Zinia is a BNPL methods that lets customers pay now, in 14 days or 3 equal installments within a period of time.

Read how Zinia can benefit your business on multisafepay.com

SupportsDetails
CountriesNetherlands
CurrenciesEUR
ChargebacksNo
Partial captureYes
Payment pagesYes (current version only)
RefundsYes: Full, partial, and API refunds
Second ChanceYes

Payment flow

The diagrams below show the flow of a successful transaction. Click to magnify.

Payment flow for 14 days:

Zinia payment flow


Payment flow for installments:

Zinia installments payment flow


Payment statuses

The table below sets out the order status and transaction status for payments and refunds.

Payment statuses for 14 days

DescriptionOrder statusTransaction status
The customer has been redirected to Zinia. You can still cancel the transaction.InitializedInitialized
Zinia has authorized the transaction. You can no longer cancel. You can only refund.CompletedInitialized
The order has been shipped. The payout period has started.
Manually change the order status to Shipped.
ShippedUncleared
MultiSafepay has settled the order, and funds have been added to your account.ShippedCompleted
Zinia declined the transaction.DeclinedDeclined
The transaction was cancelled.VoidVoid
The order wasn't shipped within 30 days and the transaction has expired.ExpiredExpired
Refunds: Refund initiated.InitializedInitialized
Refunds: Refund complete.CompletedCompleted

Payment statuses for installments

DescriptionOrder statusTransaction status
The customer has been redirected to Zinia. You can still cancel the transaction.InitializedInitialized
Zinia authorized the transaction and received the first payment from the customer. You can no longer cancel. You can only refund.CompletedInitialized
The order has been shipped. The payout period has started.ShippedUncleared
MultiSafepay has settled the order, and funds have been added to your account.ShippedCompleted
Zinia declined the transaction.DeclinedDeclined
The transaction was cancelled.VoidVoid
The customer didn't pay the first installment within 15 minutes, or you didn't ship the order within 10 days of creating the transaction.ExpiredExpired
Refunds: Refund initiated.InitializedInitialized
Refunds: Refund complete.CompletedCompleted

Activation

  1. Email a request to [email protected]
  • We check your eligibility and if approved, you will receive the Zinia contract.
  • Once signed, we activate the payment method for your account.
  1. Once approved, to activate the method in your dashboard, sign in to your MultiSafepay dashboard .
  2. To activate the payment method for:
  • All sites, go to Settings > Payment methods.
  • A specific site, go to Sites, and then click the relevant site.
  1. Select the checkbox for the payment method, and then click Save changes.

πŸ’¬ Support: If the payment method isn't visible in your dashboard, email [email protected]

Integration

API

See API reference – Create order > BNPL order.

Example requests

For example requests, on the Create order page, in the black sandbox, see Examples > Zinia direct/redirect.


Ready-made integrations

You can use Zinia gateway ID using a generic gateway in several of our ready-made integrations (redirect).

User guide

Addresses

The customer's billing and shipping addresses must be the same to prevent fraud.

Amount limits

Minimum and maximum order amounts apply. Email [email protected]

Cancellation

You can cancel the order before shipment or after partial shipment.

How to cancel an order

In your dashboard

  1. Sign in to your MultiSafepay dashboard .
  2. Go to Transactions > Transaction overview, and then click the relevant transaction.
  3. On the Transaction details page, click Cancel.
  4. Add a description of what happened with the order, and then click Complete.
    The order status changes to Void and the transaction status to Cancelled.

Collection flow

Collection flow for 14 days
  • The collection only starts after the order has been shipped to the customer.
  • Zinia sends the customer an invoice after the order is shipped in full, or partially shipped, and the remaining items cancelled.
  • If the customer fails to pay within 14 days, Zinia sends reminders of their obligation to pay with an added fee.
  • The customer can contact Zinia if there is an issue with the payment.
  • If the customer still fails to pay, Zinia sends the invoice to a debt collector.

Collection flow for installments
  • The collection only starts when the customer pays installment 1 of the order.
  • Zinia sends the customer an invoice for the second installment after installment first payment is made. The second installment is due within 30 days.
  • Zinia sends reminders to the customer 5 days before and on the day of each installment due.
  • If the customer fails to pay within 14 days of overdue installments, Zinia sends reminders of their obligation to pay with an added fee.
  • The customer can contact Zinia if there is an issue with the payment.
  • If the customer still fails to pay, Zinia sends the invoice to a debt collector.

Expiration and extensions

Expiration period for 14 days

The default expiration period for an order is 30 days after it was created. If the order is not at least partially shipped within this period, it is cancelled and refunded.

After the first partial shipment, the expiration period is reduced. You have 30 days to ship the remaining items, or the order expires. The capture period can be extended twice, each by 14 days.

If an order cannot be shipped within 30 days and you do not want to cancel the order, you can extend the expiration period to a maximum of 180 days. After this time, the order is canceled and refunded.Β 

Expiration period for installments

The default expiration period for an order is 10 days after it was created. If the order is not at least partially shipped within this period, it is cancelled and refunded.

After the first partial shipment, the expiration period is reduced. You have 10 days to ship the remaining items, or the order expires. The capture period can be extended twice, each by 14 days.

You cannot extend the shipping period of an installment transaction. After 10 days, the order is canceled and refunded.Β 

After an order expires, the expiration period cannot be extended.

How to extend an order

In your dashboard

  1. Sign in to your MultiSafepay dashboard .
  2. Go to Transactions > Transaction overview, and then click the relevant transaction.
  3. On the Transaction details page, click Extend.
    While extended, the order status remains Completed and the transaction status remains Uncleared.

Via API

See API reference – Put PAD order on hold.


Payment methods

Customers pay Zinia via iDEAL or a bank transfer.

Refunds

After shipment, the order can be refunded fully or partially.

About partial refunds

For partial refunds:

Amount paidOutcome
Equal to new order amountThe order is completed.
Less than new order amountThe order is updated.
More than new order amountThe order is completed and the outstanding amount refunded.

How to refund an order

In your dashboard

  1. Sign in to your MultiSafepay dashboard .
  2. Go to Transactions > Transaction overview, and then click the relevant transaction.
  3. On the Transaction details page, click Refund order.
  4. In the Reason / Description field, enter the reason for the refund or a description of what happened with the order, and then click Complete.
  5. In the Comment field, enter any additional information.
  6. In the Amount fields, enter the amount to refund.
  7. Click Continue.
  8. Review the Refund confirmation, and then click Confirm.

Via the API

See API reference – Refund order.


Shipment

  • Share the track & trace details with the customer and MultiSafepay, if relevant.
  • You can ship orders in full or in multiple parts. See Partially ship order below.
  • For 14 days: You must update the order status to Shipped within 30 days, or otherwise the order expires. See Update the order status below.
  • For installments: You must update the order status to Shipped within 10 days, or otherwise the order expires. See Update the order status below.

Partially ship order

How to partially ship an order

If you cannot ship all the items for an order at the same time, you can ship the order in multiple parts.

See API reference – Update or cancel order > Ship order.

Collection flow

Zinia begins the collection flow after at least 1 partial shipment if all other items from the order are cancelled.

Zinia does not invoice partial shipment amounts separately.

Expiration

After the first partial shipment, you have 10 days to ship the remaining items, or the order expires.

Installments

Partial shipment is supported for installments orders.

Integration

A unique shipment order_id is generated for each partial shipment.

See API reference – Update or cancel order > Ship order.

Notifications

You receive a webhook notification when the order status of each partial shipment changes to Shipped.

The status of the main transaction never changes to Completed. It remains Initialized, with a flag.

Refunds

You must must refund partial shipments separately, using the specific shipment order_id, instead of the original invoice order_id.

See API reference – Refund order.

❗️Note: To partially ship an order, email a request to [email protected])


Update the order status

How to update the order status

When you ship the order, you must update the order status via the dashboard or your integration from Completed to Shipped to receive your payout, and to prevent the order from expiring.

In your dashboard

  1. Sign in to your MultiSafepay dashboard .
  2. Go to Transactions > Transactions overview, and then click the relevant transaction.
  3. On the Transaction details page, under Order details, click Change order status.
  4. From the Change status to list, select Shipped.
  5. In the Memo field, enter a comment.
  6. Click OK.

Via the API

See API reference – Update or cancel order.


Surcharges

Due to changes to the Wet op het consumentenkrediet, merchants who apply surcharges to BNPL methods are now deemed credit providers under article 7:57 of the Burgerlijk Wetboek. This requires a permit from the Authority for Financial Markets (AFM).

We therefore strongly recommend not applying surcharges.

For more information, email [email protected]

Terms and conditions


πŸ’¬

Support

Email [email protected]

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