Offline Orders

Credit Key allows merchants to process orders outside of an integrated eCommerce checkout using the Credit Key CSR Tool.

The CSR Tool enables your sales or customer service team to create an order and send the customer a secure payment link by email or SMS. The customer follows the link to complete the Credit Key financing and payment experience.

No API or eCommerce integration is required.

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When to Use Offline Orders

Offline Orders are ideal when your business accepts orders through channels that don't use an integrated online checkout.

Common use cases include:

• Phone orders
• Email orders
• Sales representative orders
• Customer service orders
• Assisted sales
• Invoices
• ERP or CRM-driven sales processes

For automated or integrated order creation, use the Merchant API instead.

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How Offline Orders Work

The Offline Order flow consists of four steps:

1. Create the order
   A sales or customer service representative creates the customer's order using the Credit Key CSR Tool.

2. Send the payment link
   Send the customer a secure Credit Key payment link by email or SMS.

3. Customer completes financing and payment
   The customer opens the link and completes the Credit Key-hosted experience. Existing Credit Key customers can sign in and use their available credit. New customers can apply for a Credit Key line of credit before completing the purchase.

4. Manage the order
   After the customer completes the transaction, the order can be managed through Credit Key.

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Create an Offline Order

Sign in to the Credit Key Merchant Portal and open the CSR Tool.

Create a new order and provide the information required for the transaction, including the customer and order details.

Review the information before creating the payment link to ensure the order accurately reflects the customer's purchase.

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Send the Customer a Payment Link

Once the order has been created, send the secure payment link to the customer using:

• Email
• SMS

The customer can open the link on their own device and complete the Credit Key experience securely.

Your sales or customer service representative does not need to collect the customer's financing information.

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Customer Experience

When the customer opens the payment link, Credit Key manages the financing and payment experience.

Existing Credit Key Customers

If the customer already has a Credit Key account, they can authenticate, review their available payment options, and complete the purchase using their available credit.

New Customers

If the customer does not have a Credit Key account, they can complete the Credit Key financing application before completing the purchase.

Once approved, the customer can use their available Credit Key line of credit to complete the order.

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Managing Offline Orders

After the customer completes payment, use Credit Key to manage the order throughout its lifecycle.

Depending on the order status, this may include:

• Reviewing order details
• Capturing the order
• Canceling the order
• Processing refunds
• Reviewing settlement information

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Offline Orders vs. Merchant API

Both Offline Orders and the Merchant API can support sales that originate outside of a traditional eCommerce checkout.

Use Offline Orders when your team wants to create and send orders manually without development.

Use the Merchant API when orders need to be created automatically from your website, ERP, CRM, or another application.

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What's Next

Sign in to the Credit Key Merchant Portal and go to Create Order to create your first Offline Order.

If you need to automate order creation or integrate Credit Key directly with your sales systems, see Merchant API to learn about custom integration options.