Compare Integration Options

Integration	Best For	Credit Key Hosted Experience
Supported Platforms	Merchants using a supported eCommerce or ERP platform	Yes
Merchant API	Merchants building a custom checkout or sales workflow	Yes
Payment Partner API	Approved payment partners building embedded financing experiences	No
Offline Orders	Merchants accepting orders by phone, email, or through sales representatives	Yes

Supported Platforms

Supported Platform integrations provide the fastest path to integrating Credit Key directly into a supported commerce platform.

These pre-built integrations require minimal development and are recommended for merchants using one of Credit Key's supported eCommerce or ERP platforms.

Ideal for

Supported eCommerce platforms
Supported ERP platforms

What's Included

Pre-built platform integration
Credit Key hosted financing experience
Merchant Portal configuration
Ongoing platform updates

Learn More

Continue to Supported Platforms.

Merchant API

The Merchant API enables you to build a custom integration while leveraging Credit Key's hosted financing experience.

Your application controls the customer experience before and after financing, while Credit Key manages:

Customer authentication
Financing applications
Credit decisions
Account management
Financing checkout

Using the Merchant API, you can:

Offer financing during checkout
Offer financing before checkout using Hosted Application
Authorize and manage orders
Capture payments
Issue refunds
Receive webhook notifications

This option provides the greatest flexibility for merchants building custom websites, applications, ERP systems, or CRM integrations.

Ideal for

Custom eCommerce websites
ERP platforms
CRM platforms
Internal ordering applications
Sales representative workflows

Learn More

Continue to Merchant API.

Payment Partner API

The Payment Partner API is designed for approved payment partners that want to embed Credit Key financing directly into their own payment platform or checkout experience.

Unlike the Merchant API, this integration enables partners to provide a fully white-labeled financing experience while Credit Key powers the underlying financing platform.

Ideal for

Payment gateways
Payment processors
Commerce platforms
Embedded finance providers

Learn More

Continue to Payment Partner API.

Offline Orders

Offline Orders allow you to offer Credit Key without building an API or platform integration.

Create an order directly in the Credit Key Merchant Portal, then send the customer a secure payment link via email or SMS. The customer follows the link to complete the Credit Key financing and payment experience.

This option is ideal for businesses that accept orders outside of a traditional online checkout.

Ideal for

Phone orders
Email orders
Sales representative orders
Assisted sales
Manual invoicing workflows
Businesses that don't require an eCommerce integration

What's Included

Order creation through the Credit Key Merchant Portal
Customer payment links
Email and SMS delivery
Credit Key hosted financing and payment experience
No API integration required

Choosing the Right Integration

If you...	Recommended Integration
Use Shopify or another supported platform	Supported Platforms
Have a custom website or checkout	Merchant API
Need to integrate Credit Key with an ERP or CRM	Merchant API
Want to offer financing through custom internal sales tools	Merchant API
Build payment software for other merchants	Payment Partner API
Accept orders by phone, email, or through sales representatives and don't need an integration	Offline Orders

What's Next

Choose the option that matches how your business accepts orders:

Supported Platforms → Install a pre-built Credit Key integration.
Merchant API → Build a custom integration using Credit Key's hosted financing experience.
Payment Partner API → Build a fully embedded financing experience for your payment platform.
Offline Orders → Create orders in the Credit Key Merchant Portal and send customers payment links by email or SMS.