iwocaPay
Looking for the best B2B payments solution to support your business goals? iwocaPay offers flexible Buy Now, Pay Later (BNPL) and payment term options that help businesses improve cash flow and get paid upfront, even when customers pay over time.
Talk to us about whether iwocaPay is the right fit for your business.
About iwocaPay
iwocaPay is a business‑to‑business payment solution from UK‑based fintech iwoca that lets business sellers offer flexible payment terms to their customers while receiving their funds upfront. Sellers can add iwocaPay as a payment option on invoices, online checkout flows, or point‑of‑sale, and customers can choose to pay immediately or spread payments over instalments, with iwoca handling the credit risk and repayments.
The platform is aimed at small to medium‑sized businesses that want to improve cash flow, reduce administrative overhead from chasing payments, and offer flexible payment options to their trade customers. By taking on credit risk and managing repayments, iwocaPay is designed for businesses that sell to other businesses and want to streamline how they get paid.
Why businesses choose iwocaPay
iwocaPay is selected by businesses that require improved cash flow management, flexible payment terms for buyers, and reduced credit risk. It supports:
- Pay Later options that allow customers to spread payments over 3 or 12 months while the seller receives funds upfront.
- Integration with accounting and commerce platforms such as QuickBooks, Xero, WooCommerce, Magento, and Shopify, enabling seamless use across invoicing and online checkouts.
- Omnichannel payment acceptance, letting businesses offer iwocaPay on invoices, ecommerce checkouts, or in person.
- Trade credit spending limits, enabling eligible trade customers to access pre‑approved credit limits (e.g., up to £15,000) for multiple purchases.
- Reduced administrative burden by outsourcing credit checks, onboarding, and repayment management to iwoca.
These capabilities allow businesses to increase order volume, improve cash flow predictability, extend competitive payment terms to customers, and reduce the operational burden of payment collection.
Notable integrations include QuickBooks, Xero, WooCommerce, Magento, and Shopify.
Rixxo as your iwocaPay implementation partner
We help businesses select the best BNPL platform based on their unique business needs, which are mapped against the Rixxo Impact Framework. Our structured platform selection discovery process is designed to evaluate how platforms like iwocaPay align with operational, technical, and commercial requirements.
If iwocaPay is identified as the best solution, we provide platform planning, integration consultancy, and strategic employee and customer adoption support to facilitate successful implementation.
Not sure if iwocaPay is the best platform for your business?
Choosing the best BNPL platform isn’t about picking the biggest name, it’s about finding the one that fits your goals, systems, and growth plans.
Our Platform Selection service helps you cut through the noise with expert guidance, a proven framework, and a clear strategy.
Available integration objects
Popular integrations with iwocaPay
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