Work smart
Automate the entire order-to-cash lifecycle.
Even the smallest tasks stack up. All invoicing, reminders, and dunning are handled by Two.
#1 B2B Payments Platform
Purchasing power in
two. seconds
The net terms infrastructure that grows your revenue, built with superior credit and fraud engines. Built for any scale, from SMB to Enterprise.
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We help businesses
sell more.
95% of business customers prefer to pay on net terms.
Drive more B2B sales with unmatched credit limits and a market leading acceptance rate with Two.
Trusted by familiar enterprises
Sell online
Increase order value with net terms.
Accept more buyers and offer higher credit limits to drive consistent sales growth on your webstore.
Start with online net terms
Sell Direct
Close deals faster with our automated salesflow.
Whether your sales come from over the phone, via email or in person, offer them instant and flexible net terms with the best credit limits.
Start with omnichannel net terms
Sell In-store
Bring B2B buyers back in-store.
Offer the best possible checkout experience, complete with secure purchasing and immediate credit decisioning.
Start with in-store net terms
Reduce risk
Meet Delphi and Frida.
Our AI risk engines are trained to provide your buyers with the highest credit limits and prevent fraud.
Frida.
Our AI fraud engine that secures your sales.
What are Two's key growth metrics ?
19
Markets Covered
€1B+
in B2B payment volume
100K+
Monthly B2B Orders
<100K
B2B buyers using Two
Asking for company details.
Manual credit checks.
Ask for Identification.
Looking for credit information.
Looking up company details.
Generate quote.
Share quote with buyer.
Email confirmation.
Send invoice.
Wait for 14-90 days.
Partial return.
Calculate the difference.
Issue credit note manually.
Rememeber invoice, and check: No payment
Friendly reminder
No answer
Reminder
Customer claims they never recieved an invoice.
Resend invoice.
Customer says they paid.
Can't find payment in bank account.
Customer paid wrong.
Refund/repayment must be done.
Wait.
Payment in place.
Reconciliation
Update credit limit.
Enterprise ready
A modern B2B payment suite for your enterprise.
Two oversees risk monitoring, while you maintain full authority over credit approvals and buyer management.
Our API functions just like familiar payment methods, reducing the complexity of integrating with enterprise systems.
Quick onboarding and credit approvals keep your sales flowing smoothly across all channels.
Role-based access control and audit logs.
Get paid
Financial flexibility to support business growth. Two can provide upfront payments for all orders.
Head of Strategic Ops, Building Materials
“Two’s model enables important customers to access higher limits than we’d ever risk alone, which directly increases their spend with us.”
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Co Founder, Timberhub
“Two's account management actually understands our business. They actively look for ways to help us grow, not just provide financing.”
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Founder, Cutr
"Two has definitely saved us, at a minimum, two engineers over a year - just by having an API that manages all this stuff externally versus us having to build it ourselves."
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Customer Journey Manager B2B, Komplett
“Two has easily accessible world class expertise on integration, risk management, credit decisions and anti-fraud"
Nordic B2B Director, Elkjøp (part of Currys)
"Two’s solution means Elkjøp’s focus is on our core business, and not credit assessments.”
Director, Rawlins Paints
"We've seen the most measureable impact on our cash flow through allowing more prompt supplier payment, leading to improved relationships"
Plugins
Ready for Low- and No-code platforms.
Two integrates with a range of popular e-Commerce Plugins so you can get started straight away.
Ready to get started?
Sign up to try our Merchant Portal or book a demo with our sales team.
Sell online
Boost efficiency
About Two
Built by merchants, for merchants.