Credit Key Alternatives and Competitors

Four is a technology company that focuses on buy now, pay later and purchase specific financing options. Four operates in the space of eCommerce plugins that allow Retailers to empower their shoppers with payment options.

Zip's merchants enjoy higher AOV and conversion, more repeat purchases, and immediate payment. It provides instant plug and play integration and frictionless UX. No API integration required. It offers seamless integration with popular tools like WooCommerce, Shopify, BigCommerce and much more.

PayorCRM helps small and medium businesses maintain their cash flow through the automation of many finance activities. It allows its users to provide a portal where their customers can see all their past and present invoices, pay them using various payment methods, and set up auto-payments. Users can also add a billing portal link to their websites to let their customers login and pay without hassles. Customers can pay using multiple payment methods, download statements, view payment history, and more. The platform connects to QuickBooks Desktop/Online and Netsuite along with multiple other ERP/accounting software. It also features automated invoice reminders, customer portals, automated recurring ACH, and credit card payments. Users can accept from a range of payment options such as bank transfers, credit cards, and debit cards. Their offerings differ in the number of monthly invoices, integrations, multi-user access, late fees, and credit card surcharges, custom login pages, payments consulting, and more.

BizPayO is a payment tool that empowers the customers of users to pay on their website within seconds seamlessly. And all this without any additional costs. Users can accept credit cards at 0 percent costs while also adding the option of paying with eCheck or ACH for free. BizPayO automatically syncs all credit card and ACH payments to Quickbooks while enabling users to get paid in 2-3 days. Funds are directly deposited to their bank accounts via an easy-to-use payment portal. Users can also set their own recovery fees to facilitate credit card payments and keep 100 percent of every transaction. And they can set up recurring billing, collect payments from all customers, and receive payment authorization through a centralized platform with a user-friendly dashboard. BizPayO delivers a branded payment portal that has the logo of users along with their preferred payment option. Other features include embeddable payment links and instant alerts.

Splitit is a cutting-edge platform that enables the next generation of Buy Now, Pay Later (BNPL) solutions, specifically through its Installments-as-a-Service platform. Unlike traditional BNPL options, Splitit provides a powerful and effective solution for merchants to create branded installment plans, unlocking BNPL at the point of sale. Splitit helps businesses overcome the challenges associated with legacy BNPL solutions, while also providing a seamless and streamlined experience for card networks, issuers, and acquirers, all through a single network API. With its innovative platform, Splitit is transforming the world of BNPL by empowering merchants to offer flexible payment options to their customers, without the need for extensive integration or complicated software. By offering an intuitive, user-friendly platform that is easy to use, Splitit is poised to revolutionize the world of BNPL and transform the way merchants and customers think about payment solutions.

Wisetack makes it easy for businesses to increase sales by offering consumer-friendly financing options. We have robust APIs for developers, an easy sign-up process for businesses, and a beautifully simple customer experience, all designed to make financing work better.

A payment processing software that ensures speedy payments for independent software vendors (ISVs) and software platforms by providing payment infrastructure. It allows SMB SaaS, POS systems, and online marketplaces to accept integrated payments. You can create a frictionless experience with uniform onboarding, granular control of terminal settings, and streamlined reporting of online and also in transactions with this API-based solution to centrally manage your complete fleet of terminals and mobile card readers. With Clear, its white-label solution, you can expand your platform's revenue by starting with a basic and clear buy rate while maintaining complete control over merchant pricing. You have a smooth onboarding process and can start receiving payments right away. Merchants who have a Chase bank account can get same-day deposits for no extra charge. The platform also includes pre-certified terminals and card readers. With a single integration, you can simplify the payment stack and eliminate the need for EMV certification. Payments are also processed using industry-leading security standards.

Afterpay empowers customers to access the things they want and need, while still allowing them to maintain financial wellness and control, by splitting payments in four, for both online and in-store purchases. Afterpay is deeply committed to delivering positive outcomes for customers. It is focused on supporting our community of shoppers.

PayPal Credit is an open end (revolving) credit card account that provides a reusable credit line built into your account with PayPal giving you the flexibility to pay for your purchases right away or pay over time. It's easy to apply, easy to use and there whenever you need it.

Klarna makes shopping smooth with the aim to become the world’s favorite way to shop. It offer products and services to consumers and retailers within payments, social shopping, and personal finances. It turns any purchase into smaller payments.

Sezzle is a certified B Corp that offers financial education and payment options without fees and interest that make it easy for shoppers to budget and manage payments comfortably. It seamlessly integrates with popular tools like Shopify, Shopify plus, WooCommerce and much more.

At Affirm is using today’s technology to bring significant disruptive innovation to the financial industry. It focus on improving the lives of consumers by delivering simple, honest and transparent financial products. Affirm for merchants: offer customer financing and buy now pay later options for your business

Layby means you pay instalments and get the item once it's paid off. Buy now, pay later means you get the item straight away then pay it off. Consumer laws protect laybys but not buy now, pay later sales.

Comfi makes it easy to accept payments from customers without having to worry about the risks associated with such transactions. This underwriting and payments collection process is designed to protect from any potential losses. Through our connected data sources are able to accurately assess the creditworthiness of customers without the need to contact credit agencies, which means that their credit score will remain unaffected. With Comfi, user can confidently accept payments from customers without worrying about any risks.