HoReCa

Every Repeat Order, Zero Chasing Payment.

Two is the B2B BNPL platform built for food and beverage suppliers. Delphi approves buyers in under 2 seconds, adjusts automatically for seasonal demand swings, and consolidates repeat orders into one invoice - while you get paid upfront on every order.

✓

Fewer invoices for repeat buyers

✓

Approvals that adapt to seasonality

✓

Two takes the credit risk

Contact sales Sign up

Trusted by leading food & beverage suppliers

↻

The seasonal credit problem

Demand swings hard with the seasons. Static credit limits either choke your best buyers at peak, or expose you to risk in the quiet months.

✓

Approvals that adapt automatically

The getting-paid-back problem

Frequent repeat orders mean chasing payment becomes a full-time job. Two pays you upfront regardless of when - or whether - your buyer settles.

✓

Paid upfront, every order

☑

The approve-enough problem

Approve too conservatively and you lose the sale to a competitor with better terms. Approve too loosely and fraud eats your margin. Delphi finds the line automatically.

✓

Delphi approves ~90% in real time

How Two Works for HoReCa

From Application to Payout in Under a Minute

One integration handles instant approval, grouped billing, and upfront payouts - season after season.

Instant Trade Account Approval

Delphi approves roughly 90% of buyers in under 2 seconds - no matter the order size or the time of year.

Grouped Billing, One Invoice

Repeat orders roll up into a single invoice instead of dozens.

Upfront Payments

You get paid the moment the order ships. Two carries the credit risk, not you.

Risk-as-a-Service (RaaS)

Delphi handles instant credit decisions while Frida continuously monitors risk across your buyer book - so exposure never blindsides you.

Growing Trade Accounts

As buyers keep reordering, Two raises their limits automatically - deepening loyalty without added admin.

Case study

13 invoices → 1

REKKI Reduces Customer Invoices from 13 to 1 with Two

REKKI, a UK food wholesale marketplace, used Two to consolidate repeat orders from the same restaurant into a single grouped invoice - cutting admin for both REKKI and its buyers.

UK food wholesale marketplace

Frequently asked questions

How fast does Two approve HoReCa buyers, including new or seasonal accounts?

Delphi, Two's credit engine, approves roughly 90% of buyers in under 2 seconds using just a company registration number - even as demand shifts through the year.

How does Two handle invoicing for buyers who order constantly?

Two consolidates repeat orders from the same buyer into a single grouped invoice, cutting admin dramatically - REKKI, for instance, cut its invoice volume from 13 to 1 with Two.

Who carries the credit and fraud risk on approved orders?

Two does. Delphi handles the credit decision and Frida absorbs the fraud risk on every approved order, so you get paid upfront regardless of what happens after.

What payment terms can food & beverage suppliers offer?

Merchants can offer standard net terms (7–120 days) for repeat trade orders, letting restaurants, cafes, and hospitality buyers order on credit while Two pays you the full amount upfront.

Does Two work across online ordering platforms and direct sales?

Yes. Delphi and Frida run embedded in your ordering stack and apply the same instant decision whether buyers order through your website, a marketplace, or a sales rep.