Two Cents blog.

A trade account lets business customers buy now and pay later on agreed terms. See how trade accounts work, their risks, and how to offer one without taking on credit risk.

Real-time data, flexible payment terms, self-service, agentic-commerce readiness, and sustainability transparency are separating B2B winners from losers in 2026.

Gartner predicts AI agents will intermediate $15 trillion in B2B spend by 2028. Here's what that means for credit decisioning, trade terms, and how sellers need to prepare.

B2B BNPL lets business buyers pay later while sellers get paid upfront. See how it works, the data behind its growth, and the risks to plan for.

US and European B2B BNPL grew up almost independently, with different providers, licensing, and definitions of "non-recourse". See what actually changes once your buyers cross the Atlantic.

The UK's B2B BNPL market is set to hit $16.5 billion in 2026. Compare the top providers for enterprise and SMB sellers on underwriting speed, recourse, and reach.

Learn what causes financing to hit a ceiling at scale, and how non-recourse B2B BNPL keeps underwriting, risk transfer, and cash flow working at any order size.

Payment defaults can sink an otherwise healthy business. Learn how to spot the warning signs, prevent non-payment, and eliminate the risk entirely with the right B2B payment setup.

Discover the trade credit advantages and disadvantages for B2B buyers & sellers, and learn why finance leaders are shifting to automated B2B BNPL.

Compare Merchant of Record (MoR) vs. B2B BNPL for global marketplaces. Learn how to scale net terms, automate multi-vendor payouts, and eliminate risk.

Invoice factoring vs invoice discounting: Learn the operational differences, hidden risks of legacy funding, and why leaders are shifting to B2B BNPL.

Two has processed over €1 billion in B2B payment volume - with live merchants across the Nordics, Europe, and the US. Here's what the milestone signals about the future of B2B trade.

Discover how Rawlins Paints transformed their B2B operations by automating credit administration, eliminating bad-debt risk, and freeing up their finance team to focus on strategic scaling.

Timberhub faced unpredictable working capital across multi-party marketplace transactions. Discover how Two's marketplace-native financing unlocked growth

Discover how Two and DNB are revolutionizing Nordic B2B payments with AI-powered Buy Now, Pay Later solutions—streamlining transactions, boosting sales, and modernising global commerce.

Discover how Cutr solved high-value, project-based invoicing challenges by partnering with Two to unlock enterprise-scale growth through automated B2B credit.

How real-time business buyer verification is eliminating the fraud risk and compliance friction that manual processes never could

Discover how Building Materials Nationwide achieved 22% YoY growth and doubled recurring revenue by automating trade credit with Two.

Modernize B2B payments with BNPL solutions. Tackle fraud, inefficiency, and global payment challenges to secure your business.

Explore B2B payment expertise, BNPL solutions, and merchant success stories. Discover how Two helps businesses grow with trade credit.

Komplett adopts the Nordic's first Risk-as-a-Service platform with Two for real-time credit and fraud decisioning in B2B transactions.

The robotics market races toward $218 billion by 2030. Learn how flexible B2B payments can fuel growth and solve cash flow challenges.

Two secures €13M to expand into the US and Western Europe with AI-driven B2B payment solutions that make net terms as easy as card payments.

B-Commerce, a rapidly growing industry that dwarfs B2C. But what is B-Commerce, how does it work, and what's Two's role? Learn everything you need to know here!

Discover the truth behind B2B E-Commerce myths. Learn how online platforms are reshaping business transactions, from net terms to personalization and more.

Two expands to the U.S. with tailored B2B payment solutions, unlocking growth and instant credit access for North American businesses.

Two partners with Qliro for unified B2B BNPL solutions. Seamless checkout and flexible payment terms boost conversions and support e-commerce growth.

Two and Avarda unite B2B and B2C expertise to deliver seamless, unified white-label checkout experiences for Nordic merchants and consumers.

Two and ABN AMRO launch 'Pay on Invoice' for B2B e-commerce with seamless 30-day payment terms and enhanced financial security.

Master B2B BNPL with our comprehensive glossary of 126 essential terms. Your quick guide to navigating modern B2B payment concepts and terminology.

Learn everything about Order to Cash, its challenges, and how modern B2B BNPL payment solutions can streamline your processes. Start here.

Upsell with Two's new live order editing feature. Maximize order value with easy edits and instant upselling opportunities.

Introducing Invoice Editor! Easily correct invoice details without canceling orders, saving time and improving your customer experience. Read more here.

New Settlement Reports feature: enhanced views for payouts and balances, plus easy downloads. Improve your payout transparency today.

Two enables Order Creator for UK and Swedish merchants, offering flexible net terms for offline sales via the Merchant Portal. Get started now.

Learn how you can allow your customers to increase their credit limits instantly and grow your sales using our brand new feature Credit Builder!

Two, Flow Retail, and Eplehuset launch the world's first integrated in-store B2B payment solution. Discover the partnership details.

Discover how Two helped Givn achieve a 270% increase in average order value using the quickest and easiest B2B checkout solution on the market.

Two partners with Viola Credit to enable 1.8 billion EUR in B2B transactions through tech-driven alternative credit management.

Achieve 100% acceptance rates with Two's Recourse Fallback feature. Sell more even when customers reach their credit limit. Learn how it works.

What is the difference between checkout and basket abandonment? Discover this and more on how B2B BNPL significantly reduces drop-off rate in B2B!

Learn more about Two's new partnership with Swedish Electronics Giant NetOnNet and what they've been able to achieve so far!

Improving business cash flow can seem like an uphill battle. Explore our 5 effective strategies for improving business cash flow for healthier finances.

B2B BNPL vs Traditional Trade Credit: Discover how B2B BNPL enhances cash flow, reduces risks, and offers more advantages for businesses.

Tied up working capital can seriously impact your business growth, but what can you do about it? Read our latest ebook to learn how B2B BNPL can help!

Understanding drop off rate in B2B is crucial for growing you sales. But how do you improve it? Discover 11 ways to improve drop off rate here! Tip: Use Two!

Klarna offers a B2B solution that processes 2 million daily transactions, yet for Teppaebo it waasn't good enough. Find out how Two provided a better solution!

B2B E-Commerce remains the fastest growing channel in 2023. But are you getting the most out of Magento? Find out how to skyrocket your Magento B2B traffic!

Two is happy to announce we've been named a Top 100 Fintech company by Market Intelligence Platform CB Insights! See the full list and learn more here!

Two is happy to announce our recent win in the Growth category at the Nordic Fintech Awards 2023 in Copenhagen! Read all about it here!

Delve into B2B payments with our comprehensive guide to learn how B2B payments work, different types, and how B2B BNPL solutions like Two are changing the game.

Norwegian-based consemtics company Glamit were struggling to scale their business thanks to excessive admin. Find out how Two helped grow their sales!

What is the impact of inefficient customer onboarding? Find out how Two supercharges customer onboarding to help boost your B2B sales in our latest article!

Understanding basket abandonment is vital is you want to succeed in B2B selling. Check out our 10 proven strategies for improving basket abandonment here!

52% of wholesale companies report that late payments are the main challenge when offering trade credit. Find out how Two fixes wholesale selling for good!

Two is happy to announce exciting news about our newest partnership with Payment Service Provider Mondido! Read more about the exciting news in this article!

Tied up working capital has been described as a $1 trillion problem. Find out how B2B BNPL providers like Two can help you with upfront payments on every sale!

In 2022, more than half of all invoices sent to Construction firms were paid late. Learn about the current state of Trade Credit in the Construction industry.

Learn how Two's latest product Instalments can supercharge your subscription business model. Offer payment terms between 3-24+ months AND get paid upfront.

The hospitality industry is known to be fast paced, yet invoicing is still a slow, painful process. Find out how Two helped REKKI drastically cut admin!

B2B BNPL has grown in popularity exponentially but can company founders use it to their advantage? Learn more about how to grow your business with B2B BNPL!

Despite being a new technology, BNPL has surged in popularity in B2B. Find out how you can use it to boost sales, average order value, and conversion rates!

Explore the different types of trade credit in our comprehensive guide. Understand the benefits, risks, and how to choose the right option for your business!

Accounts receivable financing is a popular method of accessing tied up working capital. But how does it work? And what are the pros and cons? Find out more!

Two is proud to announce our Series A funding of €18 Million, supported by a first-of-its-kind partnership between Santander and Allianz Trade. Read more here!

Many companies use Debt Factoring to access tied up working capital. But what is it and how does it work? Learn more about all things debt factoring here!

Two and financial infrastructure trustshare have partnered to help B2B marketplaces become the new financial centers of the digital economy! Learn more here.

Talent sourcing company Kandidate faced real issues trying to access tied up working capital. Find out how Two got them paid upfront for every single sale!

B2B sales are different to B2C sales in many ways and often have a much longer sales cycle. Find out more about what makes B2B sales unique and how they work!

B2B E-Commerce is a landscape in constant change, from buyer purchasing behaviour to the growth of omnichannel sales. Discover the 2024 B2B E-Commerce trends!

Explore the essentials of B2B Buy Now, Pay Later in our comprehensive guide to learn what it is, how it works, and how it compares to traditional trade credit.

Two is thrilled to announce a first-of-its-kind partnership with Santander and Allianz Trade, giants in trade credit insurance and financing game! Read more!

Eplehuset is Norway's largest Apple reseller, but they were having trouble increasing their sales. Find out how Two allowed them to sell to +100% more buyers!

I AM NUT OK and Two is a match made in heaven! Find out how Two helped them streamline their B2B operations and grow their business for a prosperous future!

Purple Planet is an award-winning eco-friendly packaging specialist. Find out how Two helped them quadruple their average order value while saving the world!

Together with Yapily, we're on a mission to make access to credit safer, cheaper, and easier for businesses than ever before.

Elevate your B2B E-Commerce game with a B2C-level experience. Learn how to meet modern buyer expectations and streamline your purchasing process!

Bildeler needed help accepting more B2B sales to grow their business. Find out how Two helped them achieve a 96% acceptance rate!