Purchases will fail if there are insufficient funds on your debit card to cover the first quarter instalment.
For example, if you wanted to reattempt a purchase for £100 (total cost), you would need to have £25 (a quarter of the total cost) available to cover the first quarter instalment. If you add more funds to your debit card, you’ll be good to shop again.
Suggested Articles:
1. What Happens If I Miss A Payment -
https://payzilch.zendesk.com/hc/en-gb/articles/360008682398-What-happens-if-I-miss-a-payment-
2. I am experiencing financial difficulties?
https://payzilch.zendesk.com/hc/en-gb/articles/4405230462609-I-am-currently-experiencing-financial-difficulty
3. How does my available spending limit work?
https://payzilch.zendesk.com/hc/en-gb/articles/360024752973-How-does-my-available-spending-limit-work-