Partnerships

Truly Global Enterprise B2B BNPL.

The world's first tripartite B2B BNPL solution for global enterprise - combining Santander's global banking capital, Allianz Trade's world-leading credit insurance, and Two's instant payment technology. Offer net terms online with zero credit risk, zero manual underwriting, and zero balance sheet drag.

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The Power Triad

One partnership. Three capabilities.

A pioneering global alliance between the world's leading trade credit insurer, a leading global bank, and a cutting-edge B2B payments fintech.

Santander CIB

Global banking capabilities and receivables financing expertise. Sellers receive upfront payouts while buyers access trade credit - optimising working capital for large corporates growing safely across the world.

Allianz Trade

The global leader in trade credit insurance. Instant risk scoring and bad debt protection through Allianz Trade pay, safeguarding merchants against non-payment risk at enterprise scale.

Two

Cutting-edge B2B checkout engine with seamless ERP and commerce integration. Enterprise sellers go live with zero operational friction and zero balance sheet drag.

How It Works

Built for enterprise, from checkout to cash.

A single, seamless flow that turns net terms into a zero-risk, zero-friction growth lever for your balance sheet.

Buyer selects flexible net terms

At checkout, or via a direct sales order, the buyer chooses flexibe net terms instead of paying by card or wire.

Instant credit and fraud decisioning

Two's engine and Allianz Trade's risk models evaluate the buyer and return a decision in under 30 seconds - no manual underwriting required.

Santander funds, Allianz Trade insures

Santander CIB pays the merchant upfront while Allianz Trade insures the receivable against non-payment - removing balance sheet exposure entirely.

Everyone wins

The merchant gets immediate cash flow, the buyer gets 30/60/90-day terms, and neither party carries default risk.

Two's solutions

Works with everything you already sell through.

This partnership powers every corner of Two's platform - online, in-store, and offline.

Sell Online Sell Direct In-store

Testimonials

Banking leaders share their view.

Hear from the banking and corporate leaders pioneering B2B solutions with Two.

“Two offers an extremely sought-after quality product for B2B payments and is perfectly suited for our customers. Many businesses become banks for their own customers but Two solves this and more.”

François Burtin

Global Head of E-commerce, Allianz Trade

“The fact that buyers have to use personal or corporate credit cards is still hindering B2B transactions. Thanks to the service we’ve created along with Allianz Trade, Two and Marsh Spain, large corporates will now be able to enjoy the BNPL product to grow their online activity safely and globally.”

Ignacio Frutos Lopez

Global Head Structured Solutions Trade & Working Capital, Santander CIB

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