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What is Zinia?

Zinia, an innovative 'Buy Now, Pay Later' service developed by the Santander Group, currently supports more than two million users across Europe. This service enhances the shopping experience by allowing customers to split their payments into simple, interest-free installments that are processed quickly and transparently. It is designed for both in-store and online purchases at selected retailers, with upcoming features aimed at enhancing offline shopping experiences as well. By utilizing our interest-free payment solutions, you can make your products more affordable, ultimately driving sales by offering customers increased flexibility in how they pay. Our versatile payment options contribute to a rise in average spending at checkout while fostering customer loyalty. With our clear, fast, and transparent payment methods, we transform shopping into a more enjoyable venture. This unified platform enables us to expand our services internationally across all sectors of Santander Consumer Finance, ensuring a smooth global shopping journey for all users. Additionally, our commitment to enhancing customer satisfaction through innovative payment solutions positions us as a leader in the evolving retail landscape.

What is Promise Pay?

Promise offers a comprehensive suite of advanced technology solutions that empower government agencies and utilities to modernize how they manage payments, benefits distribution, and customer engagement. Their platform automates income verification, eligibility, and outreach with AI-powered tools that accelerate processing times by up to four times and improve program inclusivity through targeted communication strategies. The flexible, interest-free payment plans promote better revenue recovery and reduce delinquencies, supporting thousands of customers in managing debts responsibly. Promise emphasizes security and compliance, leveraging machine learning to proactively detect and prevent fraud, waste, and abuse while providing audit-ready documentation. Implementation is streamlined, typically completed within eight weeks, allowing agencies to rapidly launch impactful relief and repayment programs. A mobile-first, self-serve portal drives high customer engagement, with 90% of applicants managing their participation independently. Real-world case studies highlight Promise’s success in distributing hundreds of millions in relief funds and recovering tens of millions in payments, all while improving compliance and customer satisfaction. Their team includes security professionals experienced in national security, ensuring sensitive data remains protected. Promise’s solutions reduce operational overhead by automating outreach and support ticket handling, freeing agency staff for higher-value work. Overall, Promise delivers scalable, secure, and cost-effective technology to help public sector organizations maximize impact and streamline program delivery.

Media

Media

Integrations Supported

Quickwork
Volt

Integrations Supported

API Availability

API Availability

Pricing Information

Pricing not provided

Pricing Information

Pricing not provided

Supported Platforms

SaaS

Supported Platforms

SaaS

Customer Service / Support

Web-Based Support

Customer Service / Support

Standard Support
Web-Based Support

Training Options

Documentation Hub

Training Options

Online Training

Company Facts

Organization Name

Santander Group

Date Founded

1857

Company Location

Spain

Company Website

www.zinia.com

Company Facts

Organization Name

Promise

Date Founded

2017

Company Location

United States

Company Website

www.promise-pay.com

Categories and Features

Buy Now Pay Later

Not specified

Categories and Features

Payment Processing

Not specified

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