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Gregory, please contact Buds for immediate assistance with completing your Layaway payment via LiveChat (available from 9AM to 9PM 7 days a week), the "Blue Chat Now" bottom at the bottom right of the page at 9 CST or phoning at (859) 368-0371 (available 9AM to 9PM EST Monday through Friday).
You do not need to be in the same zip code. The billing zip code for the card needs to be the same as the zip code on file with buds. I would try again or try a different card. If that doesn't work then definitely call buds before you lose your layaway.
please contact Buds for immediate assistance with completing your Layaway payment via LiveChat (available from 9AM to 9PM 7 days a week), the "Blue Chat Now" bottom at the bottom right of the page at 9 CST or phoning at (859) 368-0371 (available 9AM to 9PM EST Monday through Friday).