A Tap & Zip transaction may decline at checkout due to a number of reasons, these include:
- Insufficient funds – A Tap & Zip transaction may decline if there are insufficient funds to cover the cost of your order.
- Blocked merchants – As responsible lenders, we reserve the right to block transactions with certain merchants or industries and as such, you will not be able to use Tap & Zip with these merchants.
- Suspended account – If your Zip account is suspended, please reach out to our customer experience team for assistance.
- Locked card - Your Tap & Zip transaction will fail if a temporary hold has been placed on the card. This can be switched on and off under the 'Card' section in the Zip app.
If you have confirmed the above and are still unable to complete your purchase, please reach out to our customer experience team.