Buying for your business just got faster, easier, and more flexible. Whether you’re placing a time-sensitive order, comparing suppliers, or clicking “buy now” from your phone, Credit Key’s newest tools give you more control over how and where you pay.
With the launch of the new Credit Key Card, a new mobile app, and a centralized B2B marketplace, we’re making business purchasing smoother for borrowers and more impactful for merchants.
Our three new products simplify the buying experience for B2B customers, help merchants drive more frequent purchases and increase average order value, and extend Credit Key’s flexible financing options to more points of sale than ever before.
In this article, we’ll take a closer look at how each of these new tools work, and why they’re quickly becoming the smartest way for businesses to buy what they need on their own terms.
In the past, many B2B buyers using virtual cards had to create a new card for every single transaction. That meant re-entering card details, managing single-use expiration limits, and juggling fragmented spending across vendors.
Not anymore.
With the new Credit Key Card, approved borrowers get a fixed virtual card number. This is a single, reusable digital card that can be saved to your wallet and used for purchases anywhere Mastercard is accepted for business. It brings the ease of a consumer-like experience to business finance, while still offering the control and structure that growing businesses need.
Once you’re approved for Credit Key and activate your Credit Key Card, you can make purchases on the spot, even from vendors who don’t offer Credit Key natively at checkout.
Key benefits of the Credit Key Card:
Benefits for borrowers
For smaller or growing businesses, the Credit Key Card opens up new opportunities to buy smarter without straining cash flow.
Let’s say your team is testing a new ad platform or needs to reorder marketing collateral from a vendor that doesn’t offer terms. Instead of dipping into your operating budget or skipping the purchase entirely, you can use your Credit Key Card to complete the transaction without the headache.
The same applies to time-sensitive situations. Need to reorder supplies from a vendor with a short window? Spotted a discounted equipment deal that’s ending tomorrow? The Credit Key Card gives you the power to move on those opportunities without tying up capital or waiting for a manual approval.
Even better, the card works in tandem with your Credit Key terms. You can choose from Net 30, or extended financing up to 12 months, depending on what works best for the purchase at hand. Your card simply becomes the flexible, pay-anywhere tool for using these terms more freely across the web.
While the Credit Key Card is a direct benefit for buyers, it offers significant upside for merchants too, especially those not yet integrated with Credit Key.
Because the card can be used at any business that accepts Mastercard, your buyers can still use Credit Key to pay for purchases with your business, even if you haven’t embedded Credit Key financing at checkout yet. That means fewer lost sales and more spending from high-intent, pre-approved customers.
For merchants already working with Credit Key, the card complements your direct integration by giving your customers even more confidence to make regular purchases. It reinforces the value of Credit Key’s terms and strengthens the buyer relationship with every transaction, whether it’s online, over the phone, or in-store.
Merchant advantages:
Most virtual cards in the market today are either one-time use or tied to specific vendors. That might work for occasional expenses, but it creates unnecessary friction for businesses that make frequent purchases or work across multiple suppliers. For teams who need to delegate purchasing, manage recurring orders, or simply streamline operations, single-use virtual cards are more of a hurdle than a help.
The Credit Key Card changes that. It combines the versatility of a credit card with the flexibility of embedded financing, and it does so with no hidden fees and clear repayment terms every time.
The ability to manage business purchases on the go has become a competitive advantage. That’s exactly what the new Credit Key mobile app delivers. It’s a fully integrated B2B purchasing platform that combines financing tools, account management, and a vendor marketplace in one sleek, mobile experience.
Whether you’re a time-pressured business owner placing orders from the road, a procurement manager reviewing vendor options, or a returning borrower looking to restock essentials quickly, the Credit Key app gives you the flexibility to act fast, and the clarity to stay in control of your finances.
Historically, Credit Key financing was only available at partner merchant checkouts. With the new mobile app, borrowers can apply for Credit Key directly in the app and the marketplace, without needing to be referred from a seller’s website. This means more accessibility, more autonomy, and a faster path to purchasing power.
Once approved, buyers can browse hundreds of vendors in the in-app marketplace, compare terms, filter by product category or industry, and make purchases on the spot using their preferred payment option, whether that’s Net 30, Pay in 4, or extended financing.
Because the app integrates directly with your Credit Key Card and account history, every part of your experience is seamless.
With the Credit Key mobile app, you can:
Business doesn’t always happen behind a desk. Whether you're coordinating logistics or preparing for a trade show, decisions often happen on the fly. The Credit Key app meets this reality head-on by offering a complete purchasing and financing experience from the palm of your hand.
Need to make a last-minute order while walking the floor of a supplier warehouse? Done. Want to reorder from a favorite vendor while waiting for a meeting? Easy. The Credit Key app makes it possible to act on those needs immediately, without sacrificing control over your cash flow or scrambling to track down terms.
The app is especially useful for:
With real-time sync between the Credit Key app, card, and desktop platform, there’s never a disconnect between where you make the purchase and how you manage it.
For Credit Key merchants, the mobile app opens a new channel for engagement, purchasing, and repeat business. When a borrower downloads the app, they’re actively browsing vendors, comparing terms, and preparing to make a purchase.
That means merchants included in the in-app marketplace get premium visibility in front of highly qualified, pre-approved buyers, at the highest moment of purchasing intent.
Advantages of the Credit Key app include:
As more business buyers expect consumer-style self-service and mobile-friendly B2B experiences, the Credit Key app helps merchants meet those expectations without adding friction or complexity to their current checkout flow.
In the B2B world, sourcing products is rarely simple. Buyers often navigate dozens of vendor websites, juggle multiple credit applications, and spend hours comparing options before placing a single order. That complexity slows down purchasing, and it can kill momentum at the worst possible time.
The Credit Key marketplace changes that. Built for speed, transparency, and flexibility, the marketplace gives B2B buyers a centralized place to discover vendors, browse business-critical products, and check out with flexible financing, all without switching tabs or chasing down terms.
It’s a curated, eCommerce-first experience that brings together a wide network of merchants and financing tools in one connected platform.
Unlike traditional marketplaces which were designed for retail or one-size-fits-all commerce, the Credit Key marketplace is engineered specifically for business buyers and their unique workflows.
Search is intuitive. Categories are tailored to industries like manufacturing, construction, automotive, food service, hospitality, and more. Filtering tools make it easy to zero in on what your business needs — fast.
Most importantly, the payment experience is embedded. That means you don’t need to submit a separate credit application or wait for offline approvals. If you’re already approved with Credit Key, you can shop any partner vendor and check out instantly using your existing terms.
For non-partner vendors, the marketplace simply reroutes you to complete your purchase with the Credit Key Card, which means you can still access financing, even if a merchant doesn’t yet offer Credit Key natively.
Either way, you get flexible terms. And merchants don’t have to change a thing to benefit.
Buyers no longer have to wonder whether Credit Key is available. With the marketplace, everything starts from one central place, so there’s no wasted time or disconnected shopping experiences:
Whether you're a buyer managing weekly reorders or planning a large project-based purchase, the marketplace gives you a single destination to start your purchasing process, and the flexibility to finish it on your terms.
For merchants, the marketplace enables a new way to connect with high-intent, pre-approved buyers who are already looking to make purchases with financing.
If you’re a Credit Key partner, your company details are surfaced directly in the marketplace with a checkout powered by Credit Key. That means buyers can:
Even if you’re not yet a partner, buyers can still complete purchases with you using their Credit Key Card, which means there’s zero disruption to your existing payment system, but you still benefit from a buyer who’s ready to spend.
Key merchant benefits:
The marketplace helps merchants compete not just on product, but on ease of doing business, which is a major driver of buyer loyalty and lifetime value.
With the launch of the new Credit Key Card, mobile app, and online marketplace, we’re delivering a more unified, flexible, and user-friendly way for businesses to make essential purchases on their terms.
For B2B buyers, these tools remove common roadblocks like limited payment options, clunky applications, or lack of credit access at checkout. Whether you’re restocking supplies, testing new vendors, or managing cash flow on the go, you now have everything you need in one place.
For merchants, these new features translate into more purchase activity, higher conversion rates, and stronger customer loyalty, all without additional risk. By giving your customers simple, embedded financing across more channels, you can turn more browsing into buying and more buyers into repeat business.