Services

Sell more

Online

Offer net terms in under 30 seconds on your webstore

Direct

Close direct sales faster by offering credit on the spot

In-store

Harness the full power of Two for your in-store customers

B2B toolkit

Reduce risk

Credit and Fraud Engines that Match your Ambitions

Work smart

Save days of manual work with our collection process

Get paid

Improve cash flow and support business growth

More

Merchant portal

Drive sales, boost efficiency - All in one place

Resources

Merchant

Two cents blog

B2B insights, case studies and product updates

Plugins

Select your platform and get started in minutes

Help center

Articles and videos to help you get started

Buyer

Two for buyers

Access instant net terms from your favourite merchants.

Help center

Help yourself or submit a support ticket

More

API documentation

Guides, sample code and examples to get you going

Status

Realtime system status

Merchant toolkit

Resources to promote your new B2B payment solution

About

Partnerships

Santander X Allianz Trade

A new partnership enabling B2B BNPL solutions for global corporations.

Two Global

We cross borders and timezones to bring B2B buyers and merchants together.

Commercial Partnerships

Through commercial partnerships, we offer best-in-class B2B payments.

Company

The team

Learn why Two was built and what we care about.

Two in the press

We are on a mission to fix B2B sales.

Login

Portals

Merchants

Place orders, manage customer credit limits, and analyse key performance metrics.

Buyers

Access instant trade credit at the checkout from your favourite merchants.

Book a demoSign up
Legal
Buyer Terms

Buyer Terms

Effective date:

March 10, 2025

English (UK)
English (UK)
Norwegian (NO)
Swedish

Table of contents

Heading 2
Heading 3
Heading 4
Heading 5
Heading 6

TWO B2B 

KEY INFORMATION FOR END CUSTOMERS

Definitions

We use the following terms in this Key Information for End Customers: 

Business Day means any day other than a Saturday, Sunday or a Bank or public holiday in England and Wales; 

Receivable means the amount of any type of debt, payment obligation, indebtedness or monetary claim including any tax or duty payable, owed to a Store, that will arise from Your purchase.

Services means all services provided by Us as part of Our payment solution.

Solution means the services for business-to-business invoicing made available by Us via a software-as-a-service platform.

Store means the (online or offline) store of the business-to-business retailer, or seller, in which You have made Your purchase.

We/Us/Our/Two means TWO B2B LTD (a company registered in England and Wales with company number 13078389 whose registered office is at 4 Crown Place, London, EC2A 4BT, trading as “Two”). 

You/Your means the company that has made a purchase in the Store and has chosen to pay by means of Our payment Services, including any principal where that company is acting as an agent.

Assessment of application and procedure

By choosing the Solution, You are giving Us permission to perform AML checks and credit checks on You. We require Your information for Us to run Our underwriting processes and come to a decision on whether We are willing to purchase a Receivable.

We have absolute discretion on whether to purchase a Receivable. 

Prior to Us purchasing a Receivable, We may contact You to confirm the amount of that Receivable and any other details of the relevant transaction. We may also carry out further verification checks where We deem it appropriate. 

We will only consider purchasing a Receivable if Our verification processes are completed to Our satisfaction. If Our verification process results in Us not wishing to purchase a Receivable, then We aim to notify You within one (1) Business Day of Your order on the Store.

Requirements 

You can only use the Solution if:

  • You are not currently insolvent and have not ceased to pay Your debts in a timely manner;
  • where you are an agent, You must be authorised by the company You represent to use the Solution and to submit a purchase intent on its behalf; and
  • You have provided accurate information regarding Your identity, Your relationship to any company You represent to submit a purchase intent and Your delivery details.

Payment

By choosing to pay using the Solution, you are acknowledging that Your payment obligations arising from Your purchase will be assigned and transferred to Us. You will therefore need to make payment for Your purchase to Us and You only be discharged from Your payment obligations by paying outstanding obligations directly to Us.

You will need to fulfil Your payment obligations arising from Your purchase using Our Solution by the Due Date and in accordance any other conditions stated on each invoice.

Upon Our request, You will need to provide information required for Us to provide the Services and to collect payment from You.

If You fail to pay an invoice by the Due Date: 

  • You will be in default;
  • a late fee may be applied where the invoice remains unpaid after the Due Date; and/or
  • We may decide to transfer Your debt to an external debt collection agency.

If You make a payment without a valid payment reference, We will use the amount paid to cover any outstanding Receivable, starting with the receivable with the earliest creation date.

If You make a payment with payment reference and a payment amount larger than the corresponding Receivable, We will use the additional amount to cover other outstanding Receivables, starting with the receivable with the earliest creation date.

We have the right to assign, transfer and/or sell the debt arising from Your purchase in the Store to a third party at any time.

In the event that You fail to pay any outstanding Receivable by the Due Date, all other Receivables owed by You to Us, whether due or not, will be deemed to be in default immediately. This means that all outstanding amounts will become payable to Us in full, without further notice or demand, and will accrue any applicable late fees or interest from their respective Due Dates.

Responsibility for loss

We are involved in the payment processing activity, but not with Your purchase from a Store. Therefore, except where required by law, we are not responsible for any losses that may occur to You in connection with Your purchase.

Changes

We may from time to time change the basis on which We offer the Solution. If We do so, then We will seek to inform You within 90 Business Days.

Join our newsletter

Lorem ipsum dolor sit amet, consectetur adipiscing elit.

By subscribing you agree to with our Privacy Policy
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
English (UK)
English (UK)
Norwegian (NO)
Swedish
Sell more
Sell OnlineSell DirectSell In-store
B2B toolkit
Reduce riskWork smartGet paid
Company
AboutPress
Partnerships
Santander X Allianz TradeGlobalCommercial
Resources
Two cents blogTwo for buyersPluginsHelp centerDeveloper resourcesCommunication KitStatus
Login
MerchantsBuyers
© 2024 Two. All rights reserved.
Privacy PolicyCookies PolicyLegalTransparency ActBug Bounty Program