# Best Installment Payment and Buy Now Pay Later (BNPL) Software for Medium-Sized Businesses

## How Many Installment Payment and Buy Now Pay Later (BNPL) Software Products Does G2 Track?

**Total Products under this Category:** 66

### Category Stats (Aug 2026)

- **Average Rating:** 4.41/5 The average rating of products in this category, based on all submitted ratings
- **Top Trending Product:** Ratio (+3.28%) - Among all products in this category, Ratio recorded the largest rating increase compared to last month

_Last updated: August 05, 2026_

## How Does G2 Rank Installment Payment and Buy Now Pay Later (BNPL) Software Products?

**Why You Can Trust G2's Software Rankings:**

- 30 Analysts and Data Experts
- 3,900+ Authentic Reviews
- 66+ Products
- Unbiased Rankings

G2's software rankings are built on verified user reviews, rigorous moderation, and a consistent research methodology maintained by a team of analysts and data experts. Each product is measured using the same transparent criteria, with no paid placement or vendor influence. While reviews reflect real user experiences, which can be subjective, they offer valuable insight into how software performs in the hands of professionals. Together, these inputs power the G2 Score, a standardized way to compare tools within every category.

## G2 Grid® for Installment Payment and Buy Now Pay Later (BNPL) Software
 ![G2 Grid® for Installment Payment and Buy Now Pay Later (BNPL) Software plotting products by satisfaction and market presence](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl/grids.png?focus%5B%5D=1222&focus%5B%5D=107452&focus%5B%5D=159189&focus%5B%5D=1327212&focus%5B%5D=136270)

Highlighted products: PayPal Payments, Sunbit, Capchase, Ratio, and Credit Key.

Underlying data: [Grid® JSON](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl/grids.json?focus%5B%5D=paypal&focus%5B%5D=sunbit&focus%5B%5D=capchase&focus%5B%5D=ratio&focus%5B%5D=credit-key&segment=mid-market)

**Sponsored**

### Solvexia

Solvexia is the reconciliation platform built for complex, high-volume finance operations. It is used by finance and accounting teams that have outgrown spreadsheets and basic reconciliation tools, and need a platform that handles the scale, complexity, and data fragmentation that standard solutions cannot. Most reconciliation tools work well for simple, structured data. Solvexia is designed for environments where matching is difficult, data comes from multiple disconnected sources, and manual workarounds have become the norm. In high-volume environments, that gap between what standard tools can do and what the business actually requires is where Solvexia operates. Who uses Solvexia? Solvexia is typically used by mid-sized and enterprise finance teams running high-volume reconciliation processes across multiple data sources and entities. Common users include financial controllers, reconciliation managers, and finance operations teams responsible for transaction reconciliation, regulatory reporting, financial close activities, and data validation at scale. It is commonly adopted when ERP reconciliation breaks down under the weight of non-standard matching rules or unexpected data volumes, when spreadsheet workarounds have become unmanageable, or when the reconciliation process itself — not just the management of it — is the bottleneck. Core capabilities: 1. Matching intelligence that handles what others can't Solvexia automates reconciliation at a level of complexity where other tools break down. It supports one-to-many and many-to-many matching, partial matches, and timing differences across fragmented, multi-source data. Exceptions are handled automatically, without manual workarounds, and match rates are maintained even as data complexity and transaction volumes increase. Across finance teams dealing with high transaction volumes and non-standard matching requirements, Solvexia is known for maintaining high match rates where other platforms require manual intervention to fill the gaps. 2. Data connectivity across every source Solvexia connects every data source into a single automated reconciliation workflow. ERPs, bank files, payment processors like Stripe and PayPal, Excel, APIs, and databases all feed into one process, regardless of format or volume. There is no need to normalize data before it enters the platform or build custom pipelines to make sources compatible. In high-volume environments where data is spread across multiple systems with inconsistent formats, Solvexia centralizes the entire process without requiring technical resources to maintain the connections. 3. Built to scale with transaction volume, not against it Unlike tools that slow down or produce degraded match rates as data volumes grow, Solvexia is built for it. The platform handles thousands to millions of transactions without performance trade-offs, making it suitable for organizations where transaction volumes fluctuate significantly or are expected to grow. Solvexia is often used when finance teams have hit the ceiling of what their current reconciliation tool or spreadsheet process can handle, and need a platform that scales with the business rather than requiring a rebuild every time volume increases. 4. Finance-led automation, no IT dependency Workflows in Solvexia are built and maintained by finance teams, not developers. Matching logic, workflow rules, and data connections are all configurable without custom code or technical resources. There is no IT backlog standing between a finance team and a working reconciliation process, and no dependency on development resources to make changes when business requirements evolve. This matters in practice: finance teams can implement, adjust, and maintain their own processes independently, which reduces time-to-value and keeps the platform responsive to how the business actually works. 5. Workflow control and process governance Solvexia provides configurable workflows that support approvals, reviews, commentary, and audit trails. These controls allow finance teams to enforce consistent process execution, manage exceptions, and maintain the documentation required for audit and compliance purposes, without relying on manual tracking or email-based sign-off processes. How Solvexia compares Solvexia is faster to implement than enterprise compliance platforms, which are built around audit infrastructure and require significant upfront configuration. For finance teams that need matching intelligence and workflow flexibility without the enterprise overhead, Solvexia delivers the core reconciliation capability at a fraction of the cost and implementation timeline, typically 90 days. Unlike close management tools that focus on visibility into the month-end close process, Solvexia is built for teams where the reconciliation work itself is the hard problem. If the bottleneck is inside the close, not the coordination of it, Solvexia goes deeper. Compared to ERP-native reconciliation functionality, Solvexia handles the scenarios where standard tools break down: non-standard matching rules, data sources that do not conform to expected formats, and transaction volumes that exceed what the ERP was designed to support. Finance teams can configure Solvexia to adapt to the business, rather than adapting the business to fit the tool. Typical use cases: Solvexia is typically used for transaction and account reconciliation, intercompany reconciliation, payment reconciliation across processors and banks, regulatory and management reporting, rebate and incentive calculations, financial close support, and ongoing data quality monitoring across multiple entities and systems.

[Visit website](https://www.g2.com/external_clickthroughs/record?secure%5Bad_program%5D=ppc&secure%5Bad_slot%5D=category_product_list_llm&secure%5Bcategory_id%5D=1578&secure%5Bchosen_at%5D=2026-08-07T14%3A45%3A38Z&secure%5Bdisplayable_resource_id%5D=1975&secure%5Bdisplayable_resource_type%5D=Category&secure%5Bmedium%5D=sponsored&secure%5Bplacement_reason%5D=neighbor_category&secure%5Bplacement_resource_ids%5D%5B%5D=1975&secure%5Bprioritized%5D=false&secure%5Bproduct_id%5D=97931&secure%5Bresource_id%5D=1578&secure%5Bresource_type%5D=Category&secure%5Bsource_type%5D=category_page&secure%5Bsource_url%5D=https%3A%2F%2Fwww.g2.com%2Fcategories%2Finstallment-payment-and-buy-now-pay-later-bnpl%2Fmid-market&secure%5Btoken%5D=e2408c72c8c144d54b5a35999304674ce24028696c021dcb88b5d9364219098b&secure%5Burl%5D=https%3A%2F%2Fwww.solvexia.com&secure%5Burl_type%5D=company_website)

### [PayPal Payments](https://www.g2.com/products/paypal/reviews)

PayPal Payments is a comprehensive payment processing solution designed to empower businesses of all sizes to accept payments seamlessly from customers worldwide. By integrating PayPal Payments, merchants can offer a variety of payment options, enhancing the checkout experience and potentially increasing conversion rates. Key Features and Functionality: - Global Payment Acceptance: Supports transactions in over 200 markets and 140 currencies, enabling businesses to cater to a diverse customer base. - Multiple Payment Methods: Allows customers to pay using credit and debit cards, PayPal balances, and other local payment methods, providing flexibility and convenience. - Seamless Integration: Compatible with major eCommerce platforms, facilitating easy integration into existing online stores. - Advanced Security Measures: Incorporates robust fraud protection tools and compliance features to safeguard both merchants and customers. - Financial Services: Offers access to business loans and working capital, assisting merchants in managing and expanding their operations. Primary Value and Solutions Provided: PayPal Payments addresses the critical need for businesses to offer secure, efficient, and versatile payment options to their customers. By leveraging PayPal's extensive network and trusted reputation, merchants can enhance customer trust, streamline payment processes, and expand their reach to international markets. The platform's comprehensive suite of tools not only facilitates payment acceptance but also supports business growth through financial services and operational insights.

**Average Rating:** 4.4/5.0

**Total Reviews:** 2,689

#### How Do G2 Users Rate PayPal Payments?

- **Quality of Support:** 8.3/10 (Category avg: 8.5/10)
- **Payment Scheduling:** 8.9/10 (Category avg: 8.9/10)
- **Loyalty Management:** 8.7/10 (Category avg: 8.3/10)
- **E-commerce Integration:** 9.0/10 (Category avg: 8.7/10)

#### Who Is the Company Behind PayPal Payments?

- **Seller:** [PayPal](https://www.g2.com/sellers/paypal)
- **Company Website:** www.paypal.com
- **Year Founded:** 1998
- **HQ Location:** San Jose, CA
- **Twitter:** @PayPal  
1,112,487 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=4b7d71f2b3f5fd5c3d01386b64cca4ea25caa4e5200db6b188ce21ef6f2579ff&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2F1482%2F&secure%5Burl_type%5D=linkedin_company_website)  
36,915 employees on LinkedIn®

#### Who Uses This Product?

- **Who Uses This:** Owner, Manager
- **Top Industries:** Information Technology and Services, Computer Software
- **Company Size:** 62% Small, 23% Medium

#### What Do G2 Reviewers Say About PayPal Payments?

_AI-generated summary from verified user reviews_

##### Pros

- Users appreciate the **ease of use** of PayPal Payments, enjoying quick setups and seamless international transactions.
- Users love how **easy payments** are with PayPal, appreciating fast transactions and secure international transfers.
- Users appreciate the **convenience** of PayPal Payments, noting its speed, ease of use, and wide acceptance for transactions.
- Users appreciate the **high security** of PayPal Payments, noting it makes transactions reliable and effortless.
- Users value the **speed of transactions** with PayPal Payments, enjoying quick international payments and smooth bank transfers.

##### Cons

- Users find the **high fees** for transactions and transfers to be a disadvantage compared to competitors.
- Users find the **fees to be quite high** , especially detrimental for small transactions and currency conversions.
- Users encounter **poor customer support** , often facing slow responses and difficulty in resolving issues in a timely manner.
- Users are concerned about **excessive fees** and lack of transparency regarding conversion rates with PayPal Payments.
- Users are frustrated with **high transaction fees** and conversion rates, feeling it's excessive compared to competitors.

#### What Are Recent G2 Reviews of PayPal Payments?

**["Simple, Fast Online Payments with PayPal"](https://www.g2.com/survey_responses/paypal-payments-review-12939041)**

**Rating:** 5.0/5.0 stars

_— Furkan A._

[Read full review](https://www.g2.com/survey_responses/paypal-payments-review-12939041)

**["Convenient for Transfers, But High Fees"](https://www.g2.com/survey_responses/paypal-payments-review-12786911)**

**Rating:** 5.0/5.0 stars

_— Praise A._

[Read full review](https://www.g2.com/survey_responses/paypal-payments-review-12786911)

#### What Are G2 Users Discussing About PayPal Payments?

- [What is PayPal Credit used for?](https://www.g2.com/discussions/what-is-paypal-credit-used-for) - 8 comments, 5 upvotes
- [Does PayPal credit build your credit?](https://www.g2.com/discussions/does-paypal-credit-build-your-credit) - 3 comments, 4 upvotes
- [What can you use PayPal credit for?](https://www.g2.com/discussions/what-can-you-use-paypal-credit-for) - 2 comments, 4 upvotes

### [Sunbit](https://www.g2.com/products/sunbit/reviews)

Sunbit is the AI-powered finance partner that turns hesitation into sales. Traditional financing slows things down and drives customers away. Sunbit’s people-centered AI approves the majority of applicants in seconds, helping more people say “yes” when it matters most. From checkout to final payment, Sunbit delivers a smooth, transparent experience. Acting as an extension of your business, it builds trust, earns loyalty, and keeps customers coming back. Our Products Buy Now, Pay Later — Flexible pay-over-time options for auto service, dentistry, healthcare, and other in-person services. Also available as an Embedded Finance solution for SaaS platforms serving service providers. Next-Gen Co-Brand Credit Card — A fee-free credit card offered in partnership with leading retailers, designed to drive loyalty and repeat business.

**Average Rating:** 4.9/5.0

**Total Reviews:** 138

#### How Do G2 Users Rate Sunbit?

- **Quality of Support:** 9.7/10 (Category avg: 8.5/10)
- **Payment Scheduling:** 9.7/10 (Category avg: 8.9/10)
- **Loyalty Management:** 9.7/10 (Category avg: 8.3/10)
- **E-commerce Integration:** 9.5/10 (Category avg: 8.7/10)

#### Who Is the Company Behind Sunbit?

- **Seller:** [Sunbit](https://www.g2.com/sellers/sunbit)
- **Company Website:** sunbit.com
- **Year Founded:** 2016
- **HQ Location:** Los Angeles, California
- **Twitter:** @sunbit\_fintech  
478 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=1a161346f95c36f7eed910a81bc49ddc23623d0eb2409b7f42c1398290e619ee&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fsunbit%2F&secure%5Burl_type%5D=linkedin_company_website)  
547 employees on LinkedIn®

#### Who Uses This Product?

- **Who Uses This:** Office Manager, Treatment Coordinator
- **Top Industries:** Medical Practice, Hospital & Health Care
- **Company Size:** 52% Small, 24% Medium

#### What Do G2 Reviewers Say About Sunbit?

_AI-generated summary from verified user reviews_

##### Pros

- Users find Sunbit's **ease of use** remarkable, enabling stress-free purchases and a streamlined application process for patients.
- Users appreciate the **streamlined and quick approval process** of Sunbit, enhancing patient and staff experiences significantly.
- Users appreciate the **convenient application process** of Sunbit, enhancing the experience for both providers and patients.
- Users value the **flexible payment options** of Sunbit, making healthcare accessible and affordable for patients.
- Users find the **easy setup** of Sunbit enhances their operations, ensuring a smooth adoption and user-friendly experience.

##### Cons

- Users experience a **lack of clarity** regarding financial contracts, leading to potential misunderstandings and stress.
- Users experience **payment issues** with Sunbit, such as confusion over debit card services and complex payment processes.
- Users are concerned about **high fees** , which can affect the overall affordability of Sunbit's financing options.
- Users express frustration with Sunbit's **limited acceptance** of payment methods, affecting convenience and flexibility for patients.
- Users note the **confusing financing terms** that can complicate understanding and require additional staff support.

#### What Are Recent G2 Reviews of Sunbit?

**["Empowering Patients with Flexible Payment Options and Seamless Support. Simply Sunbit."](https://www.g2.com/survey_responses/sunbit-review-11917638)**

**Rating:** 5.0/5.0 stars

_— Dakota D._

[Read full review](https://www.g2.com/survey_responses/sunbit-review-11917638)

**["Financing Your Smile: My Experience with Sunbit"](https://www.g2.com/survey_responses/sunbit-review-11847344)**

**Rating:** 5.0/5.0 stars

_— kayla m._

[Read full review](https://www.g2.com/survey_responses/sunbit-review-11847344)

### [Capchase](https://www.g2.com/products/capchase/reviews)

Capchase Pay is a B2B payment and financing solution designed to improve the buying and selling of software and hardware by streamlining the payment process. This innovative platform allows customers to pay over time according to their preferences while enabling businesses to receive the total contract value (TCV) upfront for annual and multi-year agreements. By offloading the billing and collections process to Capchase, companies can focus on their core operations while increasing their cash flow. Targeted primarily at businesses engaged in software and hardware sales, Capchase Pay addresses the common challenges associated with payment processing and customer financing. It is particularly beneficial for companies looking to close more deals by offering flexible payment options that cater to their customers' financial needs. The solution is designed to simplify the buying experience, making it easier for customers to commit to larger purchases without the burden of immediate full payment. One of the standout features of Capchase Pay is its ability to provide immediate access to booked revenue. By receiving the total contract value upfront, businesses can improve their cash flow and reinvest in growth opportunities without delay. This feature is crucial for companies that rely on predictable revenue streams and need to maintain a healthy financial position. Additionally, the platform integrates seamlessly with existing systems such as CRM and accounting software, ensuring a smooth transition and minimal disruption to current workflows. Capchase Pay also offers a user-friendly setup process, allowing businesses to implement the solution in less than 24 hours without any obligations or minimum usage requirements. There are no one-time or integration fees, making it an accessible option for businesses of all sizes. Furthermore, the solution is available internationally across nine countries and currencies, expanding its reach and usability for global enterprises. By incorporating Capchase Pay into their payment processes, businesses can enhance customer satisfaction through flexible payment options while simultaneously improving their operational efficiency. The ability to streamline billing and collections not only saves time but also allows companies to focus on building relationships with their customers and driving sales growth.

**Average Rating:** 4.5/5.0

**Total Reviews:** 43

#### How Do G2 Users Rate Capchase?

- **Quality of Support:** 9.5/10 (Category avg: 8.5/10)
- **Payment Scheduling:** 8.8/10 (Category avg: 8.9/10)
- **Loyalty Management:** 7.2/10 (Category avg: 8.3/10)
- **E-commerce Integration:** 7.8/10 (Category avg: 8.7/10)

#### Who Is the Company Behind Capchase?

- **Seller:** [Capchase](https://www.g2.com/sellers/capchase)
- **Year Founded:** 2020
- **HQ Location:** New York, New York
- **Twitter:** @Capchase  
2,443 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=88a1b822abbee863e9983c8c28ce5074207e033f1f66368c1e6ce12f31555375&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fcapchase%2F&secure%5Burl_type%5D=linkedin_company_website)  
99 employees on LinkedIn®

#### Who Uses This Product?

- **Who Uses This:** Account Executive
- **Top Industries:** Computer Software, Hospital & Health Care
- **Company Size:** 77% Medium, 19% Small

#### What Do G2 Reviewers Say About Capchase?

_AI-generated summary from verified user reviews_

##### Pros

- Users find Capchase easy to navigate, appreciating its **ease of use** and responsive customer support.
- Users appreciate the **flexible payment options** from Capchase, enhancing customer experience and easing sales processes.
- Users appreciate the **simple and clean user interface** of Capchase, enhancing their overall experience significantly.
- Users value the **flexibility** Capchase provides, facilitating convenient payment options and quick support for adjustments.
- Users value the **fast and responsive customer support** of Capchase, enhancing flexibility and team collaboration.

##### Cons

- Users report a **lack of clarity** in the portal and reporting features, hindering effective navigation and understanding.
- Users find the **approval process finicky** , often leading to delays in getting buyer confirmations.
- Users experience **occasional technical issues** , including bugs and delays in updates, but support resolves them quickly.
- Users express concern over **limited availability** , which affects their access to essential features and services.
- Users often face **payment issues** with Capchase, complicating client renewals and leading to unnecessary delays.

#### What Are Recent G2 Reviews of Capchase?

**["Aggressive Rates, Flexible Terms, and a Streamlined UI"](https://www.g2.com/survey_responses/capchase-review-12700127)**

**Rating:** 5.0/5.0 stars

_— Verified User in Information Technology and Services_

[Read full review](https://www.g2.com/survey_responses/capchase-review-12700127)

**["Incredibly Easy Process and a Great Experience Overall"](https://www.g2.com/survey_responses/capchase-review-12966651)**

**Rating:** 5.0/5.0 stars

_— Joshua L._

[Read full review](https://www.g2.com/survey_responses/capchase-review-12966651)

#### What Are G2 Users Discussing About Capchase?

- [What is Capchase used for?](https://www.g2.com/discussions/what-is-capchase-used-for)

### [Ratio](https://www.g2.com/products/ratio/reviews)

Ratio is the Closing Motion Platform for B2B technology scale-ups. Most scale-ups treat close as a signature, then wait on cash through fragmented handoffs. Proposals sit with sales, payment terms bounce to finance, billing is configured somewhere else, and collections happen in yet another system. Every handoff adds delay, error, and revenue leakage. It gets worse when you bill monthly. You can win the deal and still collect the value over months. Ratio consolidates the fragmented close into one motion. Proposals. One link with terms, payment options, and checkout built in. The buyer picks how they want to pay, accepts, and moves forward. No separate documents, no chasing signatures, no toggling between tools to close the deal. BNPL. Offer buyers flexible payment terms at the moment of close. They pay over time, you collect total contract value upfront. No discounting to force annual prepayment, no monthly billing drag. Renewals. When the current contract expires, the next one starts automatically. Terms are re-evaluated, pricing is updated, and the same post-close flow runs again. No manual renewal work and no gaps in coverage. Collections. Follow-ups, disputes, and delinquency management stay connected to the original proposal terms, so there is no reconciliation across disconnected systems. Less AR workload and faster recovery. An AI orchestration layer runs the motion. Risk is priced in real time, approvals route automatically, and renewals trigger on schedule. Specialized agents handle deal desk pricing, buyer checkout, risk scoring, and collections follow-up, and each one learns from every deal funded on the platform. Ratio is headless, so it embeds inside your CRM and the tools your team already works in. What scale-ups see with Ratio: 60%+ revenue uplift. 20-30% higher win rates by removing budget friction from the sales process. Total contract value collected upfront while buyers pay monthly. Less discounting to force annual prepayment. Fewer tools to run the closing motion. Built for CROs who need to close without discounting, RevOps and deal desk teams who need one controlled flow, and CFOs who need predictable cash. Close is not a signature. Close is cash upfront.

**Average Rating:** 4.7/5.0

**Total Reviews:** 35

#### How Do G2 Users Rate Ratio?

- **Quality of Support:** 7.9/10 (Category avg: 8.5/10)
- **Payment Scheduling:** 10.0/10 (Category avg: 8.9/10)
- **Loyalty Management:** 10.0/10 (Category avg: 8.3/10)
- **E-commerce Integration:** 10.0/10 (Category avg: 8.7/10)

#### Who Is the Company Behind Ratio?

- **Seller:** [Ratio](https://www.g2.com/sellers/ratio)
- **Company Website:** www.ratiotech.com
- **Year Founded:** 2021
- **HQ Location:** San Mateo, US
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=3dc054bbc6550f4483e93cb41f26daf88d09b191498d65fc39d3138446ef529f&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fratio-tech&secure%5Burl_type%5D=linkedin_company_website)  
46 employees on LinkedIn®

#### Who Uses This Product?

- **Who Uses This:** Account Executive
- **Company Size:** 53% Medium, 29% Large

#### What Do G2 Reviewers Say About Ratio?

_AI-generated summary from verified user reviews_

##### Pros

- Users find Ratio's **ease of use** exceptional, enhancing workflows with seamless integration and a user-friendly experience.
- Users value the **easy setup** of Ratio, making onboarding and payments straightforward and user-friendly.
- Users value the **quick and flexible payment processing** of Ratio, enhancing cash flow and partner relationships.
- Users commend the **outstanding customer support** from Ratio, ensuring quick assistance and enhancing their sales process efficiency.
- Users value the **speed and efficiency** of Ratio, enhancing sales processes and ensuring quick cash collection.

##### Cons

- Users experience **slow performance** with delayed codes and prolonged loading times, impacting their overall satisfaction.
- Users find the **strict eligibility criteria** challenging, especially with the requirement for exact business details.
- Users find that the **manual approval process** can delay their experience due to insufficient credit history for brands.
- Users face **approval process issues** due to manual interventions when brands lack extensive credit history.
- Users often experience **delays in receiving one-time codes** , which can hinder their access and usability of Ratio.

#### What Are Recent G2 Reviews of Ratio?

**["Effortless Payment Creation and Processing That Streamlines Revenue"](https://www.g2.com/survey_responses/ratio-review-13163181)**

**Rating:** 5.0/5.0 stars

_— TYLER R._

[Read full review](https://www.g2.com/survey_responses/ratio-review-13163181)

**["Easy for Clients, with a Clear Line-by-Line Fee Breakdown"](https://www.g2.com/survey_responses/ratio-review-13163195)**

**Rating:** 5.0/5.0 stars

_— Jude P._

[Read full review](https://www.g2.com/survey_responses/ratio-review-13163195)

### [Credit Key](https://www.g2.com/products/credit-key/reviews)

Credit Key is the leading B2B payments company that simplifies and enhances the purchasing process through its proprietary digital platform. Hundreds of leading merchants leverage Credit Key to offer their business customers greater access to capital with fast, flexible payment options including Net Terms and Pay Over Time. Credit Key facilitates instant credit decisions to provide a streamlined buying experience whether it’s online, over the phone, or in-store. Credit Key is proven to boost revenue for merchants while enabling borrowers to better manage cash flow and grow their business. Learn more at www.creditkey.com.

**Average Rating:** 4.7/5.0

**Total Reviews:** 34

#### How Do G2 Users Rate Credit Key?

- **Quality of Support:** 8.7/10 (Category avg: 8.5/10)
- **Payment Scheduling:** 9.2/10 (Category avg: 8.9/10)
- **Loyalty Management:** 8.6/10 (Category avg: 8.3/10)
- **E-commerce Integration:** 9.1/10 (Category avg: 8.7/10)

#### Who Is the Company Behind Credit Key?

- **Seller:** [Credit Key](https://www.g2.com/sellers/credit-key)
- **Year Founded:** 2015
- **HQ Location:** Los Angeles, CA
- **Twitter:** @getcreditkey  
95 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=cad59ea479dd85b525dd585451a6fecc00575d572c0c51ab230caea8924a1a2d&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2F1513364%2F&secure%5Burl_type%5D=linkedin_company_website)  
57 employees on LinkedIn®

#### Who Uses This Product?

- **Top Industries:** Restaurants, Business Supplies and Equipment
- **Company Size:** 56% Small, 44% Medium

#### What Are Recent G2 Reviews of Credit Key?

**["Credit Key is an excellent financial resource to grow your business."](https://www.g2.com/survey_responses/credit-key-review-8771264)**

**Rating:** 5.0/5.0 stars

_— Monique B._

[Read full review](https://www.g2.com/survey_responses/credit-key-review-8771264)

**["Great Alternative to Bank Financing - Solar Business"](https://www.g2.com/survey_responses/credit-key-review-8770601)**

**Rating:** 4.5/5.0 stars

_— Jennifer E. M._

[Read full review](https://www.g2.com/survey_responses/credit-key-review-8770601)

#### What Are G2 Users Discussing About Credit Key?

- [What is Credit Key used for?](https://www.g2.com/discussions/what-is-credit-key-used-for) - 1 comment

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- [Payment Gateways](/categories/payment-gateways)
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- [Payment Analytics](/categories/payment-analytics)
- [Payment Card Issuance](/categories/payment-card-issuance)
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- [Payments Orchestration](/categories/payments-orchestration)

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