Finance

How Pay Later works

1. Select iwocaPay at the checkout

   Don’t worry if you don’t already have an account - you can sign up to iwocaPay before or at point or purchase via the checkout.

2. Choose how long you’d like to pay

   3 months or 12 months  - you’ll automatically see the options your seller offers that are available to you on this payment. If it’s your first 30 days with us you’ll only see a 3 month option.

3. Log in or sign up

   If you haven’t already got an account we’ll need a few basic details about your business and the director first. It’ll take about 2 minutes and you won’t need anything to hand.

4. See your spending limit

   Based on those details we’ll show you how much you can spend with Pay Later. You can use it over as many transactions as you like with any supplier who accepts iwocaPay.

5. We pay your supplier in full - instantly

   We do a few security checks and then we pay your supplier instantly - you’ll need some photo ID and your phone.

6. You connect your card for your monthly instalments

   iwacoPay will take care of the rest. so you never have to worry about missing a payment. If you decide to settle up early or make extra payments later there’s no hidden fees for that .