Similar to Lloyd's answer, but works with any size array.

$missing = array();
$missing[] = 'name';
$missing[] = 'zipcode';
$missing[] = 'phone';

if( is_array($missing) && count($missing) > 0 )
        {
            $result = '';
            $total = count($missing) - 1;
            for($i = 0; $i <= $total; $i++)
            { 
              if($i == $total)
                   $result .= "and ";

              $result .= $missing[$i];

              if($i < $total)
                $result .= ", ";
            }

            echo 'You need to provide your '.$result.'.';
            // Echos "You need to provide your name, zipcode, and phone."
        }

Similar to Lloyd's answer, but works with any size array.

$missing = array();
$missing[] = 'name';
$missing[] = 'zipcode';
$missing[] = 'phone';

if( is_array($missing) && count($missing) > 0 )
        {
            $result = '';
            $total = count($missing) - 1;
            for($i = 0; $i <= $total; $i++)
            { 
              if($i == $total && $total > 0)
                   $result .= "and ";

              $result .= $missing[$i];

              if($i < $total)
                $result .= ", ";
            }

            echo 'You need to provide your '.$result.'.';
            // Echos "You need to provide your name, zipcode, and phone."
        }