Credit Key - 2026 Pricing, Features, Reviews & Alternatives

Credit Key is the leading provider of flexible, buy now pay later payments for B2B transactions. Hundreds of organizations rely on Credit Key to offer their business customers greater access to capital, faster approvals, and extended payment terms using embedded financing.

With instant credit decisions at the point of sale across all buying channels, merchant partners can meet the rising demands of modern B2B buyers by providing a streamlined, omnichannel experience for all of their customer segments—from sole proprietorships to enterprise brands.

Credit Key gives customers two ways to pay, so financing fits the purchase: Net Terms for everyday operating supplies, letting customers buy what they need now and pay on flexible terms without tying up working capital; and Monthly Installments for bigger investments in equipment, inventory, or growth, letting customers spread the cost over up to 12 months. Either way, we assume 100% of the payment risk and pay our merchant partners within 48 hours.

Our solution is proven to boost revenue for merchants, while enabling borrowers to better manage cash flow and grow their business. Credit Key is revolutionizing the traditionally long and cumbersome business financing process. Our innovative solutions are designed to drive business growth for merchant partners and customers alike.