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.