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iwocaPay

TRADE PAYMENTS, MADE FLEXIBLE

Spread the cost up to £30,000

Payment terms for Trade Club members, powered by iwocaPay. Pay in 30 days or 3 months interest-free, or spread the cost over 12 monthly payments.

Set up your spending limit

Credit terms without the paperwork

Trade Club doesn't run its own credit accounts. We've partnered with iwocaPay instead, so you can buy now and pay later on orders from £150 to £30,000. Set up an approved spending limit once, then draw on it across every order.

iwocaPay is available to UK-registered limited companies and LLPs.

Why pay with iwocaPay?

  • Up to £30,000

    Spread the cost on orders from £150 to £30,000.

  • Interest-free options

    0% interest on Pay in 30 days and Pay in 3.

  • Soft credit check

    Checking your limit won't affect your credit score.

  • Instant decisions

    Approved in minutes, not days.

  • Built for trade

    Open to UK-registered limited companies and LLPs.

  • One limit, every order

    Once approved, use your limit whenever you buy.

Set up your spending limit before you buy

Apply once for an approved limit of up to £30,000. It takes a few minutes and won't affect your credit score. After that, spread the cost on every Trade Club order up to your limit.

Set up your spending limit

How iwocaPay works

  • 1. Set up your limit

    Apply online in a few minutes with a soft credit check.

  • 2. Shop as normal

    Add your kit to the basket and check out at your member price.

  • 3. Choose how to pay

    Choose iwocaPay at checkout, then pick Pay Now to pay us straight from your bank, or Pay Later to spread it.

  • 4. We ship your order

    iwoca pays us right away and we process your order.

Choose the plan that suits you

  • Pay in 30 days

    Interest-free. Nothing to pay until day 30.

  • Pay in 3

    Interest-free. Three equal monthly instalments.

  • Pay in 12

    Twelve equal monthly instalments. Subject to interest.

iwocaPay FAQs

Who can use iwocaPay?

iwocaPay is available to UK-registered limited companies and LLPs. Sole traders can't use it, but you can still pay by card as normal and your member discount is unaffected.

How long do I have to repay?

Choose Pay in 30 days, Pay in 3 (both interest-free), or Pay in 12 equal monthly payments.

How much can I spread?

From £150 up to your approved limit of £30,000.

Will it affect my credit score?

Setting up your spending limit uses a soft credit check that won't affect your score.

Do I still get my Trade Club discount?

Yes. Your member discount comes off the order first. iwocaPay finances the discounted total.

How do I pay?

Set up your spending limit first, then choose iwocaPay at checkout. You'll then pick Pay Now (a bank transfer) or Pay Later.

View iwocaPay's full FAQs

Questions about iwocaPay?

Speak to an iwocaPay account manager on 020 3778 0549, or set up your spending limit online today.

Set up your spending limit
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