We’re on a mission to accelerate economic growth by making net term selling as easy as selling by card.
As seen in
Our story
Built by merchants, for modern B2B commerce.
Founded in 2020
A venture-backed B2B payments provider built to eliminate payment friction, credit risk, and complex receivables management for businesses across the U.S, UK, the Nordics, and Pan-Europe.
How Two works
Merchants offer instant credit terms at checkout, online or offline. Two runs real-time buyer credit checks, manages collections, and absorbs 100% of the credit and fraud risk - no in-house AR team required.
Banking & infrastructure partners
Strategic partnerships with DNB and VISA in the Nordics, and global banking and insurance alliances with Santander, Allianz Trade, and ABN AMRO, give us the enterprise-grade capacity and regulatory compliance to scale globally.
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Our values
The values that drive everythingwe do.
Take charge
We are problem-solvers, empowering Twoers to take ownership and be accountable for both wins and losses. We celebrate learning and growth along the way.
Go beyond
We are driven and committed to finding the best solutions for our customers, partners and colleagues, knowing our mission goes beyond ourselves.
Let the best ideas win
We encourage everyone to share ideas, collaborate, and support each other. We listen with humility and respect - what matters is what’s said, not who says it.
Investors
Institutional trust from global leaders.
Two is backed by a world-class syndicate of venture capital funds, regional growth investors, and founder-led angel networks - validation of our mission to remove friction from B2B trade at global scale.
Tier-1 Global VCs
Strategic Regional Growth Funds
Founder & Angel Networks
Careers
Join the future of B2B payments
Come work with us. We are a remote-friendly, global team spread across 15 countries. We bridge local market expertise with global commercial infrastructure, operating out of hyper-collaborative onsite tech hubs across U.S, Northern Europe and the UK. Our operational model embraces a hybrid approach, offering our global team the flexibility to seamlessly work both onsite and from home.
work spaces
Two's offices.
4
Offices
15
Countries
70+
Team members
20+
nationalities
Ready to sell on terms?
Offer instant credit at checkout, get paid upfront, and let us carry the credit and fraud risk.
Frequently asked questions
What is Two?
Two is a venture-backed B2B Buy Now, Pay Later (BNPL) provider founded in 2020, built to eliminate payment friction, credit risk, and complex receivables management for businesses across the U.S, UK, the Nordics, and Pan-Europe.
How does Two work for merchants?
Two lets merchants offer instant credit terms at checkout, online or offline. Two automates real-time buyer credit checks, manages collections, and absorbs 100% of the credit and fraud risk, removing the need for an in-house accounts-receivable team.
Who backs and partners with Two?
Two is venture-backed and works with leading financial networks, including a strategic partnership with DNB in the Nordics and banking and insurance alliances with Santander, Allianz Trade, ABN AMRO, and Visa.
Where does Two operate?
Two operates in 15 countries from 4 offices - Oslo, London, Glasgow, and Stockholm - with a team of 70+ people representing 20 nationalities.
How can I join the Two team?
Two is a remote-friendly, global team with hybrid onsite tech hubs across the U.S, Northern Europe, and the UK. Open roles are listed at careers.two.inc.