After you install and activate the iwocaPay app, it appears as a payment option in your Shopify store.
Payments made through iwocaPay automatically reconcile with your store data.
With iwocaPay, your customers can pay in instalments of 30 days, 3 months, or 12 months.
If you’re using Shopify 2, you can also drag and drop iwocaPay banners onto your store to tell customers about flexible payment options before checkout.
Before You Begin
Installing the iwocaPay app takes a few minutes and needs no technical expertise.
If you offer Pay Later 30-day terms or 12-month terms, they appear alongside Pay Later 3-month terms as a single iwocaPay option at checkout.
While they can’t be displayed separately, you can still set different pricing for each option in your iwocaPay dashboard.
Find out more about Pay Later pricing structure on the concepts page.
New buyers without an existing Spending Limit go through the iwocaPay credit assessment and security checks before they can check out with Pay Later.
For some new customers, we run additional manual checks that can take around an hour.
For returning buyers with an active Spending Limit, checkout takes a few minutes.
During this time, the Shopify order sits in Payment pending.
Because Shopify handles payment confirmation natively, your Shopify order status stays in sync with iwocaPay automatically — there’s no separate webhook needed, and no manual matching required.
No automatic abandonment handling: If a buyer silently abandons checkout, the Shopify order stays in Payment pending indefinitely. Monitor for stale pending orders.
Refunds go through Shopify: Refunds are initiated in the Shopify admin. iwocaPay processes them via its Shopify refund flow, but outside test mode this involves manual review, so it isn’t instant. You can’t refund directly through iwocaPay.
Redirect after checkout: Shopify provides the redirect URL, so the buyer always returns to the correct Shopify page.
