Sometimes when checking out with Zip, you might see the following message:
"Your account is exclusive to a specific merchant."
If your account is exclusive, this means that you are only able to make purchases at the merchant you initially signed up with.
This may also be the cause of the issue if your instore code is being rejected at a specific retailer at the point of sale.
The good news is, you may be eligible to have your account unlocked for general use.
Please be aware, you may be assessed for a lower limit as part of this process.