User journeys

This is a high-level overview of the happy path for each solution. For the detailed realities — order statuses, edge cases, and platform-specific behaviour — see the individual plugin guides and the custom integration.

Each journey is split into new customers (going through iwocaPay for the first time) and repeat customers (already approved for Pay Later).

ecommerce

New customers

This is the happy path for customers who have not yet signed up with iwocaPay, so are going through the journey for the first time.

The journey begins with a trade customer on your ecommerce platform.

1. Your trade customer selects iwocaPay Pay Later as the payment method in your checkout.

   

2. They are redirected to the iwocaPay Checkout, where they select their preferred payment terms. For ecommerce checkout, the amount and reference are populated automatically.

   

3. They enter their details and are credit assessed for the order amount. If they are approved, they continue to the next step. If they are rejected, they return to your checkout to pay with another method.

   

4. We perform ID checks.

   Note

   For some new customers, we need to run further manual checks that can take around an hour. During this time, we show the customer a message asking them to hold on. Once the checks are done, they receive an email letting them continue with checkout. If you have a time constraint on your checkout — for example, price changes or quote expiry — let us know and we can work together on a solution.

5. They add a bank card to make their payments to iwocaPay.

6. We show the customer an overview of their payment plan and the terms and conditions.

7. They confirm and are redirected back to your checkout. The funds are transferred immediately from iwocaPay to your business.

   

8. Your checkout displays appropriate messaging and reconciles the order.

   Reducing checkout time with Spending Limit Links

   This flow assumes the buyer completes their credit assessment during checkout. If you share your Spending Limit Link with buyers beforehand, steps 3 and 4 are much faster, as the buyer is treated as a repeat customer. See the Spending Limit Link tab, and Checkout timing for details.

Repeat customers

This is the happy path for customers who have already been approved for Pay Later with iwocaPay.

1. Your trade customer selects iwocaPay Pay Later as the payment method in your checkout.

2. They are redirected to the iwocaPay Checkout, where they select their preferred payment terms. The amount and reference are populated automatically.

3. They go straight to confirming their payment plan, without any further checks.

4. They check out successfully and are returned to your site.

5. Your checkout displays appropriate messaging and reconciles the order.

pay link solution

New customers

This is the happy path for customers who have not yet signed up with iwocaPay, so are going through the journey for the first time.

The journey begins with you sending a trade customer a pay link.

1. Your trade customer visits or is redirected to the pay link URL, which opens the iwocaPay Checkout. They select their preferred Pay Later payment terms.

   • The pay link URL comes from either the RESTful API or the iwocaPay dashboard.
   • For the universal pay link, the customer enters the amount and reference. For custom pay links and package pay links, these are populated automatically. See Concepts for more on pay links.

   

2. They enter their details and are credit assessed for the order amount. If they are approved, they continue. If they are rejected:

   • If the pay link URL contains a redirect_url query parameter, they are redirected back to that URL after a short delay.
   • If the pay link URL contains no query parameter, they are redirected to their trade customer dashboard.

   

3. We perform ID checks.

   Note

   For some new customers, we need to run further manual checks that can take around an hour. During this time, we show the customer a message asking them to hold on. Once the checks are done, they receive an email letting them continue with checkout. If you have a time constraint — for example, price changes or quote expiry — let us know and we can work together on a solution.

4. They add a bank card to make their payments to iwocaPay.

5. We show the customer an overview of their payment plan and the terms and conditions.

6. They confirm and are redirected to their trade customer dashboard.

7. Your iwocaPay dashboard reflects the pay link status.

   • You can also use the RESTful API to retrieve the order status.

   

   Reducing checkout time with Spending Limit Links

   This flow assumes the buyer completes their credit assessment during checkout. If you share your Spending Limit Link with buyers beforehand, steps 3 and 4 are much faster, as the buyer is treated as a repeat customer. See the Spending Limit Link tab, and Checkout timing for details.

Repeat customers

This is the happy path for customers who have already been approved for Pay Later with iwocaPay.

1. Your trade customer visits the pay link URL, which opens the iwocaPay Checkout. They select their preferred payment terms.

   • For the universal pay link, the customer enters the amount and reference. For custom pay links and package pay links, these are populated automatically.

2. They go straight to confirming their payment plan, without any further checks.

3. They check out successfully and are redirected to their trade customer dashboard.

Spending Limit Link

Your Spending Limit Link lets buyers get credit-assessed before they place an order. Once approved, they become repeat customers, so their next checkout with you takes only a few minutes.

The journey begins with you sharing your Spending Limit Link — on your website, in an email, on an invoice, or in marketing materials.

1. Your trade customer opens your Spending Limit Link.

2. They enter their details and are credit assessed. This isn’t tied to a specific order.

3. We perform ID checks.

   Note

   As with checkout, some new customers need further manual checks that can take around an hour. Doing this ahead of an order means the wait happens before checkout, not during it.

4. They see how much they’re eligible to spend with iwocaPay.

5. They’re now ready to check out instantly whenever they place an order with you — following the repeat customer journey above.