@credit-key/creditkey-js

Credit Key Javascript SDK

Table of Contents

• Support
• Requirements
• Install
• Overview
• Models
• Check for Credit Key Checkout
• Obtain Checkout URL
• Configuring Checkout Display
• Configuring Apply Now Display
• Configuring Checkout and Product Page Display
• Configuring User Total Line of Credit Display

Support

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You should have been put in contact with an Implementation Support Engineer at Credit Key. You can directly contact your Support Engineer with any questions or to receive implementation assistance.

Requirements

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The Credit Key Javascript SDK requires Node 8.x or higher and NPM 5.x or higher. Depending on your setup the following dependencies may also need to be present: babel-loader @babel/core @babel/preset-env node-sass

Install

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npm install creditkey-js

The Credit Key Javascript SDK can also be installed via a script tag using the UNPKG CDN. It is then available as a global variable ck or as a UMD module.

<script crossorigin src="https://unpkg.com/@credit-key/creditkey-js@latest/umd/creditkey-js.js"></script>

Overview

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Credit Key checkout works similarly as services like PayPal in the sense that the user will be redirected to special checkout pages hosted on creditkey.com to complete the checkout process.

A real world example of Credit Key implemented in a React app is available here.

Models

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Address

This object is used to represent either a billing or shipping address. All arguments are required except address2

import ck from 'creditkey-js';

const billingAddress = new ck.Address(first_name, last_name, company_name, email, address1, address2, city, state, zip, phone_number);

billingAddress.data.first_name;
billingAddress.data.last_name;
...

Charges

This object represents total order charges, discounts applied, tax and shipping amounts. total refers to the subtotal (without shipping and taxes), and grandTotal refers to the grand total after shipping, taxes, and discounts applied. Each field should be a floating point value.

shipping, tax, and discountAmount can be null or 0 if the value is not applicable to this purchase.

import ck from 'creditkey-js';
const charges = new ck.Charges(total, shipping, tax, discountAmount, grandTotal)

charges.data.total;
charges.data.shipping;
...

CartItem

This object represents a product in the user's shopping cart. sku, size, and color are all optional and can be null. The merchantProductId is the key referring to the product on the merchant system.

import ck from 'creditkey-js';

const item = new ck.CartItem(merchantProductId, name, price, sku, quantity, size, color);

item.data.merchant_id;
item.data.name;
...

Check for Credit Key Checkout

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Credit key Checkout must be enabled on a per merchant basis. It is advisable to check that Credit Key Checkout is available prior to displaying it.

NOTE: The Client method take an optional platform argument. This can be 'staging' or 'production' and determines the appropriate Credit Key API to use when sending requests. Default is 'development' and expects a local Credit Key API at 'localhost:9100'.

import ck from 'creditkey-js';

const client = new ck.Client(your_credit_key_public_key, 'production');

let isCreditKeyDisplayed = false,
    cartItems = [new ck.CartItem(...), new ck.CartItem(...)];

client.is_displayed_in_checkout(cartItems)
  .then(response => isCreditKeyDisplayed = response);

Obtain Checkout URL

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The Credit Key API provides an endpoint to start a checkout experience. A valid request to this endpoint returns a url to be used when displaying the Credit Key Checkout experience, either as a modal or redirect.

import ck from 'creditkey-js';

const client = new ck.Client(your_credit_key_public_key, 'production');
const billingAddress = new ck.Address(...);
const shippingAddress = new ck.Address(...);
const charges = new ck.Charges(...);
const cartItems = [new ck.CartItem(...), new ck.CartItem(...), ...];
const remoteId = your_order_id;
const customerId = your_customer_id;
const returnUrl = 'your url to send the customer back to after completing credit key checkout';
const cancelUrl = 'your url to return the customer to if they cancel out of the credit key checkout';

// Optional
const orderCompleteUrl = 'your url to allow Credit Key admin ot approve orders for pended applications';

// Optional
const mode = 'modal';

const merchantData = {
  myDataKey: 'my value'
};

client.begin_checkout(cartItems, billingAddress, shippingAddress, charges, remoteId, customerId, returnUrl, cancelUrl, orderCompleteUrl, mode, merchantData);
  .then(response => ck.checkout(response.checkout_url));

Configuring Checkout Display

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The checkout method takes two arguments:

• url - Required - The url to load Credit Key Checkout.
• type - Optional - The type of Checkout experience, can be 'modal' or 'redirect', defaults to 'modal'

import ck from 'creditkey-js';

ck.checkout(url, type)

Configuring Apply Now Display

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The apply method takes three arguments:

• key - Required - Your Credit Key public key
• type - Optional - The type of Apply Now experience, can be 'modal' or 'redirect', defaults to 'modal'
• platform - Optional - The platform to load the Apply Now experience from, can be 'development', 'staging' or 'production', defaults to 'production'

import ck from 'creditkey-js';

ck.apply(key);

Configuring Marketing Display

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Product Detail Page Marketing Display

The get_pdp_display method takes one argument:

• charges - Required - A Charges object

At this time, only checkout and product page displays are supported. When a charges object is supplied, with subtotal, shipping, tax, discount and grand total amounts, then the returned text calculates and displays the monthly payment amount.

import ck from 'creditkey-js';

const client = new ck.Client(your_credit_key_public_key, 'production');

pdp.innerHTML = client.get_pdp_display(charges);

Cart Page Marketing Display

The get_cart_display method takes three arguments:

• charges- Required - A Charges object
  
• desktop - Optional - “left”, “right”, “center”
  
• mobile - Optional - “left”, “right”, “center”

At this time, only checkout, cart page and product page displays are supported. When a charges object is supplied, with subtotal, shipping, tax, discount and grand total amounts, then the returned text calculates and displays the monthly payment amount. When desktop or mobile arguments are supplied, the alignment of the returned text is adjusted for responsive display.

import ck from 'creditkey-js';

const client = new ck.Client(your_credit_key_public_key, 'production');

let desktop = "right";
let mobile = "center";
         
ck_cart.innerHTML = client.get_cart_display(charges, desktop, mobile);

Configuring User Total Line of Credit Display

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The get_customer method takes two arguments:

• email - required - The email of your customer (should be the same email used to establish their Credit Key account)
• customer_id - required - Your internal, unqiue id for the customer (should be the same as the remote_customer_id sent during begin_checkout)

returns a json payload with status, amount and amount_available

status is the customer's underwriting status and will be "declined", "pending" or "approved"

NOTE: if a customer was declined, then they will not have a line of credit. In that case this method will only return the customer's underwriting status

import ck from 'creditkey-js';

const client = new ck.Client(your_credit_key_public_key, 'production');

let userTcl;

client.get_customer()
  .then(res => userTcl = res)
  .then(() => console.log(userTcl.status, userTcl.amount, userTcl.amount_available));