# Credit Key Reviews **Vendor:** Credit Key **Category:** [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Average Rating:** 4.7/5.0 **Total Reviews:** 34 ## About Credit Key Credit Key is the leading B2B payments company that simplifies and enhances the purchasing process through its proprietary digital platform. Hundreds of leading merchants leverage Credit Key to offer their business customers greater access to capital with fast, flexible payment options including Net Terms and Pay Over Time. Credit Key facilitates instant credit decisions to provide a streamlined buying experience whether it’s online, over the phone, or in-store. Credit Key is proven to boost revenue for merchants while enabling borrowers to better manage cash flow and grow their business. Learn more at www.creditkey.com. ## Credit Key Reviews ### 1. Credit Key is an excellent financial resource to grow your business. **Rating:** 5.0/5.0 stars **Reviewed by:** Monique B. | Small-Business (50 or fewer emp.) **Reviewed Date:** October 26, 2023 **What do you like best about Credit Key?** Credit Key is good for the buyer and the seller. It helps to build solid business relationships that can grow both parties through revolving credit lines. It gives additional financial security for cash flow, and the opportunity for businesses to take some risks, knowing that the interest rates are low, and not predatory. Revolving credit lines are invaluable to a growing buiness and Credit Key is a fast and simple program to get started with. Credit Key is an excellent resource to help increase your bottom line. **What do you dislike about Credit Key?** I wish there were more B2B vendors on Credit Key to purchase from. **What problems is Credit Key solving and how is that benefiting you?** We encounter a lot of new entreprenuers, and/or new B2B clients for our product lines who need to purchase samples that they can introduce as new products to their clients. Credit Key bridges the gap for them, to expand, and make these purchases without having to have the funds available up front. This is very helpful. ### 2. Great Alternative to Bank Financing - Solar Business **Rating:** 4.5/5.0 stars **Reviewed by:** Jennifer E. M. | Business Owner & President, Small-Business (50 or fewer emp.) **Reviewed Date:** October 26, 2023 **What do you like best about Credit Key?** Credit Key helps my customers to finalize their purchases of customer designed solar systems and solar components. While solar energy is positive for customers for many reasons, the initial cost of acquiring solar can be beyond customers' ability to pay all at once. Credit Key provides financing for these customers, who benefit from having their solar systems sooner and later and the ability to make affordable, budget-friendly payments over time. **What do you dislike about Credit Key?** Only dislike, and this is minor. Once Credit Key financing is approved for the customer, it is a few business days before we received the loan funding (proceeds). For the solar business and the high demand for solar components lately, this delay can be costly from a fulfillment process. Customers are queued into fulfillment based on payments received. We help our customers by moving them forward in the process once we are notified of Credit Key's approval. Still, we are waiting for the receipt of the loan for a few days. **What problems is Credit Key solving and how is that benefiting you?** Solar customers need assistance with financing the initial purchase of solar components and/or systems. The initial investment can be costly (higher than what many customers can pay out of pocket). Credit Key allows our customers to BNPL. They benefit from purchasing solar NOW and pay off their investment over time. WIthout financing arrangements from Credit Key, many of our customers would be unable to purchase the solar products they need immediately. And, the solar industry is experiencing more and more customer demand; thus, delays in fulfillment can be experienced. It is in everyone's best interests to be able to purchase quickly while products are available. ### 3. What a great way to offer credit terms! **Rating:** 5.0/5.0 stars **Reviewed by:** Michael G. | Small-Business (50 or fewer emp.) **Reviewed Date:** October 26, 2023 **What do you like best about Credit Key?** We are a small company and have always been nervous about offering credit terms. Now we use Credit Key and have increased our ability to attract new clients by offering credit terms in conjunction with Credit Key. Credit Key gives reasonable credit limits based on a simple credit investigation. Approval only takes a few minutes. We would ecommedn Credit Key highly. **What do you dislike about Credit Key?** Up to this point we have not found any negatives with Credit Key **What problems is Credit Key solving and how is that benefiting you?** We use Credit Key to manage A/R and it has been a plus for our business. ### 4. Not sure why everyone wouldn't use this **Rating:** 5.0/5.0 stars **Reviewed by:** Dean B. | CEO, Computer Hardware, Small-Business (50 or fewer emp.) **Reviewed Date:** October 26, 2023 **What do you like best about Credit Key?** That we are no longer the credit arm of our company. We can spend time doing other tasks. **What do you dislike about Credit Key?** Very little follow up from any reps. However not much is needed. **What problems is Credit Key solving and how is that benefiting you?** A simple way to apply for credit that usually doesn't take weeks to give a staus on terms. ### 5. Great product. Mediocre customer support. **Rating:** 4.0/5.0 stars **Reviewed by:** Cole L. | Small-Business (50 or fewer emp.) **Reviewed Date:** October 27, 2023 **What do you like best about Credit Key?** It is a great financing option for business and appears easy to qualify. **What do you dislike about Credit Key?** Their policies are unclear and they place holds, change credit limits, and cause other problems with little explanation. **What problems is Credit Key solving and how is that benefiting you?** Solves cash flow problems. Credit line was easier to obtain than most other business financing options. ### 6. Amazing **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Events Services | Small-Business (50 or fewer emp.) **Reviewed Date:** July 31, 2023 **What do you like best about Credit Key?** It's very easy to use and allows the customers to have more indepence and do everything by themselves eletronically without having to call for vendors and take steps manually. **What do you dislike about Credit Key?** The only thing I dislike is when the credit reshesh is needed to be done and the customer loses the approval or it gets avaialbe for a very small amount even when it's paid on time. But I undertand it's about their credit score changes. **What problems is Credit Key solving and how is that benefiting you?** When the customers get approved, it helps for them to place bigger order and spend and bigger amount of money in our store. Because it's so easy to use, it genetares less calls with issues to process orders and frustation. ### 7. Great team to work with! **Rating:** 5.0/5.0 stars **Reviewed by:** Mike M. | Mid-Market (51-1000 emp.) **Reviewed Date:** October 31, 2023 **What do you like best about Credit Key?** They team at Credit Key has been super responsive to all of our needs and getting started with them has been wonderful. **What do you dislike about Credit Key?** I haven't found anything yet but don't see any early red flags either. **What problems is Credit Key solving and how is that benefiting you?** Credit Key is closing the gap between what the needs of our current customers are vs what their initial investment may be. ### 8. Great Customer Service **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Manufacturing | Mid-Market (51-1000 emp.) **Reviewed Date:** October 26, 2023 **What do you like best about Credit Key?** We have used Credit Key for over a year now, with the majority of our financing customers working thru Credit Key. The portal is very user-friendly, and when I have a question on a payment, all the Customer Service Members have been incredibly helpful. **What do you dislike about Credit Key?** I struggle to find a downside to Credit Key. There are fees involved, that the company will absorb, but that should be expected as the cost of doing business. **What problems is Credit Key solving and how is that benefiting you?** Our customers use Credit Key to finance large purchases, with the funds being sent to us within the expected timeline. ### 9. I have had great experiences with the folks at Credit Key **Rating:** 5.0/5.0 stars **Reviewed by:** Shawn M. | Mid-Market (51-1000 emp.) **Reviewed Date:** November 06, 2023 **What do you like best about Credit Key?** They are easy to work with. Simple credit process and easy to navigate their site. **What do you dislike about Credit Key?** I don't really see any downside here in using the Credit Key solution? **What problems is Credit Key solving and how is that benefiting you?** We have been able to move many of our Net 30 Day Customer over to Credit Key for longer term payment solutions. ### 10. Credit Key Success **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Consumer Electronics | Small-Business (50 or fewer emp.) **Reviewed Date:** October 26, 2023 **What do you like best about Credit Key?** Approval for our clients is fast and easy. Payments are secured and fast to pay out. **What do you dislike about Credit Key?** No complaints at all. Credit key has been easy all the way around for us. **What problems is Credit Key solving and how is that benefiting you?** It gives our customers extra spending power without tying up their liquid. ### 11. Quick and simple **Rating:** 4.0/5.0 stars **Reviewed by:** Mat A. | Small-Business (50 or fewer emp.) **Reviewed Date:** November 02, 2023 **What do you like best about Credit Key?** Credit Key is quick and simple, a perfect tool to help close smaller deals. **What do you dislike about Credit Key?** I would like to see more longer term funding options. **What problems is Credit Key solving and how is that benefiting you?** Quick from ending results for customers who just need a short term payment plan. ### 12. Seamless **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Restaurants | Mid-Market (51-1000 emp.) **Reviewed Date:** September 14, 2023 **What do you like best about Credit Key?** The seamless interface is, the ease of applying and the support are all key reasons we like Credit Key **What do you dislike about Credit Key?** I would like to see a little more flexibility with promotions. A no payment for 90 days might be helpful as just a suggestion **What problems is Credit Key solving and how is that benefiting you?** Our customers are Independent Restaurant Owners. They often need to take advantage of financing, Credit Key fulfills this need ### 13. Game changer for B2B **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Consumer Goods | Small-Business (50 or fewer emp.) **Reviewed Date:** October 24, 2023 **What do you like best about Credit Key?** It is so easy to pitch, especially with how great the interest compared to todays market. **What do you dislike about Credit Key?** learning how to implement initially into the website. **What problems is Credit Key solving and how is that benefiting you?** allowing customers who wouldnt otherwise buy are now buying because of the flexibility credit key offers them. ### 14. Credit Key Offers the Best Set of Options for Providing Financing to Customers **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Manufacturing | Mid-Market (51-1000 emp.) **Reviewed Date:** October 26, 2023 **What do you like best about Credit Key?** There are Muliplites way to provide Financing Including Online during Check Out **What do you dislike about Credit Key?** Lower visiblity into who has been applying on there website **What problems is Credit Key solving and how is that benefiting you?** Options for financing available to customers ### 15. Quick and easy funding **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Food & Beverages | Small-Business (50 or fewer emp.) **Reviewed Date:** October 26, 2023 **What do you like best about Credit Key?** It's a great, self-service option for customers to get approved for financing in minutes and be out the door with product the same day! **What do you dislike about Credit Key?** Not ideal for candidates looking for larger funding amounts, we typically don't see any approvals for over $20k **What problems is Credit Key solving and how is that benefiting you?** Easy financing options for customers who need to make capital investments without always having the cash to pay for it up front ### 16. Increased Sales **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Retail | Small-Business (50 or fewer emp.) **Reviewed Date:** October 27, 2023 **What do you like best about Credit Key?** Credit Key option in our shopping cart has reduced the need to over terms to customers and manage those collections **What do you dislike about Credit Key?** I think the requirments for approval for our higher priced SKU are limited to a strict credit key number **What problems is Credit Key solving and how is that benefiting you?** increasing sales / reducing providing terms and collections ### 17. Easy and effective to use **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Wholesale | Small-Business (50 or fewer emp.) **Reviewed Date:** November 02, 2023 **What do you like best about Credit Key?** Easy to use and straight forward to set up. **What do you dislike about Credit Key?** Sometimes emails can get into spam folders **What problems is Credit Key solving and how is that benefiting you?** Easy to use and gives options for customer to pay smaller amounts over time. ### 18. Easy to apply **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Retail | Mid-Market (51-1000 emp.) **Reviewed Date:** November 01, 2023 **What do you like best about Credit Key?** Easy to apply and instant results No waiting Soft credit check **What do you dislike about Credit Key?** I have run into any issues with credit key **What problems is Credit Key solving and how is that benefiting you?** Giving options to customers ### 19. Great business **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Furniture | Small-Business (50 or fewer emp.) **Reviewed Date:** October 26, 2023 **What do you like best about Credit Key?** we have a great business experience with credit key and brings a lot of customers. **What do you dislike about Credit Key?** we like credit key and still have a business **What problems is Credit Key solving and how is that benefiting you?** no ### 20. Great company, great support **Rating:** 4.0/5.0 stars **Reviewed by:** Adam T. | Growth specialist, Small-Business (50 or fewer emp.) **Reviewed Date:** August 04, 2022 **What do you like best about Credit Key?** I like how helpful the company is when you call to get something moved on or have an issue. Very prompt and helpful. **What do you dislike about Credit Key?** I don't like that credit key only works in the US, but I imagine that's true of most companies that they can only do business in one country. **What problems is Credit Key solving and how is that benefiting you?** It's helping us get more deals done by offering affordable financing. ### 21. Excellent Magento Integration - Made Set Up Seamless **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Business Supplies and Equipment | Mid-Market (51-1000 emp.) **Reviewed Date:** November 16, 2021 **What do you like best about Credit Key?** I've integrated dozens of third-party applications over the years and can say without hesitating that integrating Credit Key was easy as advertised. We appreciated the thorough kick off call, proactive project management and team training which enabled a timely launch. **What do you dislike about Credit Key?** We needed a custom Magento 2 cart "patch" to address a couple issues and lost about a week finetuning the fix. **What problems is Credit Key solving and how is that benefiting you?** MyBinding customers needed a flexible payment option to gain more control over their purchases. With Credit Key in place, customers are able to anticipate business needs and act on purchases proactively without swallowing the full costs of machinery up front. We have been live for less than a month, and are seeing high interest in learning about the Credit Key terms and the number of applications is rising steadily as we promote the services throughout our customer journey. ### 22. Quick and easy approval. **Rating:** 5.0/5.0 stars **Reviewed by:** Brandon M. | Inside Sales Agent, Mid-Market (51-1000 emp.) **Reviewed Date:** December 18, 2021 **What do you like best about Credit Key?** The process is very easy, and we hardly have a problem with customers admitting an application. The quick approval process is nice, so the customers don't have to miss out on stock items! **What do you dislike about Credit Key?** Credit Key makes it so easy that there are hardly ever problems. The quick response and funds available almost immediately make the process even smoother. No complaints here! **What problems is Credit Key solving and how is that benefiting you?** With most customers in a start-up position, it's very important for the customers not to use all of their savings at once. Credit Key makes that option disappear to where it eliminates stress! ### 23. Credit Key - Easy to use **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Restaurants | Mid-Market (51-1000 emp.) **Reviewed Date:** November 22, 2021 **What do you like best about Credit Key?** I like the flexibility with assisting customers and how quickly the employees' response time can be. I have had customer's get approved when no other lender would give them a chance. **What do you dislike about Credit Key?** I don't have very many complaints with CK other than funds are not instant upon approval. I did not originally like the interface as a user but it has been edited and more user friendly now. **What problems is Credit Key solving and how is that benefiting you?** Funding customer's that are unable to get a line of credit with my company and are able to get adequate financing throughout a global pandemic. This has made their lives so much easier. ### 24. Some small changes need to be made **Rating:** 2.5/5.0 stars **Reviewed by:** Wesley M. | Sales Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** November 18, 2021 **What do you like best about Credit Key?** The ease of application is awesome, customers love the ability to get an instant approval and get the ball rolling on an order. **What do you dislike about Credit Key?** There is no true "Net 30". To initiate funds we have to select "Shipped", even though the order is not yet placed until funds hit our account. It would be much better to have an "Initiate wire" option and then a "Shipped" option once the item actually ships, so we do not have customers making payments on equipment that they have not yet received. **What problems is Credit Key solving and how is that benefiting you?** We have secured some additional business due to the ease of application. ### 25. They do exactly what they say they will and customer service is top notch! **Rating:** 5.0/5.0 stars **Reviewed by:** Jason M. | Sales Director, Small-Business (50 or fewer emp.) **Reviewed Date:** November 16, 2021 **What do you like best about Credit Key?** I absolutely love the chat function from a b2b perspective and having access to an agent to help with almost anything **What do you dislike about Credit Key?** I wish that the approvals included a longer-term option than 12 months **What problems is Credit Key solving and how is that benefiting you?** Quick online conversions of high-value ticket items. All the benefits we are seeing are what we expected. ### 26. credit key **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Marketing and Advertising | Small-Business (50 or fewer emp.) **Reviewed Date:** February 01, 2022 **What do you like best about Credit Key?** customer service is really great they respond quickly **What do you dislike about Credit Key?** nothing, really, it's easy to use i dont have any issues **What problems is Credit Key solving and how is that benefiting you?** credit key lets me offer our service to customers who think they dont have enough funds ### 27. Great Company and easy to work with **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Restaurants | Mid-Market (51-1000 emp.) **Reviewed Date:** November 16, 2021 **What do you like best about Credit Key?** Fast Payments on new orders for customers. **What do you dislike about Credit Key?** The only things I dislike are when customers are unable to get approved which is mainly up to the customer's credit. **What problems is Credit Key solving and how is that benefiting you?** The only problems are having to clicked the "shipped" button on an order to receive the funds. Rather then when the customer agrees to the order terms ### 28. great! very smooth! **Rating:** 5.0/5.0 stars **Reviewed by:** KRISTINA N. | sales resp, Mid-Market (51-1000 emp.) **Reviewed Date:** December 18, 2021 **What do you like best about Credit Key?** The fast response and easy process. pleasant to work with **What do you dislike about Credit Key?** I have had no bad experience with using credit key **What problems is Credit Key solving and how is that benefiting you?** I have not been able to give my customer an option for easy finances options ### 29. Great Service **Rating:** 5.0/5.0 stars **Reviewed by:** Amity B. | Inside Sales Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** November 24, 2021 **What do you like best about Credit Key?** They are super quick and efficient in getting funding for new and existing businesses. **What do you dislike about Credit Key?** There is not anything that I have run into with them that has been difficult. **What problems is Credit Key solving and how is that benefiting you?** I can assist people with getting funding for their equipment without having to hurt the bottom line ### 30. Great service **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Wholesale | Small-Business (50 or fewer emp.) **Reviewed Date:** January 12, 2022 **What do you like best about Credit Key?** Site integration, helpful customer service, overall easy to use and customers like it **What do you dislike about Credit Key?** Occasional tech errors, and our onboarding process wasn't very thorough **What problems is Credit Key solving and how is that benefiting you?** It's definitely helpful to offer credit terms to customers that we might not be able to otherwise, and have Credit Key manage the details of their payments ### 31. Credit Key is Quick and Easy To Use **Rating:** 5.0/5.0 stars **Reviewed by:** Jamie S. | Inside Sales Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** November 23, 2021 **What do you like best about Credit Key?** Ease of use and timeliness and how helpful customer service is. **What do you dislike about Credit Key?** I currently do not have any. I have had all good experiences so far. **What problems is Credit Key solving and how is that benefiting you?** Being able to get customers the equipment they need quickly. ### 32. Great Partner.. **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Events Services | Small-Business (50 or fewer emp.) **Reviewed Date:** November 16, 2021 **What do you like best about Credit Key?** Automated connectivity. Simple to send links to potential clients for them to use the portal. Many times my customers wish not to discuss financing and secure credit with CK BEFORE even calling us about stock. **What do you dislike about Credit Key?** I would like to see more promotions. A special offer for December (slow season) would be great. **What problems is Credit Key solving and how is that benefiting you?** Benefits: I have both a leasing solution and a finance solution. This is great for my "one size does not fit all" clients ### 33. Processes Need Sorting **Rating:** 3.0/5.0 stars **Reviewed by:** Verified User in Business Supplies and Equipment | Small-Business (50 or fewer emp.) **Reviewed Date:** November 18, 2021 **What do you like best about Credit Key?** The likelihood of customers being approved and the access we have via the portal makes it easier for visibility. **What do you dislike about Credit Key?** How long some processes can take and the lack of clear communication across both sides. Also that the portal itself while easy to use, is not editable by the Katom team. **What problems is Credit Key solving and how is that benefiting you?** Startup Customers who do not have a plethora of revenue have access to financing ### 34. Good 2 Go **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Business Supplies and Equipment | Mid-Market (51-1000 emp.) **Reviewed Date:** December 08, 2021 **What do you like best about Credit Key?** Credit Key is a great option when working with customers. Nick was able to help when answering my questions via chat as well. **What do you dislike about Credit Key?** Nothing at this time. The process was simple. **What problems is Credit Key solving and how is that benefiting you?** Customers that do not or may not have the money upfront or right now can now move forward. ## Credit Key Discussions - [What is Credit Key used for?](https://www.g2.com/discussions/what-is-credit-key-used-for) - 1 comment - [View Credit Key pricing details and edition comparison](https://www.g2.com/products/credit-key/reviews?section=pricing&secure%5Bexpires_at%5D=2026-05-13+10%3A22%3A06+-0500&secure%5Bsession_id%5D=16583577-bf1e-460e-8982-b236ceebed5f&secure%5Btoken%5D=d8dfef0385a3f53bad80b11099347c63e8642a632a7931acd7befff5a4c928ca&format=llm_user) ## Credit Key Features **Administration - Installment Payment and Buy Now Pay Later (BNPL)** - Email Notifications - Invoicing - Customer Portal - Loyalty Management **Reporting** - Status - Customer Credit - History **Agentic AI - Accounting & Finance** - Autonomous Task Execution **Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)** - Payment Gateway - Payment Tracking - E-commerce Integration - Payment Scheduling **Integrations** - Accounting - ERP - CPM **Transactions** - Credits - Invoices - Payments **Agentic AI - Installment Payment and Buy Now Pay Later (BNPL) features** - Adaptive Learning - Proactive Assistance - Decision Making **Workflows** - Approvals - Reconciliation **Agentic AI - Accounts Receivable Automation** - Autonomous Task Execution **AI - Accounts Receivable** - Generative - Responses - Predictive Analytics ## Top Credit Key Alternatives - [PayPal Payments](https://www.g2.com/products/paypal/reviews) - 4.4/5.0 (2,670 reviews) - [Invoiced](https://www.g2.com/products/invoiced/reviews) - 4.5/5.0 (395 reviews) - [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) - 4.4/5.0 (1,778 reviews)