Built by merchants, for modern B2B commerce.
Founded in 2020, Two is a venture-backed B2B Buy Now, Pay Later (BNPL) provider built to eliminate payment friction, credit risk, and complex receivables management for businesses across the U.S, UK, the Nordics, and Pan-Europe.
Two simplifies B2B sales by letting merchants offer instant credit terms at checkout, whether online or offline. Two automates real-time buyer credit checks, manages collections, and absorbs 100% of the credit and fraud risk. This eliminates the need for merchants to have in-house accounts-receivable departments to offer credit.
Backed by leading financial networks, including our strategic partnerships with DNB in the Nordics, and global banking and insurance alliances with institutional leaders like Allianz and Santander, Two provides the enterprise-grade volume capacity and multi-market regulatory compliance required for complex global scaling, while remaining simple enough to fuel high-growth small and medium businesses (SMBs).
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