Company Database - Tinka

Be the most responsible and recommended deferred payments provider in the Netherlands and beyond.

Tinka is a deferred payments service provider based in the Netherlands, registered and authorised by The Netherlands Authority for Financial Markets (AFM). With more than half a century of experience in the deferred payments sector, we offer various solutions to our merchant partners and their customers. These solutions include Buy Now, Pay Later, and different consumer credit options.

How the payment method works

Tinka offers the whole scope of payment solutions from unregulated BNPL products such as 'Pay in 14 days' and 'Pay in 3' with 0% interest rate for the consumer to a regulated consumer credit option with 9.9% interest, in online and offline stores. Consumers have the flexibility to switch between these payment options easily in order to avoid going into debt.

Target market

  • Merchants: fashion, electronics, home and garden, furniture, e-mobility  
  • PSP

Contact details

Karlheinz Toni, CEO,

Operational area

The Netherlands, Benelux region

Year founded



Tinka is owned by a Private Equity Fund Apax Partners

License type

Registered and authorised by the Netherlands Authority for Financial Markets (AFM)


3+ million


30+ merchants

Market share

7% of a total market

Implementation requirements (non technical)

More information available upon request

Company's motto 

Be the most responsible and recommended deferred payments provider in the Netherlands and beyond. A key goal is minimising the risk for customers to end up with payment difficulties.

For customers, Tinka represents simplicity, responsibility, transparency, and convenience.

Payments Type

Debit card




Buy Now, Pay Later/Instalments/Pay by invoice

Yes, all 

  • Business model: Direct provider
  • Payment instruments used: No card needed to start instalment plan. Independent risk scoring.
  • Credit check: Yes
  • Credit application: Yes
  • Late fees: Tinka applies no late fees
  • Marketplace app: Yes
  • Interest rates: 9.9% for consumer credit; 0% for Pay in 14 days and Pay in 3. 
  • Consumer protection: More information available upon request
  • B2B commerce: We are providing our services to merchants









Settlement currencies


Processing currencies


Currency available for customers


Implementation requirements

Direct integration via API, connection through PSP partners or through available plugins such as Woocommerce, Shopware, Magento. Cashier system integrations available, as well as various card terminal integrations.

Chargeback/Buyer protection

Yes, we pay back as soon as possible after a return or complaint is completed by the merchant. Most of the times within two working days.

Automated and instant refund



More information available upon request

Fraud prevention (measures)/Risk management


Pricing/Fees structure

Based on the merchant processed volume, no setup fee is applied.

Future developments

More information available upon request


Integration technology

Direct integration via a server-to-server API (JSON REST), via partners (PSPs/ ecommerce platforms) or via plugins (WooCommerce, Magendo, Shopware), various cashier systems and card terminal integration available.

Integration support

Transactions volume

Number of transactions

More information available upon request

Transactions value

More information available upon request


Contact Tinka

Zwolle, the Netherlands
the Netherlands

Reports covering Tinka

29 Jul Payment Methods Report 2022
::: more reports