There are a few reasons your purchase may have been declined, including:
Not enough money in your account
Not enough money in your account
Your first Pay over 6 weeks instalment (or whole Pay now purchase) is made at checkout. That means if there's not enough money in your linked debit card's account to cover the cost, the purchase will be declined.
You have overdue payments
You have overdue payments
We may put a temporary block on your account if you miss a payment. As soon as you clear your overdue instalments, we'll be able to remove the block. Learn more about missed payments.
You shopped at a blocked retailer
You shopped at a blocked retailer
To keep your account safe and protect you from fraud, there are certain store types that Zilch blocks. If you get 'blocked retailer' as a decline reason, this means we've stopped the purchase and no money will have left your account.
Your linked debit card has expired
Your linked debit card has expired
Please make sure the debit card you link to your Zilch account is up to date. If your card has expired, you can change it in the app:
Open the Zilch app
Go to My Account
Select Zilch account details
Select Connected debit card then Update Debit Card
Your Zilch account is out of date
Your Zilch account is out of date
You might have actions you need to complete on your Zilch account, including:
Signing a new Revolving Credit Agreement (RCA)
Still need help?
Contact Customer Support or, if you're logged into our app, you can start a Live Chat.