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Iwoca Pay Later FAQs

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How do I Pay Later with iwocaPay?
All you need to do is select Pay Later on iwocaPay checkout. This is available on all orders over £150.
How much will it cost me?
Spread the cost over 3 or 12 months 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.
How do monthly payments with Pay Later work?
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.
Can I settle my balance early?
Yes, you can settle up early any time at no extra cost. There are no early payment fees, you’ll just pay the balance outstanding on that day.
What if I miss a payment?
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.
What are the benefits of paying with iwocaPay?
Efficient cash flow - flexible payments that work for you and your business, so you're always in control. Increased purchasing power - from bulk discounts to new projects, you'll never miss an opportunity again. Happy Suppliers - your supplier always gets paid up front and you build your reputation as a great customer.
When does my Supplier get paid?
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.
What if I have a dispute with my Supplier?
If you have a dispute with your Supplier or need to cancel your order you'll need to speak with them directly - we don't offer dispute resolution or charge backs. ​ It's important you keep making repayments to iwocaPay according to your repayment schedule, even if you're expecting to get a refund from your supplier.
How do I know a pay link is genuine?
If you get sent a pay link on an invoice - 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.
Can I sign up to other finance with iwoca?
Yes, you can still use our other finance products. If you’d like to sign up for other financing from iwoca head to to apply.

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