If you’re struggling to make a purchase, there are a few reasons why your Zilch card might have been declined. Here are some solutions to get you shopping again.
Your Zilch card hasn’t been enabled
Before you can shop, you need to enable your Zilch card. Enabling your card takes just a second. Follow the instructions below:
Log in to your Zilch account via the app or website
Find the store you want to shop at via the search bar
Choose Pay in 4 or Pay in 1
Click Enable card
Can’t find the store you’re looking for? Try Zilch Anywhere.
You don’t have enough money in your account
Zilch is linked to your debit card, so before you make a purchase, double-check you have the funds in that account to cover the payment.
Want to Pay in 4*? The first payment of 25% (plus any fees) is taken at checkout. Be sure to have at least 25% of the purchase price in your linked debit account when you checkout.
*18.1% APR representative
You have an overdue payment
If you miss a payment, we may put a temporary block on your Zilch account. Don’t worry, your account will automatically be reinstated once the payment has cleared.
Read more about missed payments here.
You’ve tried to shop with a blocked retailer
To keep you and your money safe, there are some purchases we don’t allow you to make using Zilch. These transactions include: gambling stores, stores selling virtual or foreign currency, money transfer services and stores selling weapons (including parts and accessories).
Your Zilch card has expired
Please check the expiry date of your Zilch card. If the card has expired, please contact Customer Support.
You haven’t signed our latest RCA
An RCA is simply a Revolving Credit Agreement. We need you to sign this before you can make any Pay in 4 purchases. Occasionally, we might update our terms of service and will need you to sign the latest version of the RCA. Don’t worry, we’ll always notify you of this via email first.
To sign the RCA, just head to your Zilch account and sign in. Once that’s sorted, you’re free to start shopping.
Problem still not fixed?
Contact Customer Support and we’ll look into this for you.