On Shopify, Credit Key installs from the App Store as an additional payment method for business purchases. Buyers choose Net 30, four interest-free installments or monthly terms. Credit Key carries the credit risk and pays the merchant within 48 hours after shipping. You need Credit Key merchant credentials before going live.
Setup steps
- Get approved as a Credit Key merchant.
- Install the Credit Key payment method from the Shopify App Store.
- Add it under additional payment methods in Shopify.
- Enter the public key and shared secret from Credit Key.
- Send your store domain to Credit Key's integrations team.
- Test, then switch to production.
A separate free app, B2B BNPL Messaging, shows financing messages on product and cart pages. Unusual checkout or fulfillment setups may need extra integration work.
Credit Key vs Shopify's native B2B terms
| Credit Key | Shopify native terms | |
|---|---|---|
| Terms | Net 30, Pay in 4, monthly plans | Net 7 to Net 90 |
| Who holds the receivable | Credit Key | The merchant |
| Collection risk | Credit Key | The merchant |
| When the merchant is paid | Within 48 hours of shipping | When the buyer pays |
| Buyer approval | Credit Key underwrites | Merchant assigns terms |
Native terms cost you no provider fee but tie up cash and leave collections with you. Credit Key reverses that trade.
Need money in hand, not checkout credit?
Request a personal loan through our lender network. It is a separate service from Credit Key and the request is free.
For buyers
If a Shopify store offers Credit Key, you will see it among the payment options. New buyers apply during checkout; returning ones sign in. Costs are the same as anywhere else: see rates and fees.
Go-live checklist
- Test a new-buyer application in checkout on mobile.
- Test a returning buyer.
- Confirm how fulfillment status triggers capture and payout.
- Run a refund and check it reaches Credit Key.
- Add financing messaging to product and cart pages.
- Brief your sales and support teams on what Credit Key handles and what you handle.
Common questions
Does Credit Key require Shopify Plus?
Credit Key's Shopify article does not state a Plus requirement. Confirm with its integrations team for your plan.
Can I keep my other payment methods?
Yes. Credit Key is added alongside them.
Sources
Checked November 12, 2026. We link to primary sources so you can verify each figure yourself.