Credit Key is a B2B financing platform that enables merchants to offer fast, flexible payment options at every stage of the buying journey.

Customers can apply in minutes for a revolving business line of credit and, for eligible applicants, receive an instant credit decision for up to $50,000 (with higher limits available through additional underwriting). Once approved, customers can immediately use their available credit to make purchases with participating Credit Key merchants.

Credit Key assumes the credit risk and manages the financing experience, while merchants continue to own the customer relationship and order fulfillment.

How Credit Key Works

The Credit Key financing journey consists of three stages.

1. Customer Applies

Customers complete a short digital application to establish a Credit Key business line of credit.

Applications can be initiated:

Before shopping from your website or financing page
During checkout if the customer is not recognized by Credit Key
From your ERP, CRM, or other sales workflows
Through email campaigns or other marketing channels

Most eligible applicants receive an instant credit decision without impacting their personal credit score.

2. Customer Completes Their Purchase

Once approved, customers select Credit Key during checkout and choose from the payment options available to them, including:

Net 30
Four interest-free installments
Extended monthly payment terms

Existing Credit Key customers can sign in and complete their purchase immediately using their available credit line.

3. Merchant Manages the Order

After the purchase is authorized, merchants manage the order lifecycle using the Credit Key API.

Depending on the integration, merchants can:

Authorize orders
Update orders
Capture payments
Issue refunds
Receive webhook notifications
Reconcile settlements

Customer Entry Points

Customers can begin the Credit Key financing journey in two ways.

Application Flow

Launch the financing application before checkout to help customers establish purchasing power before they begin shopping.

Typical entry points include:

Financing pages
Website navigation
Product pages
CRM and ERP workflows
Sales representatives
Email campaigns

Learn more about the application flow

Checkout Flow

Launch Credit Key directly from your checkout.

Existing customers can authenticate and complete their purchase immediately. If Credit Key does not recognize the customer, the financing application is presented as part of the checkout experience before payment.

This creates a seamless experience for both new and returning customers.

Learn more about the checkout flow

Why Merchants Choose Credit Key

Credit Key helps merchants remove purchasing barriers while maintaining a streamlined buying experience.

Benefits include:

Increase conversion rates
Grow average order value
Improve customer loyalty
Offer flexible B2B payment terms
Support online, in-store, and assisted sales
Integrate with eCommerce platforms, ERPs, CRMs, and custom applications

What's Next

Ready to integrate Credit Key?

Continue to Integration Options to compare the available implementation approaches and determine which integration is right for your business.