Buy Now Pay Later for B2B. Avoid card fees with Pay Now. Get 100% paid up front, while trade customers spread the cost with Pay Later. We take on all the credit risk and admin.
Rated
4.9
out of 5Reviewed by
10
Xero usersTry this app
Free trial
availableListed for
3 years
February 2021Overview
Make settling up simple for you and your customers.
- Upgrade your payment experience - We streamline settling up so your customers can pay in a few clicks.
- Serve more customers and supercharge their purchasing power - Give more flexibility around how trade customers pay without taking on the risk.
- Control your costs - You decide who foots the bill for extended terms. Pay one fixed fee or let your customer pay interest: it’s your call.
- Cut invoice admin - Automatically reconcile invoices and stop spending time chasing unpaid invoices.
![iwocaPay](http://images.ctfassets.net/8y4on51kf6pi/5c8227de-91ae-4615-8b2d-4c14a227c9b5/b045be7b32a86bf706dbb9d5a10a6521/iwocaPay_Stu_Hurst_video_thumbnail.png)
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iwocaPay + Xero
iwocaPay links with Xero seamlessly so you can automate the whole process.
Just select your linked iwocaPay branding theme to let you customer pay now or later - no matter what they choose you’ll always get paid up front.
Pay Now: Settle up in seconds
- Always 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.
Pay Later: Spread the cost
- Help your business customers spend more - Let customers split larger payments into 3 or 12 manageable monthly payments.
- A better service without the risk - Give 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.
- You control the cost - You decide who foots the bill if your customer pays later. Pay one fixed fee or let your customer pay interest: it’s your call.
What’s more, iwocaPay and Xero sync automatically so you don’t have to spend time matching payments to invoices or orders.
Getting started
Here’s how it works:
- Sign up to iwocaPay - It just takes a few minutes, you won’t need anything to hand.
- Head to your iwocaPay dashboard and link Xero - Hit the ‘Integrations’ button and select ‘Xero’ to add iwocaPay to an invoice branding theme.
- Send an invoice from Xero using the linked branding theme - Use the branding theme you linked to send an invoice. If you don’t want to add iwocaPay to an invoice, just use a different branding theme.
- Your iwocaPay dashboard and Xero will update each other - As soon as your customers pay with the iwocaPay button in their invoice, your iwocaPay dashboard and Xero will update automatically.
Reviews & ratings
10 Reviews
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Most recent reviews
FJ
Frederic Jean-Baptiste
Posted 4 Feb 2022
The best solution for Payment & Credit Terms in the market
IWOCA offers an excellent payment platform with one of the easiest on-boarding process I have ever seen. It is not only useful to manage our payment and collections but a great added-value to our customer relationships. We even came up with new products and offerings leveraging the power of Iwoca. Special thanks to my account manager Zain Patel!!!
![](https://profiles.xero.com/image/c84e5d72-0cd6-4220-a463-738daeef8699_70x70.jpg)
John Pemberton
Posted 17 Dec 2021
Lots of good reasons to consider and use this company
IwocaPay are an extrememly responsive and personable company to deal with. They have the staff to help you each step of the way, and they have been patient with me (im always busy!).
The integration with Xero is very easy and allows seamless payments. What is really useful for my customers is the ability to benefit from 30/60/90 day payments and I as the retailer are paid immediately - great for cashflow.
![](https://profiles.xero.com/image/dd614659-1ea2-48dd-81bd-2a1ba6b9c5d7_70x70.jpg)
Stephen John Camileri
Posted 27 Oct 2021
Fantastic
IwocaPay staff have been very helpful with explaining the services provided and the facility has worked really well for our customers.
Response from iwocaPay
Great to hear that iwocaPay is working well for your customers Stephen, thanks for the fantastic review.
If we do anything better or if you think that there's room for improvement anywhere, please let your iwocaPay account manager know and we'll see what we can do.
Additional info
Shared data
Xero
iwocaPay
Payment Servicesshared from Xero to iwocaPay and from iwocaPay to Xero
Contactsshared from Xero to iwocaPay and from iwocaPay to Xero
Bank Transactionsshared from iwocaPay to Xero
Accountsshared from Xero to iwocaPay
Paymentsshared from iwocaPay to Xero
Invoicesshared from Xero to iwocaPay
Branding Themesshared from Xero to iwocaPay
Functions
EcommercePaymentsIndustries
Professional servicesConstruction and tradesAccountingApp details
By iwoca
Added in 2021Countries
United KingdomLanguages
EnglishSupport
Setup walkthroughContact supportpay@iwoca.co.ukContact
0203 778 0549Follow
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Although Xero reviews each app in the Xero App Store, we can’t give any guarantees. It’s up to you to assess the performance, quality and suitability of any app before going ahead.