Credit Key is point-of-sale financing: the buyer opens a credit line and picks Net 30 or a monthly plan at checkout. Resolve is a net-terms and accounts-receivable platform: the seller offers invoice terms and Resolve handles credit checks, advances and collections. As a buyer, you use whichever your supplier offers.
At a glance
| Credit Key | Resolve | |
|---|---|---|
| Core product | Checkout financing and pay-over-time | Net terms with AR automation |
| Who signs up | Buyer applies for a line | Seller onboards; buyers get terms |
| Longest terms | Up to 12 months (24 advertised) | Net terms, typically 30–90 days |
| Buyer experience | Credit Key-branded account, app and card | Often white-labeled under the seller's brand |
| Use across merchants | Yes, one line across partners plus a card | Tied to each seller |
If you are the buyer
You rarely get to choose. The supplier decides which service sits in its checkout. Credit Key has one advantage for buyers: the same line works across merchants and, through the Credit Key Card, beyond them.
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.
If you are the seller
Credit Key suits merchants who want a financing button that lifts conversion and order size while Credit Key carries the credit risk. Resolve suits suppliers who want to run net terms and collections as part of invoicing.
Questions to ask either provider
- What share of my buyers do you approve, and at what limits?
- When exactly am I paid, and what triggers it?
- What does the buyer pay, if anything?
- Whose brand does the buyer see on invoices and reminders?
- How are disputes and returns handled?
Approval rate matters most. Terms that most of your customers cannot get do not move sales.
Common questions
Is Resolve cheaper than Credit Key?
They price differently and to different parties. Short net terms are often free to the buyer in both; longer Credit Key plans carry a monthly fee.
Can I use both?
Yes, if different suppliers of yours offer each.
Sources
Checked November 12, 2026. We link to primary sources so you can verify each figure yourself.