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By iwoca
4.9 out of 5 stars
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.
out of 5
Reviewed by
Xero users
Listed for
3 years
February 2021
Key functions


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.
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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.

Reviews & ratings

4.9 out of 5 stars
10 Reviews

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Most recent reviews

Frederic Jean-Baptiste
Posted 4 Feb 2022
5 out of 5 stars

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!!!
John Pemberton
Posted 17 Dec 2021
5 out of 5 stars

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.
Stephen John Camileri
Posted 27 Oct 2021
5 out of 5 stars


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





App details

By iwoca
Added in 2021

Get started with iwocaPay

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.