Which term identifies the one who provides goods or services for which payment is arranged through a credit transaction?

The term that identifies the one who provides goods or services for which payment is arranged through a credit transaction is "creditor." A creditor is a party that extends credit, allowing a borrower to purchase goods or services now and pay for them later, typically with interest. This relationship involves a financial agreement where the creditor expects to be repaid under the terms set forth in the credit arrangement.

In the context of credit transactions, creditors play a crucial role as they set the terms of credit, evaluate the creditworthiness of potential borrowers, and assume the risk involved in lending. This is distinct from other roles in the financial ecosystem. A debtor, while integral to the credit transaction, represents the borrower who receives goods or services and is obligated to repay the creditor. An insurer deals primarily with risk management and coverage, not directly with credit transactions, and an agent typically acts on behalf of another in transactions rather than providing goods or services directly.