The pay link solution lets you offer flexible payment terms to your customers without any coding or platform integration. Share a link — on your website, in an invoice, or by email — and your customers can pay with iwocaPay while you receive the funds directly in your bank account.
It needs no ecommerce platform or plugin, so it works for sellers using invoicing software, bespoke websites, or any sales channel where you can share a link.
Before You Begin
Takes less than an hour to set up. No coding skills needed.
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.
| Feature | pay link solution | API solution |
|---|---|---|
| Redirect Buyer back to Seller website | ||
| Only show Pay Later or Pay Now in checkout | ||
| Automatically reconcile payments | ||
| Define amount and reference for every order | ||
| Control pricing using universal pay link settings | ||
| Low-code solution |
Get your universal pay link.
You can find it in your iwocaPay dashboard under the pay link section. The link follows this format:
https://www.iwoca.co.uk/pay/me/supplier_handle/Add a payment button to your website or invoice.
Add a branded “Pay with iwocaPay” button that links to your universal pay link. You control the button’s design to match your website. You can place it:
Pre-fill the checkout page with a payment amount and a unique order reference by adding these query parameters:
| Query Parameter | Description |
|---|---|
| amount | Total order amount |
| reference | Order identifier for tracking |
https://www.iwoca.co.uk/pay/me/supplier_handle/?amount=2000&reference=test1234
If you prefer, you can use the universal pay link without any parameters. Your customers will enter the amount and reference on the checkout page.
You can track a pay link’s progress in your iwocaPay dashboard.
| Pay link status | What it means |
|---|---|
| Not started | Your customer hasn’t started their application yet. |
| Started | Your customer has started their application but not finished it. |
| Eligible | Your customer is eligible but still needs to finish a few things. |
| Partially approved | The customer’s order is higher than their approved spending limit. |
| Pending funds | You’ve received an order that needs to be confirmed before we release funds. |
| You’ve been paid | The funds have been sent to you. |
| Declined | Your customer isn’t eligible for iwocaPay at this time. |
| Failed | Their Pay Now payment didn’t go through — usually insufficient funds, or they left the page before completing payment. |
| Cancelled | This pay link has been cancelled. |
Once a buyer clicks your pay link, they typically complete checkout within a few minutes. New customers without an existing Spending Limit take longer, as they go through a credit assessment and security checks first — in some cases we run manual checks that can take around an hour.
The link stays active until the order is cancelled or expires, and buyers can return to a checkout in progress even if they close their browser.
Once an order shows as You’ve been paid in your dashboard, you can fulfil it as normal. Funds arrive in your bank account according to your standard payout schedule.
You’ll need to reconcile transactions manually, similar to reconciling inbound BACS or FPS payments.
Here are some ways to do this:
* Seller fees are deducted from the funds iwocaPay sends you (if you opt for Seller Pays), so the amount received won’t exactly match the order amount.
Contact us via your account manager, and we’ll be happy to assist you.