Buy Now, Pay Later for B2B

Flexible payment terms and credit for your trade customers   

Your trade customers get up to £30,000 to spend and make payments over 1, 3 or 12 months. You get paid as soon as they checkout.

0:00 / 1:00
  • 100,000+ businesses backed by iwoca
  • No subscription fees
  • Instant settlement
Drive revenue with better payment options

Real results from real businesses

Increase trade customer purchasing power and win more sales.

Stats based on measurable results achieved by our customers.

60%
increase in
checkout conversion rate
“The customer said how simple it was, as did the sales team. I have no doubt that the speed of the purchase was the deciding factor for the customer to purchase all the tools they required there and then.”
 
45%
increase in
average order value
“We love talking to our clients about how iwocaPay is improving the way they sell to customers. From instant payouts to larger average order values, integrating iwocaPay has helped them go from strength to strength.”
 
66%
increase in
sales orders
"For some time we were on the lookout for a finance company to help us cater to our trade customers. With iwocaPay we can close more sales"



 
Get paid instantly every time

We take on all the credit risk and admin

We handle everything from credit check to customer support questions and automatically sync to your systems. As soon as your trade customer checks out we pay you. They pay us back in monthly instalments.

Control your own pricing structure

Options that support your business goals

No subscriptions. No hidden fees. No minimums. Optimise your set up for cash flow or driving more sales.

For businesses who want to increase revenue fast

Free for your customers
Your trade customers use Pay Later for free - you pay a fixed fee of the total transaction value when they do.
  • Interest free for your trade customers
  • No monthly or set up fees
  • You only pay when customers use us
  • They can settle early with no penalties
  • Instant payments to your bank account

For business who want more control over their cash flow

Free for you
Your trade customers pay interest at a representative rate based on their businesses - you don’t pay a penny.
  • Zero cost to you for Pay Later transactions
  • No monthly or set up fees
  • Customers only pay interest for the time they use
  • No penalties for early payment
  • Instant payments to your bank account
As featured in

iwocaPay FAQs

Here are some the common questions we get asked. If you don't see your question here don't hesitate to reach out to us.

Does iwocaPay credit check my customers?
How can iwocaPay offer free payments?
What happens if my customers don’t pay iwocaPay?
Book a demo

Find out if iwocaPay could work for you

You'll speak to one of our iwocaPay experts - they'll get to know you and your business to see if iwocaPay can help.

‍They'll cover an explanation of how iwocaPay works for you and your customers, a tour of the customer checkout, credit and payment plans and your supplier dashboard as well as a personalised run through of which iwocaPay features would suit your business.