Two is a B2B payment solution that enables merchants to offer their customers flexible payment terms - from checkout to instalments and beyond. Powered by world-leading credit and fraud engines, Two simplifies the selling process by managing admin and credit risk, while helping merchants boost B2B sales and receive upfront payments.

When your buyer chooses to purchase with Two, we run an instant credit check to assess their creditworthiness based on their company name. If necessary, your buyer will then be asked to verify their identity via our verification process. This takes less than 30 seconds.

Two helps you grow your B2B sales, eliminate admin, offset credit and fraud risk, and receive upfront payments.

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Frequently asked questions

What is Two?

Two is a global B2B Buy Now, Pay Later (BNPL) payment platform that enables merchants to offer flexible payment terms and instalments at checkout. Powered by advanced B2B credit and fraud engines, Two eliminates merchant credit risk and administrative burden while ensuring upfront payouts.

How does Two work?

Two automates B2B credit underwriting at checkout in seconds. When a buyer selects Two, the system instantly assesses creditworthiness using only their company name. If identity verification is required, the buyer completes a secure process in under 30 seconds, and approved buyers receive immediate credit terms with the transaction processed instantly.

Why offer Two?

Two increases B2B conversion by using proprietary credit and fraud engines to instantly approve legitimate corporate buyers with the highest credit limits on the market, while completely automating the accounts receivable workflow, including e-invoicing, payment collection, and dunning. Two also absorbs 100% of the credit default and fraud risk on every transaction and pays merchants upfront instead of waiting on standard 30, 60, or 90-day net terms, unlocking working capital immediately.