Our in-house credit and fraud engines deliver 7x higher credit limits and a 90% acceptance rate - all with just one search.
With Delphi, Two's credit and fraud risk engine, buyers get a combined credit and fraud check in a single search, with approval in under 2 seconds for an uninterrupted checkout process.
Delphi approves over 90% of buyers on the spot, with credit limits up to 7x higher than bureau-only decisioning - so you can sell more with confidence.
Fraud is a serious threat to B2B trade, leading to $48 billion losses per year. That's why we built Frida - an AI designed to detect and stop fraud before it becomes a problem.
With the power to handle over 5,000 transactions per second, Frida reduces fraud losses by up to 97% - and because Two, not you, carries the risk of buyer non-payment, you can sell securely at scale.
Manage customer credit limits
Buyer risk insights
Extensive KYB process
Stay up to date with fraud alerts via webhooks
Enable larger sales with Shared Risk and extend more credit based on your knowledge of the buyer - while Two continues to carry the core credit and fraud risk.
Give your loyal buyers the extra credit they to complete larger purchases and maximise sales.
Maintain flexibility by deciding when to extend additional credit and who to.
Two still covers part of the liability - you take on the remaining risk only where you choose to.
How does Two assess risk in a single search?
Two's in-house credit and fraud engines run both checks at once on a single search, returning an instant decision instead of forcing you to stack multiple providers or manual reviews.
What kind of acceptance rate and credit limits can I expect?
Merchants using Two's risk engines see around a 90% acceptance rate on buyer applications, with credit limits that run up to 7x higher than relying on traditional credit bureaus alone.
Who carries the risk if a buyer doesn't pay?
Two does, not you. Once a buyer is approved and the order is confirmed, Two owns the credit and fraud risk on that transaction, so a buyer's late or non-payment doesn't affect what you're paid.
Does this replace my existing fraud or risk tooling?
For most merchants, yes. Two handles credit decisioning, fraud detection, and collections in one system, so you don't need to stitch together separate providers to cover B2B risk.
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