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