iwocaPay gets accountants paid sooner.

Turn your invoices into an online checkout with iwocaPay. You get paid straight away, while your clients can pay upfront or your business clients have the option to pay over 3 instalments. So you get more time advising and less time writing awkward chaser emails.

Get 6 months free

Add an iwocaPay pay link to your invoices

Make them in your iwocaPay dashboard or connect your Xero account to add them automatically.

Your customer chooses to Pay Now or Pay Later

Stand apart from the competition by letting your customers choose how they pay, without taking on the risk.

You get paid up front

As soon as your customer checks out you get paid, no matter what option they choose.

Spend less time on invoice admin

Match invoices to payments with ease and no more chasing unpaid invoices.

Settle up in seconds

Free for you and your customers

As soon as they checkout, the funds are in your bank account, there’s no interest or fees.

Streamlined and secure

We pre-fill the details and take them straight to their bank account to make paying seamless, settle in a few clicks or by scanning a QR code.

A smart alternative to card payments

No fees, no interest, no failed transactions, just instant secure payments from their bank to yours.

Spread the cost

Help your business customers spend more

Let customers split larger invoices into 3 manageable monthly payments, with the first 30 days interest free.

A better service without the risk

Give flexible payment terms to suit your customers and build stronger relationships. We’ll never ask you for the money back if they don’t pay us.

Straightforward fees

A fixed 3% for any invoice settled using pay later for you and a 3.33% representative interest rate for your customers (we'll set their actual rate once they've applied). Customers only pay for the extra days they use after the first 30 and can settle up early anytime with no extra fees.

Payment features
Pay
Bank transfersCard payments
Free upfront payments
no paying just to get paid
Instant funds
without the chargeback risk
Two-click solution
no sort code or card numbers
Xero integration
payments and reconciliation working together
Pay Later for B2B customers
give flexible terms for a flat 3% subsidy fee
Get Started
Pay
  • Free upfront payments
    no paying just to get paid
  • Instant funds
    without the chargeback risk
  • Two-click solution
    no sort code or card numbers
  • Xero integration
    payments and reconciliation working together
  • Pay Later for B2B customers
    give flexible terms for a flat 3% subsidy fee
Get Started

Pricing based on your customers' needs

Your customers choose to Pay Now or Pay Later - there’s no fixed monthly costs, you only pay if they Pay Later.

Pay Now for free

Pay Now doesn't cost a penny for you or your customers

Pay as you go with Pay Later

You and your business customers only pay for what you use, there's no hidden fees or subscriptions

We’ll never ask you for the funds if your customer doesn’t pay us back and there are no other fees or minimum invoice amounts.

The first 30 days are interest free - after that they’ll just pay for the extra time they use, there’s no fees for settling up early.

At our repr. rate of 3.33% it would only cost them £34.94 to spread a £1000.00 invoice over the full 90 days.

We’ve partnered with Xero

Link iwocaPay to your Xero account

iwocaPay links with Xero seamlessly - you only need to link once, it takes about 2 min

Make life even simpler for you and your customers

Just add your iwocaPay checkout to a Xero invoice branding theme to automatically add pay links to your invoices straight from Xero.

Your iwocaPay dashboard and Xero will update each other

As soon as your customers click the iwocaPay button in their invoice, it appears in your iwocaPay dashboard. When it’s paid, it’ll update here and in Xero automatiically.

See how it works
Anastasia Ward
Fresh Law Ltd

iwocaPay is a lifesaver for us and our clients! Without iwocaPay there would be no Fresh Law. If you are a business providing goods or services to other businesses - this is a lifesaver! Awesome customer service too...