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iwocaPay
B2B Pay Later at Roxie

Buy for your business. Pay over time.

Give your business more room to manage cash flow. Eligible UK Limited Companies can use iwocaPay to spread a Roxie business purchase over 1, 3 or 12 months.

Shop Salon Furniture → How it works ↓
Spending limit £30K Up to £30,000 for eligible businesses

iwocaPay can assess your business for an approved spending limit to use with participating suppliers.

Business purchases Subject to approval
Pay Later 1 / 3 / 12 Monthly payment options

Choose from the repayment options available to your business before confirming the purchase.

1 month 3 months 12 months
i
iwocaPay Pay Later is for eligible business customers.

Approval and the spending limit available depend on iwocaPay's assessment of your business. Payment terms and any applicable cost are shown before you confirm the transaction.

01 — How it works

Shop now.
Give your business time to pay.

The process is designed for B2B purchases, so you can buy equipment without using consumer finance.

01
Build your Roxie order
Choose the salon furniture, equipment or other eligible products your business needs.
02
Choose iwocaPay
Select Pay Later with iwocaPay when it is available for your business purchase.
03
Check your business
Provide some basic information about your company. iwocaPay runs a soft credit check and assesses the spending available to your business.
04
Choose & confirm
Review the available repayment option, payment schedule and any applicable cost before confirming your order.
02 — Payment terms

1, 3 or 12 months.

The options available can depend on your approved spending limit and the transaction.

1 Month Short-term business payment flexibility.
3 Months Spread the purchase across three monthly payments.
12 Months Spread a larger eligible purchase over a longer period.
03 — Spending limit

Know how much your business can spend.

Your approved iwocaPay spending limit works a little like a digital trade account.

Maximum spending limit £30K Subject to business approval

Get an approved limit before you buy.

iwocaPay can assess your company and give it a spending limit that can then be used for eligible Pay Later purchases.

✓ Use as much or as little of your approved limit as you need for an eligible transaction.
✓ iwocaPay refreshes spending limits periodically, including a review around every 30 days.
✓ Repayments can restore available spending capacity, subject to iwocaPay's ongoing assessment.
04 — What does it cost?

Check the cost before you commit.

iwocaPay can be configured in different ways, so the exact cost of Pay Later is shown to you before the transaction is confirmed.

Where interest-free is offered

Fixed monthly payments.

Some iwocaPay transactions can be offered to the buyer interest-free. Where this applies, your payment schedule will show the amounts due before you confirm.

No interest where offered
Where interest applies

Pay only for the time used.

Where an interest-bearing Pay Later option is offered, your rate is based on your business. iwocaPay allows early repayment, which can reduce the interest paid.

Exact cost shown before confirmation
05 — Eligibility

Is my business eligible?

iwocaPay Pay Later is designed for business-to-business purchasing.

✓
UK Limited Company Pay Later is currently offered to eligible UK Limited Companies.
✓
Business purchase iwocaPay is designed for trade and business-to-business transactions.
✓
iwocaPay approval Your available limit depends on iwocaPay's assessment of the company.
✓
Applying uses a soft credit check.

iwocaPay states that its Pay Later approval process uses a soft credit search, so checking eligibility does not affect your credit score.

06 — At Roxie

Invest in what your salon needs.

Salon furniture
Beauty beds, pedicure chairs, backwash units, styling chairs, manicure desks, reception furniture and other eligible professional furniture.
Professional equipment
Eligible salon devices, technology and professional equipment purchased for use within your business.
Larger orders
Use an approved spending limit toward an eligible multi-item Roxie order, subject to the available iwocaPay limit.
Ready when your business is

Buy the equipment. Keep control of cash flow.

Build your Roxie order and choose iwocaPay when Pay Later is available for your business purchase. Review the full payment schedule before confirming.

Shop Salon Furniture → Shop Salon Equipment → Ask Roxie a Question →
Product help Need help building your order?

Roxie can help with furniture, product specifications and establishing the value of your intended purchase.

Contact Roxie Cosmetics →
iwocaPay help Questions about Pay Later?

Contact iwocaPay regarding eligibility, spending limits, repayments or your iwocaPay account.

Call iwocaPay: 0203 778 0549 →
Need a different type of business finance? Explore Kennet for equipment finance or Portman for larger investments and projects.
View all payment options →
07 — Questions

The important bits.

Who can use iwocaPay Pay Later? +
iwocaPay states that UK Limited Companies can apply to use Pay Later, subject to its assessment and approval criteria.
How much can my business spend? +
iwocaPay currently offers eligible businesses spending limits of up to £30,000. The amount available to your company may be lower and can vary depending on the payment term selected.
Can I spread the cost over 12 months? +
Yes. iwocaPay currently offers Pay Later options across 1, 3 or 12 months, subject to the options available for your business and transaction.
Will applying affect my credit score? +
iwocaPay states that it uses a soft credit check when assessing a business for Pay Later, so applying does not affect your credit score.
Is iwocaPay always interest-free? +
Not necessarily. iwocaPay supports different supplier pricing setups. Some Pay Later transactions can be interest-free to the buyer, while others may involve interest based on the business. The exact cost and payment schedule are shown before you confirm.
Can I repay early? +
Yes. iwocaPay states that customers can pay more than the minimum payment or settle early. On interest-bearing Pay Later plans, repaying early can reduce the interest paid.
Could iwocaPay ask for a personal guarantee? +
iwocaPay states that a personal guarantee may be requested in some cases as part of the approval process. If required, this will be presented during the application.
What happens to my spending limit after I use it? +
Your available spending limit reduces when you use it. iwocaPay states that repayments can replenish available capacity, although the limit remains subject to ongoing assessment and can change.
Important iwocaPay information

iwocaPay Pay Later is intended for eligible business customers. Approval, spending limits, repayment terms and pricing depend on iwocaPay's assessment and the transaction.

The maximum spending limit currently advertised by iwocaPay is £30,000. This is not a guaranteed credit limit. Available spending can vary depending on your business and the payment term selected.

Pay Later can be provided using different pricing arrangements. Depending on the supplier setup, the customer may receive an interest-free option or may pay interest. Always review the repayment schedule, applicable rate, total cost and other terms before proceeding.

iwoca Ltd is incorporated in England and Wales under company number 07798925. iwoca Ltd is registered with the Financial Conduct Authority under the Payment Services Regulations 2017, reference number 791804, for the provision of payment services.

iwoca Ltd's main trading address is 1 Bedford Avenue, London, WC1B 3AU. Its registered office is 10 Queen Street Place, London, EC4R 1AG.

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Roxie Cosmetics is an Introducer Appointed Representative of Social Money Ltd t/a Dopple, a company registered in England under company number 08054296, and is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 675283. Registered with the Information Commissioner's Office under reference number ZA026178