Online payments

Will using IwocaPay affect my credit score? What are my Pay Later options? What are the iwocaPay terms and conditions? How do I choose IwocaPay when ordering online? How long does it take to sign up to IwocaPay? How much can I spend with IwocaPay? Why isn't my card working when I try to pay online? Do late fees apply when using IwocaPay? How do I contact IwocaPay support? Can I pay for my order via bank transfer using IwocaPay? Can I pay a proforma invoice using IwocaPay? I need to return my order, how will I receive my refund if I paid using iwocaPay? What type of businesses can use IwocaPay? Can I register with IwocaPay before placing my order? Is it safe to order online? I tried to order online but my card isn't working. What should I do? Do you accept American Express ? I need a VAT invoice, where can I get this from? What are my card payment options?