If your purchase amount comes to more than the available funds in your Zip account, you'll need to make a copayment to cover the difference in order to complete the purchase. 

How to make a copayment instore

 You can pay the difference via cash or card, depending on which payment methods the store accepts.

How to make a copayment online

You'll be prompted to enter an alternative payment method to cover the difference. Your copayment needs to come from a debit card.

If your copayment has been accepted, the balance will be charged to your Zip account. If the co-payment you are trying to make is too high then you might need to apply for a limit increase or simply contact customer care 

For smaller accounts of up to $1,000 apply for Zip Pay here.