B2B Marketplaces

Every Buyer, Every Order, Zero Credit Risk

Two is the B2B BNPL platform built for marketplaces. Approve buyers instantly - from first-time SMBs to enterprise accounts - extend the credit that keeps transactions on your platform, and get sellers paid upfront while Two manages collections, risk and compliance.

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Increase transaction volume

Built-in compliance

Real-time fraud detection

30%

higher B2B revenue

Trusted by leading B2B marketplaces

The credit-at-scale problem

Assessing every buyer's creditworthiness in-house doesn't scale past a handful of enterprise accounts. Your buyers expect an e-commerce checkout, not a loan application.

~90% real-time approval

The stickiness problem

Buyers who can't get credit on your platform go find it - or a competitor marketplace - somewhere else, taking your GMV and network effect with them.

Keeps transactions on-platform

The supplier cash-flow problem

Marketplaces front sellers their payout before buyers repay, straining working capital every time GMV grows. Two removes that gap entirely.

Sellers paid upfront, every order

B2B BNPL for marketplaces

How Two powers every transaction on your marketplace

One integration handles credit, fraud, and payouts across every buyer and seller on your platform.

Instant buyer onboarding

Guest checkout gives first-time buyers - from solo tradespeople to enterprise procurement teams - an instant credit decision with zero prior relationship.

Real-time credit decisioning

Delphi approves ~90% of buyers in under 2 seconds, with limits sized to the buyer instead of a one-size-fits-all bureau score.

Large orders, split into terms

Six-figure invoices and project-based orders split into instalments over 3-24 months, so no single transaction outgrows a buyer's cash flow.

Fraud and risk embedded per transaction

Frida screens every order in real time, blocking high-risk transactions without adding friction to checkout.

Sellers paid upfront, every time

Two pays sellers in full the moment an order is confirmed, while buyers get the flexible terms that keep them coming back to your platform.

Case study~90% of volume on Two

Why Timberhub Chose Two: Predictable Capital to Scale a B2B Marketplace

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

5 min readRead case study

Case study€1.5M monthly turnover

Why Cutr Chose Two: Enterprise-Scale Growth Through Automated B2B Credit

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

5 min readRead case study

Frequently asked questions

What is B2B BNPL for marketplaces?

B2B BNPL lets marketplace buyers pay on flexible net terms while sellers get paid upfront. Two underwrites the credit and fraud risk, so neither the marketplace nor its sellers carry it.

How does Two handle a marketplace's mix of small and enterprise buyers?

Two's credit engine, Delphi, evaluates every buyer individually - from first-time SMBs to six-figure enterprise orders - approving ~90% in real time with limits sized to each buyer, not a flat bureau score.

Who takes the credit and fraud risk on marketplace transactions?

Two does. Sellers are paid upfront on every approved order, and Two owns the underwriting, fraud screening, and collections.

Can new buyers get credit with no prior purchase history?

Yes. Guest checkout gives first-time buyers an instant credit decision, so onboarding new accounts never slows down a sale.

What payment terms can marketplaces offer buyers?

Marketplaces can offer standard net terms or split large, project-based orders into instalments over 3-24 months - matching how buyers actually get paid on their own projects.

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