Have you actually tried it to see if the charge falls short?
Interesting though, I don't have a Zappi, I went with the Ohme, but the schedules Octopus generates for that charger have always completed the charge - I do add a 5% bump to the required figure. So, if the car needs 30% exactly, I tell Octopus I want 35%. This also allows some time for balancing if required.
If the Zappi isn't being calculated correctly you need to report it to Octopus so they can fix it. This is a beta service, so the odd issue is probably still in the system.
My charge today started when I plugged in at 16:30ish - time to get the oven on