Hello!
We're grateful for your participation in the Apple Support Community.
It sounds like you're encountering an issue with Zinia’s installment plan while trying to purchase your iPhone 16 Pro on the Apple website. Payment rejections like this can sometimes result from factors such as a failed credit check, minor inconsistencies in the personal information provided, or even a spending limit. Sometimes technical issues on the Apple site, the browser you're using, or specific Zinia requirements might also contribute.
To help resolve this, double-check that your personal details are consistent with your financial records and ensure your bank supports Zinia for Apple purchases. For further clarity, it may be helpful to reach out directly to Apple Support or Zinia’s customer service to get specific guidance on why the payment is not going through. They can often offer more targeted assistance or verify the steps needed to complete the purchase smoothly.
Hopefully, this helps you move forward with your order!
For those who prefer English, we have a dedicated community at discussions.apple.com. As your post is in English, we warmly encourage you to join our English-speaking community there.
Thank you!