---
description: Learn more about Credit Key price, benefits, and disadvantages for businesses in New Zealand. Read verified software reviews and find tools that fit your business needs.
image: https://gdm-localsites-assets-gfprod.imgix.net/images/capterra/og_logo-e5a8c001ed0bd1bb922639230fcea71a.png?auto=format%2Cenhance%2Ccompress
title: Credit Key Pricing, Reviews & Features - Capterra New Zealand 2026
---

Breadcrumb: [Home](/) > [Accounts Receivable Software](/directory/30521/accounts-receivable/software) > [Credit Key](/software/1145751/Credit-Key)

# Credit Key

Canonical: https://www.capterra.co.nz/software/1145751/Credit-Key

> Credit Key is the leading provider of flexible, buy now pay later payments for B2B transactions.
> 
> Verdict: Rated \*\*\*\* by 0 users. Top-rated for **Overall Quality**.

-----

## Overview

### Who Uses Credit Key?

Growing ecommerce brands, marketplaces, PSPs, and bill pay platforms selling wholesale to US SMB and enterprise businesses

## About the vendor

- **Company**: Credit Key
- **Location**: Los Angeles, US
- **Founded**: 2015

## Commercial Context

- **Starting Price**: US$0.00
- **Pricing model**: Usage Based (Free version available)
- **Target Audience**: 51–200, 201–500, 501–1,000, 1,001–5,000, 5,001–10,000, 10,000+
- **Deployment & Platforms**: Cloud, SaaS, Web-based
- **Supported Languages**: English
- **Available Countries**: United States

## Features

- ACH Payment Processing
- Billing & Invoicing
- Multiple Payment Options
- Online Payments
- Recurring/Subscription Billing

## Support Options

- Email/Help Desk

## Category

- [Accounts Receivable Software](https://www.capterra.co.nz/directory/30521/accounts-receivable/software)

## Related Categories

- [Accounts Receivable Software](https://www.capterra.co.nz/directory/30521/accounts-receivable/software)
- [Payment Processing Software](https://www.capterra.co.nz/directory/30232/payment-processing/software)
- [Financial Services Software](https://www.capterra.co.nz/directory/31123/financial-services/software)

## Alternatives

1. [Reckon One](https://www.capterra.co.nz/software/154538/reckon-one) — 4.6/5 (146 reviews)
2. [QuickBooks Enterprise](https://www.capterra.co.nz/software/46497/quickbooks-enterprise) — 4.5/5 (20689 reviews)
3. [QuickBooks Online](https://www.capterra.co.nz/software/141374/quickbooks-online) — 4.3/5 (8547 reviews)
4. [FreshBooks](https://www.capterra.co.nz/software/142390/freshbooks) — 4.5/5 (4529 reviews)
5. [Xero](https://www.capterra.co.nz/software/169561/xero) — 4.4/5 (3332 reviews)

## Links

- [View on Capterra](https://www.capterra.co.nz/software/1145751/Credit-Key)

## This page is available in the following languages

| Locale | URL |
| en | <https://www.capterra.com/p/10091906/Credit-Key/> |
| en-AE | <https://www.capterra.ae/software/1145751/Credit-Key> |
| en-AU | <https://www.capterra.com.au/software/1145751/Credit-Key> |
| en-CA | <https://www.capterra.ca/software/1145751/Credit-Key> |
| en-GB | <https://www.capterra.co.uk/software/1145751/Credit-Key> |
| en-IE | <https://www.capterra.ie/software/1145751/Credit-Key> |
| en-IL | <https://www.capterra.co.il/software/1145751/Credit-Key> |
| en-IN | <https://www.capterra.in/software/1145751/Credit-Key> |
| en-NZ | <https://www.capterra.co.nz/software/1145751/Credit-Key> |
| en-SG | <https://www.capterra.com.sg/software/1145751/Credit-Key> |
| en-ZA | <https://www.capterra.co.za/software/1145751/Credit-Key> |

-----

## Structured Data

<script type="application/ld+json">
  {"@context":"https://schema.org","@graph":[{"name":null,"address":{"@type":"PostalAddress","addressLocality":null,"addressRegion":null,"postalCode":null,"streetAddress":null},"description":"Capterra New Zealand helps millions of people find the best business software with user reviews, ratings and price comparisons.","email":"info@capterra.co.nz","url":"https://www.capterra.co.nz/","logo":"https://dm-localsites-assets-prod.imgix.net/images/capterra/logo-a9b3b18653bd44e574e5108c22ab4d3c.svg","@type":"Organization","@id":"https://www.capterra.co.nz/#organization","parentOrganization":"G2.com, Inc.","sameAs":["https://twitter.com/capterra","https://www.facebook.com/Capterra/","https://www.linkedin.com/company/capterra","https://www.instagram.com/capterra/","https://www.youtube.com/user/CapterraTV"]},{"name":"Credit Key","description":"Credit Key is the leading provider of flexible, buy now pay later payments for B2B transactions. Growth organizations rely on Credit Key to offer their business customers greater access to capital, faster approvals, and extended payment terms using embedded financing.\n\nWith 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.\n\nCredit 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","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductScreenshot/da30d2f2-d705-4477-8387-942243a5b93e.png","url":"https://www.capterra.co.nz/software/1145751/Credit-Key","@type":"SoftwareApplication","@id":"https://www.capterra.co.nz/software/1145751/Credit-Key#software","applicationCategory":"BusinessApplication","publisher":{"@id":"https://www.capterra.co.nz/#organization"},"offers":{"price":"0","@type":"Offer","priceCurrency":"USD"},"operatingSystem":"Cloud"},{"@type":"FAQPage","@id":"https://www.capterra.co.nz/software/1145751/Credit-Key#faqs","mainEntity":[{"name":"What Is Credit Key?","@type":"Question","acceptedAnswer":{"text":"Credit Key is the leading provider of flexible, buy now pay later payments for B2B transactions. Growth 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","@type":"Answer"}},{"name":"Who Uses Credit Key?","@type":"Question","acceptedAnswer":{"text":"Growing ecommerce brands, marketplaces, PSPs, and bill pay platforms selling wholesale to US SMB and enterprise businesses","@type":"Answer"}}]},{"@type":"BreadcrumbList","itemListElement":[{"name":"Home","position":1,"item":"/","@type":"ListItem"},{"name":"Accounts Receivable Software","position":2,"item":"/directory/30521/accounts-receivable/software","@type":"ListItem"},{"name":"Credit Key","position":3,"item":"/software/1145751/Credit-Key","@type":"ListItem"}],"@id":"https://www.capterra.co.nz/software/1145751/Credit-Key#breadcrumblist"}]}
</script>