If your purchase will cost more than the available funds in your Zip account, you'll need to make a co-payment to cover the difference to complete the purchase.
How to make a co-payment online
After you have proceeded through checkout and been directed to log in to your Zip account, you'll be asked to enter a debit card to cover the rest of your order.
If your co-payment 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
The maximum co-payments are:
Zip Pay: $500
Zip Money: $5000 or double your credit limit (whichever is lower)