A Zilch purchase can be declined for several reasons – most purchase declines can be resolved by checking your account, payment method and eligibility.
Was my purchase declined because there wasn't enough money available?
Was my purchase declined because there wasn't enough money available?
A Zilch purchase may be declined if there isn't enough money available on your linked debit card or bank account.
Before trying again, check that you have enough money available to cover the payment.
Was my purchase declined because I have overdue payments?
Was my purchase declined because I have overdue payments?
A Zilch purchase may be declined if you have overdue repayments on your account.
If you have overdue repayments, you may not be able to make new purchases until the overdue repayments have been resolved.
Was my purchase declined because my linked card has expired?
Was my purchase declined because my linked card has expired?
A Zilch purchase may be declined if your linked debit card has expired.
Check that your linked debit card is still active and up to date in the Zilch app before attempting the purchase again.
Was my purchase declined because my account setup isn't complete?
Was my purchase declined because my account setup isn't complete?
A Zilch purchase may be declined if your account setup has not been completed.
You may need to complete identity verification or finish setting up your Zilch account before making purchases.
Was my purchase declined because the retailer isn't supported?
Was my purchase declined because the retailer isn't supported?
A Zilch purchase may be declined if the retailer or purchase type is not supported.
Some retailers and purchase types may not be available with Zilch.
My Zilch purchase is still being declined
My Zilch purchase is still being declined
If your Zilch purchase is still being declined after checking the reasons above, there may be another issue affecting the purchase.