Credit Key does not publish what it charges merchants. Its BigCommerce app listing shows $0 upfront and $0 per month, which covers the app, not transaction pricing. B2B financing providers typically charge a percentage of each financed order, deducted from settlement, and the rate is set in the merchant agreement.
What is public
| Item | Published figure |
|---|---|
| BigCommerce app, upfront | $0 |
| BigCommerce app, recurring | $0 per month |
| Per-transaction merchant fee | Not published |
| Setup or integration fee | Not published |
| Buyer fees | 0% for 30 days, then from 1% per month |
Software directories describe Credit Key pricing as custom and tailored to company size and financing needs. That matches how it sells: through a demo and a quote.
How pricing in this category usually works
In B2B financing the seller normally pays a discount on each financed order, the same way card acceptance costs a percentage. Competitor TreviPay, for example, describes a transaction fee deducted from settlement that varies by program, industry and volume. Longer terms and riskier buyers cost the provider more, so they tend to cost the merchant more.
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Questions that get you a real number
- What is the fee on a Net 30 order, and on a 6- and 12-month order?
- Is there a minimum monthly volume or fee?
- Are there setup, integration or support charges?
- Who pays for returns, and is the fee refunded?
- Does pricing change with volume, and when is it reviewed?
- Can I pass any cost to the buyer, and what does the agreement allow?
Working out whether it pays
Compare the fee with what financing adds: orders you would otherwise lose, larger baskets, and the cost of running your own terms (credit checks, late payers, write-offs). If you already extend Net 30 in house, price Credit Key against your days-sales-outstanding and bad-debt rate.
A simple break-even
Suppose financing costs you a few percent of each financed order. If it converts orders you would otherwise lose, the question is your gross margin: at a 30% margin, an extra $10,000 order earns $3,000 before the fee. If it only moves existing customers from card to financing, compare the fee with your card processing cost instead. Run both cases with your own numbers before you sign.
Common questions
Is Credit Key free for merchants?
The BigCommerce app is listed at $0. Transaction pricing is not published and is set in the merchant agreement.
Do buyers pay extra when a merchant offers Credit Key?
Buyers pay nothing if they clear the order in 30 days. Longer plans carry a monthly fee paid by the buyer.
Sources
Checked November 12, 2026. We link to primary sources so you can verify each figure yourself.