Buy now Pay later for your business

With iwocaPay you can have access to £15k and split the cost of payments into three equal monthly payments, interest free!

Pay wherever you are! All you need is an internet connection and your invoice’s paylink. Settle in a few clicks or by scanning a QR code.

iwocaPay's service works just like you do: fast and faff-free.

iwocaPay's service works just like you do: fast and faff-free.

Pay in three!

Benefit from our flexible payments that work for you and your business, so you're always in control.

Easy application

We’ve designed our application process to be as slick as possible: link your bank card and get going in minutes.

Purchasing power!

Say goodbye to cash flow issues.From bulk discounts to new projects, you'll never miss an opportunity again.

How to use iwocaPay


Pay Now or Pay Later?

There are lots of ways to use iwocaPay. By now, you might have had a link on an invoice or you are paying through an online checkout. Simply follow the link and choose to either Pay now or Pay later in 3 monthly payments.


Instant decision

We will ask for some of your personal and business details and give you an credit decision on your requested amount almost instantly.


Away you go

After a brief security check, the payment will be sent to your supplier in seconds, leaving you to get on with what you do best, running your business!

I managed to stabilise my business cash flow and not stress about expenses all going out at once. I can't recommend them enough

I managed to stabilise my business cash flow and not stress about expenses all going out at once. I can't recommend them enough

Jaanika Okk - Time Assist Limited

Key things to know?

Here are the some of the most frequently asked questions we hear regarding our iwocaPay service.

We'll automatically collect your minimum monthly payment using the card you register with us.

If you like you can pay more than the minimum any time, it's totally flexible. If your extra payment is the same amount or more than your next monthly payment, we'll skip it. To make extra payments just head to your iwocaPay account or give us a call - you can pay using a debit card or bank transfer.

Just double check the link with your matching invoice from your Supplier. If you're still worried, you can contact your Supplier directly and/or contact iwocaPay to verify the pay link.

As soon as you give us the go ahead, we’ll pay your Supplier via Faster Payment within a couple of hours. We already have their bank details so you don't need to do a thing.

This depends on the type of set up your supplier has, it’ll either be:

100% free for you, forever No matter how long you take to pay - no late fees or additional costs whatsoever.

Or pay as you go Spread the cost over 90 days at an interest rate based on your business. You only ever pay for the days you use - there are no other fees and you can settle up early and save on interest anytime you like.

Just login to your iwocaPay account to make a debit card payment or get details on how to make a bank transfer. If you can't make a payment get in touch with us on 020 3778 0549 and we'll work together to find a solution.

Customer support


Find out how iwocaPay helps you get paid and grow your business

Schedule a 1:1 demo to see if iwocaPay could unlock more revenue for your business and how we’ve helped others do just that. Call us from Monday to Friday (9am - 6pm)

iwoca Ltd, 101 New Cavendish St, London W1W 6XH

iwoca Limited is authorised and regulated by the Financial Conduct Authority (reference number: 723378) in relation to regulated credit agreements and are a registered account information service provider (reference number: 791804). We're also registered with the Information Commissioners Office in relation to the processing of personal information (registration number: Z3007540). iwoca Limited is incorporated in England and Wales (company number: 07798925). Our registered office is 10 Queen Street Place, London, EC4R 1AG.