# Credit Key

**Canonical:** https://apis.io/providers/credit-key/  
**Website:** https://www.creditkey.com  
**APIs profiled:** 0

Credit Key provides a B2B payment platform that offers buy‑now‑pay‑later financing, net‑30 terms, and installment options for wholesale distributors, technology vendors, and restaurant equipment suppliers. By underwriting credit at the point of sale, Credit Key enables merchants to increase conversions, average order value, and cash‑flow efficiency while assuming the risk of repayment. The platform includes a merchant portal, a consumer‑facing Credit Key Card, and an API for integrating financing into e‑commerce and in‑store checkout flows.

## Kin Score — 2.3 / 100 (minimal)

Scored 2026-11-06 under rubric 0.27.0. Trend: flat (+0.0 from 2.3).

| Facet | Score |
|---|---|
| Discoverability | 44.6 |
| Contract Quality | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Payments**: 5.4 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |
| Pagination Ratio | na |
| Operation Distinctiveness | na |
| MCP Tool Quality | na |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Credit Key Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

B2B Payments, Financing, Buy Now Pay Later, Credit, Wholesale

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/credit-key/). Scores are computed from the provider's own public artifacts under a published rubric.