases stress-free. Plus, we're always on hand to help - just email or call us.
Manage your purchases on the Zinia app no matter where you are. Download it for free!
Your security comes first!
We make sure your personal data and payments are secure. We take our anti-fraud measures seriously and constantly strive to improve them. Plus, we check each payment rigorously using strict risk systems.
Want to know a little more? Check out our FAQs.
Are you a retailer?
Find out how Zinia can boost your business and improve customer experience.
All your questions answered
Payments
Get all the frequently asked questions about paying with Zinia here.
Learn more
Returns and refunds
Not happy with your purchase? Get answers to all your questions about returns here.
Learn more
Fraud and security
All the info about fraud and how we protect you digitally can be found here.
Learn more
* 0% NIR, 0% APR. Representative example for a purchase of €100 to be paid within 30 days following delivery. 0% annual NIR; 0% APR; amount: €100; financing term: 30 days; 1 payment of €100 due in 30 days; cash purchase price: €100; total amount in instalments (owed): €100. French amortisation schedule. Failure to comply with the payment schedule may result in extra fees. For further information, read the specific terms and conditions.
** 0% NIR, 0% APR. Representative example for a purchase of €90 to be paid in 3 instalments. 0% annual NIR; 0% APR; amount: €90; financing term: 60 days; 3 instalments of €30 due monthly. First instalment due at time of purchase. Cash purchase price: €90; total amount in instalments (owed): €90. French amortisation schedule. Failure to comply with the payment schedule may result in extra fees. For further information, read the specific terms and conditions.
You can report any breach of Openbank’s General Code of Conduct or corporate principles through Canal Abierto (Open Channel), our whistleblowing channel.