Simple answer: You cannot go over your Spending Power*.
Your Zip App Spending Power* can be found in the top right corner of your Zip App under “Spending Power.”
If your Virtual Card’s Purchase Request is too high, and above your Zip App Spending Power*, the purchase will not be approved by Zip.
If you try to charge your Zip Virtual Card more than the amount entered when creating your Purchase Request, the transaction will be declined in the merchant’s system.
If you currently have Open orders in Zip’s system and to restore your Spending Power*, please try paying off any outstanding installments before attempting the purchase request again.
To learn more about increasing your Zip Spending Power*, take a look at this article. To learn more about Zip Virtual Cards, take a look at this article.
*Your Estimated Spending Power is a point-in-time estimate of how much you may be able to spend, is not guaranteed, and is impacted by a number of factors. Zip or WebBank may decrease your estimated spending power within its reasonable discretion, including where you have previously had an unpaid balance or have an amount past due. Your spending power is not an open line of credit. Each transaction is separately reviewed for approval. For additional details, please see the terms and conditions.