Testing Credit Key in Checkout

The CREDIT KEY staging API offers a streamlined approval flow when completing the CREDIT KEY application via checkout or apply now. All third party underwriting checks are automatic passes, however, there are still conventions and rules that need to be observed:

Email

CREDIT KEY uses the customer's email addresses as a unique identifier. In order to test new customer checkout flows, we recommend using a unique email address each time using the Gmail "plus" convention:

Example: [email protected]

Phone

This value must be a valid US number. It should also be a unique phone number.

General Underwriting

Gross Annual Revenue (GAR) - this value on the business information step must be greater than 40,000.

Additionally, the number must be high enough to cover the affordability calculation for the loan/purchase amount. If you are attempting to purchase 50k worth of product and input 50k for GAR, the order will be declined. Generally, specify a number that is 4 to 5x the purchase amount to guarantee a pass.

EIN - this value must be unique, and should be a random 9-digit string of numbers

SSN - this value must be unique, and should be a random 9-digit string of numbers

Bank Connection - account number: any string of 4 or more numbers, routing number must be: 222222226

Business Type - Do not select "Marijuana Related Business". This is an unsupported business type.

SMS Verification

CREDIT KEY uses SMS/text 2-factor verification. We do not send the actual SMS from our staging API. The code is always the same: 273338. This same code is used for general authentication into the CREDIT KEY admin dashboard as well.

NOTE: email-based notifications are sent from our staging API. Only the SMS-based notifications are suppressed.

Spoofing Declines

It's possible to force certain scenarios to test what happens when an application is declined. This can be done by utilizing some canned email address conventions provided for the staging API:

NOTE: Per banking regulations, CREDIT KEY sends an "Adverse Action Letter" when customers are declined for credit reasons. If you wish to receive this email to see what your customer will be seeing, use a valid email address when testing with the "plus" conventions below.

If you're working on a system that filters out the plus symbol or some other problem using that convention, all of the below emails also respect "dot" syntax, i.e: [email protected].

Demo Video

Questions? Contact Credit Key Support