My account is on hold, can I still use Pay Now? Your account will need to be unlocked in order to use the Pay Now option. You can find more information about unlocking your account here. Related articles Why can't I make a purchase? How do I set or change my Zip Pay payment schedule? Can I make a Tap & Zip purchase if my account is on-hold? Can I increase my Zip Pay credit limit? What if I have multiple debit cards on file?