Credit Key Flexible B2B Financing

Credit Key  is the leading provider of flexible Buy Now, Pay Later (BNPL) solutions designed specifically for B2B transactions. Credit Key partners with U.S.-based merchants generating at least $3 million in annual sales across online and offline channels. Their platform enables businesses to offer instant financing at the point of sale, allowing approved buyers to access a line of credit and spread payments over time—while merchants get paid upfront. If you’re a qualifying merchant, you can contact the Credit Key team here to get started!

The Credit Key extension for Magento 2 empowers B2B merchants to offer flexible financing options directly within the checkout process by adding Credit Key as a payment method for eligible buyers. The integration promotes financing opportunities through dynamic front-end messaging on product detail pages and cart pages, informing and incentivizing purchases throughout the buyer journey. Buyers can apply and receive real-time credit decisions in seconds, with approvals of up to $50,000 and repayment terms ranging from 30 days to 12 months.

Merchants benefit from upfront payments with no credit risk or collections burden, while the financing option increases average order value and buyer purchasing power. The extension features easy integration with Magento 2 through configurable settings and is specifically tailored for U.S.-based merchants generating $3M+ in annual revenue. By providing instant access to business credit and flexible repayment plans, merchants can reduce cart abandonment and build stronger customer relationships—turning business credit into a growth tool that offers customers the flexibility they need while increasing sales and maintaining cash flow. 

Security:

Magento sends Credit Key data via the API to begin new transactions. Users enter their data into the Credit Key system directly. Credit Key does not send customer PII data back to Magento. Additionally, Credit Key does not store credit card numbers and Credit Key only passes URLs or certain ID values to facilitate the integration. 

Therefore, Credit Key is not PCI compliant and SAQ does not apply to our business model or technology stack. 

No customer data is stored on the Magento server.

Account & Pricing:

Use of Credit Key B2B Financing requires a separate account. Additional fees apply. Contact us here to signup for an account and for pricing information.

Key Features:

• - Instant financing directly at checkout
• - Seamless integration with Magento 2
• - Fully PCI-compliant and secure
• - Admin tools to track financing transactions
• - Support for multi-store and multi-currency setups

Key Benefits:

* Instant Financing - Customers get an instant credit decision and flexible payment options at checkout.

* B2B Focused - Built for B2B transactions

* Increase average order value - Customers can buy more when financing is available.

* Secure & Compliant - Fully PCI-compliant and safe for your business.

* Fast Payout - You get paid upfront; Credit Key handles the rest.