There are a variety of reasons why your Zip Visa Card purchase may be declined. Reasons connected to your account may include:
- Your Zip account is on-hold, deactivated, or locked. For more information refer here
- The available balance of your Zip account is less than the purchase amount
- If you have chosen to lock your Zip Visa Card via the App. To unlock your card, refer here
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The retailer you're attempting to purchase with does not accept Visa
In line with our responsible lending guidelines there are also a variety of transactions that Zip may not permit, including:
- Purchases at a retailer in a restricted industry
- Cash advance or cash withdrawals
- Wire transfers
- Balance transfer from another credit provider
- Other transactions, as specified in the Zip Visa Card Terms and Conditions