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We accept iwocaPay to give trade customers more control over how they pay. Choose it at the checkout and pick your terms: pay now, in 30 days, over 3 months or over 12.
iwoca is a business lender that specialises in short-term credit for UK companies. iwocaPay is their trade payment product: you get an approved spending limit up to £30,000, then draw on it whenever you order from us.
For a kitchen that usually matters most on the orders too large to absorb in one month but too small to be worth arranging leasing for. A refrigeration replacement, a tableware refit, a quarter of consumables bought in one go.
The limit is set up the first time you choose iwocaPay at the checkout, and stays in place afterwards, so there is nothing to arrange again on the next order. We are paid straight away whichever term you pick, so nothing about your delivery changes.
UK Limited & LLPSole traders and partnerships are not eligible
Setting up
A few minutesAt the checkout or in advance, soft check either way
How it works
Fill your basket
Shop as normal. Any order between £150 and £30,000 qualifies.
Choose iwocaPay
Select it as your payment method. First time through, iwoca set your spending limit there and then, in a couple of minutes.
Pick your terms
Pay now, in 30 days, over 3 months or over 12. We receive the funds and process your order straight away.
Would rather know your limit before you shop?
You can set it up in advance instead — same few minutes, same soft credit check, and your limit is waiting when you come to order.
Set up a spending limit
Four ways to pay
All four are chosen at the iwocaPay checkout. You pick whichever suits the month you are having.
Free to use
Pay Now
Scan a code and pay straight from your business bank account.
A few clicks, no card details to key in
Nothing to repay afterwards
No interest and no fees
Interest free
Pay in 30 days
Take the goods now, settle in full on day 30.
Nothing to pay until day 30
One single payment, no instalments
Interest free
Interest free
Pay in 3
Three equal monthly instalments.
Split evenly across three months
Interest free
Suits a one-off replacement or a bulk order
Interest applies
Pay in 12
Twelve equal monthly instalments.
Spread across a full year
Interest is charged on this plan
iwoca shows the total repayable before you agree
iwocaPay questions
Who can use iwocaPay?
UK limited companies and LLPs, on orders from GBP 150 up to GBP 30,000. Sole traders and partnerships are not eligible. iwoca makes the decision, not us.
What are the payment options?
Pay Now settles the order straight from your bank account by scanning a code. Pay in 30 days delays payment for a month. Pay in 3 splits it into three equal monthly instalments. Pay in 12 spreads it across twelve equal monthly instalments. You choose at the iwocaPay checkout.
How do I set up a spending limit?
Two ways. Choose iwocaPay at the checkout and iwoca will set it up there in a couple of minutes, or set it up in advance using the spending limit link on this page if you would rather know your limit before you shop. Either way it takes a few minutes, uses a soft credit check only, and does not affect your credit score.
Does it cost anything to use?
Pay Now, Pay in 30 days and Pay in 3 are interest free. Pay in 12 is spread across twelve equal instalments and iwoca will show you the full cost before you agree to anything. There are no arrangement fees.
Will applying affect my credit score?
No. Setting up a spending limit uses a soft credit check, which is not visible to other lenders and does not affect your score. An active director provides a quick form of ID and registers a card for the monthly repayments.
I already have an iwoca account. Can I use it here?
Yes. Sign in with your existing details and your current terms and available balance carry across, so there is nothing to set up again.
Will I earn reward points on my order?
Yes. As soon as your order ships, reward points are credited to your account to use against future orders. They work with iwocaPay exactly as they do with any other payment method.
Who do I contact if I get stuck?
For anything about your spending limit, a payment plan or the iwocaPay checkout, call iwoca directly on 020 3778 0549 and ask for an account manager. For anything about your order, call us on 01279 876500.
Questions about iwocaPay?
iwoca have account managers who deal with this all day. For anything about your spending limit, a payment plan or the checkout, speak to them directly. For anything about your order, call us.
About iwocaPay: iwocaPay is provided by iwoca Ltd, not by Buzz Catering Supplies. Approval, terms and the credit decision are iwoca's, and are subject to status. Available to UK limited companies and LLPs on orders between £150 and £30,000.
Pay Now, Pay in 30 days and Pay in 3 are interest free. Pay in 12 is spread across twelve equal instalments and iwoca will show you the total amount repayable before you enter into any agreement.
£50 offer: available to new iwocaPay customers only, on Pay Later transactions (Pay in 30, Pay in 3 or Pay in 12) between 01/10/2026 and 31/10/2026. Full terms on our iwocaPay £50 offer terms page.
For help with iwocaPay call iwoca on 020 3778 0549. For anything about your order call us on 01279 876500, or read our privacy policy for how we handle your data.
£150 to £30,000
Approved in minutes
Soft check only
No arrangement fees