The API Solution

By implementing the iwocaPay ecommerce API, your customers can pay with flexible terms, but you receive the money in your bank immediately.

When your customer completes the iwocaPay checkout, you receive the money instantly and the order can be reconciled automatically with your back end.

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Before You Begin

These notes will help the process go smoothly.

Time and skill

The API provides a full suite of features that allow you to build a comprehensive integration with iwocaPay. This often takes around two weeks and will require an engineer.

Prerequisites

• Read the iwocaPay API documentation carefully before you begin.
• Test your integration using the iwocaPay staging environment.
• Never use the production environment to develop or test, as this will create real loan applications.
• Request both staging and production API credentials from your Account Manager.

Choose your pricing structure

With iwocaPay, you decide who covers the cost of Pay Later transactions.

You can manage your pricing preferences from your Universal pay link in the iwocaPay dashboard.

Read more about our pricing structure

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The trade customer journey

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

1. Your customer chooses Check out with iwocaPay, at which point you should create an order using the API. See Creating an order* for more information.
2. The request returns an order object, containing an order_url field.
3. Redirect your customer to the URL in order_url to complete their checkout with us.
4. The customer will go through our journey and complete the payment process, all via our self-hosted checkout.
5. We redirect the customer back to your site, to a predefined redirect_url.

You can use the API to query the status of an order at any time, see Retrieving an order for more information.