Buy Now, Pay Later with iwocaPay

Increase your order size without using your cash flow. With iwocaPay, you can place larger wholesale orders today and spread the cost with flexible payment terms — all approved in minutes at checkout.

How it works

1. Add the products you need to your basket.
   
2. Proceed to checkout.
   
3. Select iwocaPay as your payment method. 
4. Provide business details and verify your identity 
5. Get an instant decision — typically within 2 minutes.
   
6. Complete your order and receive your stock as normal.

No paperwork. No delays. No disruption to your ordering.

Flexible payment options

• 30 days to pay – just 2.5% rep cost
  
• 3 months to pay – just 2.5% rep cost
  
• Up to £30,000 credit available (subject to iwocaPay approval)

This gives you the flexibility to stock up when you need it, not just when cash allows.

Why retailers use iwocaPay

• Increase order size without upfront payment
  
• Keep shelves stocked during high-demand periods
  
• Protect your cash flow for other business expenses
  
• Take advantage of bulk pricing
  
• No need for traditional credit accounts

Use iwocaPay on your next order

The fastest way to get approved is simple:

Add your products to cart and go to checkout.

iwocaPay is available directly at checkout and only takes a couple of minutes to apply.

Start your order now →

Who can apply

iwocaPay is available to UK business customers. Approval and credit limits are set by iwocaPay based on your business details.

Important information

iwocaPay is a third-party payment provider. All credit decisions, limits and terms are determined by iwocaPay. 121 Wholesale does not influence approval decisions.

Frequently Asked Questions

How fast is approval?

Most applications are approved within 2 minutes at checkout.

Do I need to apply in advance?

No. You apply directly during checkout when placing your order.

Is this his option really free on ordering?

Yes. You dont pay a penny today. You can pay in 30 days time with 1 installment or pay in 3 months which is 3 installments adter 30 days, 60 days and 90 days.

What is the cost for longer terms?

• The 30-day payment option has 2.5% additional cost.
• 3-month payment terms at 2.5% per month on remaining statement balance meaning a 5.2% total additional cost due to installments. 

How much can I get approved for?

Credit limits can go up to £30,000, depending on iwocaPay’s assessment.