Credit Key B2B BNPL Messaging vs Partialy ‑ Partial Payment CODfor Shopify (2026)
Credit Key B2B BNPL Messaging and Partialy ‑ Partial Payment COD offer distinct payment flexibility solutions for Shopify merchants in 2026. Credit Key focuses on B2B businesses within the US, enabling Net 30 and extended payment terms upfront on product, cart, and checkout pages, thereby targeting higher order values and reduced cart abandonment. Its core value proposition is seamless integration and instant credit decisions. Partialy, on the other hand, is globally applicable and offers flexible payment plans, including partial payments (deposits), deferred payments, BNPL, and cash on delivery (COD). The primary difference lies in their target audience and payment structures. Credit Key caters specifically to B2B merchants needing Net 30 or extended payment terms, while Partialy serves a broader market with diverse payment options suitable for various business models, including pre-orders and COD preferences. Partialy's features also extend to advanced COD rules and customizable shipping rates, offering more granular control over payment and delivery options. While both apps aim to improve sales, Credit Key emphasizes upfront BNPL messaging for B2B, and Partialy focuses on flexible payment plans and RTO reduction across a broader audience.
At a Glance
Credit Key B2B BNPL Messaging
1 reviews
Partialy ‑ Partial Payment COD
11 reviews
Detailed Overview
Credit Key B2B BNPL Messaging
Let your customers know they can BNPL – before they reach checkout.
Key Features
- Instant credit decisions for flexible terms that reduce cart abandonment
- Drive conversions with a seamless checkout experience
- Get up and running ASAP with an easy integration and implementation
- The flexibility to manage business purchases over time and handle costs later
Partialy ‑ Partial Payment COD
Collect partial payments at checkout; enable deposits, COD fee or form & advance COD options.
Key Features
- Accept partial payment or deposits (20–50 percent or fix upfront) at checkout
- Collect remaining balance via COD (cash on delivery) or online payment
- Advanced COD rules: by order amount, location, customer, product, discounts
- Set extra discount for prepaid orders & style button according to your theme
- Configurable shipping rates for COD, COD Fee, Prepaid & Partial payment orders
Feature Comparison
| Rating | 5/5 | 5/5 |
Rating Credit Key B2B BNPL Messaging5/5 Partialy ‑ Partial Payment COD5/5 | ||
| Reviews | 1 | 11 |
Reviews Credit Key B2B BNPL Messaging1 Partialy ‑ Partial Payment COD11 | ||
| Target Audience | US B2B Merchants | Global Merchants (B2C & B2B) |
Target Audience Credit Key B2B BNPL MessagingUS B2B Merchants Partialy ‑ Partial Payment CODGlobal Merchants (B2C & B2B) | ||
| Payment Structure | BNPL (Net 30, Extended Terms) | Partial Payments, Deferred Payments, BNPL, COD |
Payment Structure Credit Key B2B BNPL MessagingBNPL (Net 30, Extended Terms) Partialy ‑ Partial Payment CODPartial Payments, Deferred Payments, BNPL, COD | ||
| Primary Benefit | Reduce Cart Abandonment, Increase Order Value | Improve Sales, Reduce RTO |
Primary Benefit Credit Key B2B BNPL MessagingReduce Cart Abandonment, Increase Order Value Partialy ‑ Partial Payment CODImprove Sales, Reduce RTO | ||
| Geographic Limitation | US Only | Global |
Geographic Limitation Credit Key B2B BNPL MessagingUS Only Partialy ‑ Partial Payment CODGlobal | ||
| COD Support | No | Yes, with Advanced Rules |
COD Support Credit Key B2B BNPL MessagingNo Partialy ‑ Partial Payment CODYes, with Advanced Rules | ||
| Pre-Order Support | No explicit mention | Yes |
Pre-Order Support Credit Key B2B BNPL MessagingNo explicit mention Partialy ‑ Partial Payment CODYes | ||
Our Verdict
For US-based B2B merchants aiming to offer Net 30 or extended payment terms to drive conversions and higher order values, Credit Key B2B BNPL Messaging is the more suitable choice. Its focus on upfront BNPL messaging and seamless integration specifically addresses B2B needs.
However, for merchants seeking diverse payment options, including partial payments, deferred payments, and COD, especially those operating globally or managing pre-orders, Partialy ‑ Partial Payment COD provides a more comprehensive solution. Its advanced COD rules and flexible payment plans offer greater customization and control, making it ideal for businesses catering to a wider range of customer preferences.
Common Questions
What type of businesses benefit most from Credit Key B2B BNPL Messaging?
Credit Key is ideal for US B2B merchants selling products or services that typically require extended payment terms, such as Net 30. Businesses with high average order values and those looking to reduce cart abandonment among B2B customers will see the greatest benefit.
In what scenarios is Partialy ‑ Partial Payment COD the better choice?
Partialy is the preferred option for merchants wanting to offer flexible payment plans, including partial payments or COD. It's particularly useful for global merchants, those selling pre-order items, and businesses wanting granular control over COD rules based on order amount, location, or product.
Can Credit Key be used for B2C transactions?
The app description explicitly targets B2B transactions, mentioning Net 30 and extended payment terms, which are common in B2B scenarios. It's not designed or optimized for B2C.
Does Partialy support recurring payments?
While Partialy supports partial and deferred payments, the description doesn't specifically mention recurring payments. It primarily focuses on dividing payments into upfront and delivery stages.
What are the integration requirements for each app?
Credit Key emphasizes easy integration and implementation, suggesting a streamlined setup process. Partialy highlights button styling to match your theme, indicating some level of customization is possible, though both apps will likely require some level of Shopify theme code adjustment to function correctly.
Get More From Your Shopify Store
Run audits for SEO, CRO, PageSpeed, and AI visibility. Get a clear report and actionable fixes.
Try Fix My Store