I’m having an issue with Apple Pay or Google Pay, what should I do? If you’re experiencing issues or difficulties using Apple Pay please reach out to Apple or Google directly and they’ll be able to assist you. Related articles My Zip card was declined in the store, what should I do? How do I shop instore using the Zip app? Where can I shop instore with the Zip app? How do I get a refund for an item I bought instore using the One Time Virtual Card card with Apple/Google Pay? What is the Zip one-time card?