There’s a smarter way to unlock accounts receivable, without the risk.
Invoice finance options are clunky, inflexible and ask you to carry the credit risk of your customers. With iwocaPay, you get paid sooner while your business customers get the terms they need. Unlike invoice finance, iwocaPay is always non-recourse, so if your customer can’t pay, you’re not on the hook.
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 transfers | Card 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 |
- Free upfront paymentsno paying just to get paid
- Instant fundswithout the chargeback risk
- Two-click solutionno sort code or card numbers
- Xero integrationpayments and reconciliation working together
- Pay Later for B2B customersgive flexible terms for a flat 3% subsidy fee
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...
