Can I make a Tap to Pay purchase if my account is on-hold? Your account will need to be unlocked in order to use the Tap to Pay feature on your account. You can find more information about unlocking your account here. Related articles Why can't I make a purchase? Where can I use Tap to Pay? How do I activate Tap to Pay on my account? What happens to my Tap to Pay card if I close my Zip account? Do I need reception to make a Tap to Pay purchase?