How can we help you?

All you need to do is sign up here. When you've signed up, you can begin offering invoicing to your business buyers as soon as you've integrated the Two solution to your store. If you want Two to take the financial risk - click "request financing" when you've signed up and we'll be in touch.

We help you manage your invoice flow by pre-populating all invoice data based on the information found by our search API in the checkout.

In the UK: an email with the invoice is sent to the buyer when the order is approved by the merchant.

In Norway: a copy of the invoice is sent to the email provided by the person initiating the purchase on behalf of the company and directly to the accounting system if the company is registered for receiving EHF invoices. EHF is available for companies registered in ELMA or PEPPOL.

There are two ways to setup Two as a payment solution:

1. Plugins - Find the installation guides here.

2. REST API - customizable. To access our API documentation - please send an email to support@two.inc.

Yes! Two can be integrated across many e-commerce checkouts. It also works with other payment solutions - no need to worry about a clash.

No. We deliver quick settlements on a regular basis regardless of when the buyer has settles their invoice. Most of our merchants prefer a weekly payout to keep it simple for both you and your accountant.

*This may differ if you have our direct invoice product.

Your buyer adds their company details to the checkout page. Our company search will even populate the address and organisation number for them. If they choose to checkout with Two, they're redirected to our verification journey. They will need to verify their identity using one of: email, SMS, or an open banking login. In Norway, buyers verify their identity with SMS or Vipps.

For your company's protection, Two needs to verify your identity.

Two uses Yapily’s open-banking API solely for identity verification.

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In the UK, we ask a customer at your checkout to verify their identity with one of several methods. A buyer will need to verify using an SMS, an email, or with their bank account. In Norway, we ask a customer at your checkout to verify their identity with either an SMS or a Vipps login.

For your company's protection, we need to verify your identity. We use Vipps-login for this as it is a quick and safe method to identify who you are. Please input your personal telephone number in the identification process. This will give you a notification on your Vipps App asking you to select the number now shown in your browser. We do not use Vipps as a payment method, only as verification.

We send buyers an invoice reminder a couple of days before their due date. We send subsequent reminders if a buyer still doesn't pay after the due date.

If the invoice isn't paid after 30 days past due date, the invoice will be sent to a collections agency. If an invoice goes to debt collection, the buyer will not be able to use Two until the debt is paid.

We offer plugin integration support via our support channel: support@two.inc. For custom API integrations we offer a direct communication channel to one of our expansion engineers.

We have extensive plug-in documentation you can find in the merchant portal. If you have any other queries - you can always reach out to support@two.inc or your point of contact in the Two sales team.

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There are only 2 steps in our onboarding process and the process is almost entirely online. If you sign up here now, you even get direct access to your own merchant portal. Have a look around to see if you like it!

Tech integration: We've developed plugins for the most common e-commerce platforms for a swift integration. Depending on the platform you use, the process can be as simple as doing it yourself in 15 minutes.

Legal onboarding: Due to the nature of our product, we need to make sure your company is signed up according to compliance regulations. This process can take up to 4 days from your completed signup process until your application is approved. This is usually the maximum amount of set up time however, usually it's much faster than this. To save time, you are able start with the tech side of the process while we handle the "paperwork" of the legal side.

Yes! If you need to complete the open banking verification, you're still able to checkout with Two. You simply need to use your personal bank account to verify your identity. This process has nothing to do with paying the invoice and we won't take any money from that account.

You can decide whether to offer your buyers 14, 30, 45 or 90 day repayment terms. Terms can be offered one-by-one, or in bulk, to your customers.

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We have an experienced anti-fraud team with over 40 years of industry experience building solutions to transaction fraud. They have built a bespoke Fraud & Verification service in the business that uses similar anti-fraud approaches that are also used by established B2C players and financial institutions. Our risk engine goes through thousands of internal and external parametres to determine the risk level of each purchase done through Two.

In the UK: Two is available for private and publicly limited business buyers. In the near future, Two will also be available for sole traders in the UK.

Two has a plug-in available for WooCommerce, PrestaShop, OpenCart and Magento shops. There’s also a custom API solution that you can integrate if your online business isn’t on one of those platforms.

Purchase order number can be added in the order notes section on your e-commerce checkout. We include this on the invoice.

Your customer will receive your normal order confirmation once the order is placed. When you fulfil their order - we send them an invoice for them to pay at their convenience.

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Our merchants can choose to be paid daily, weekly or monthly.

We support purchases from companies registered in the UK, Norway or Sweden. A buyer can choose to pay back using an international bank account.

Our customer success team are always at hand to answer your questions. Get an answer to your question any time between 8:00 and 20:00 GMT. Reach out with any questions to support@two.inc.

Pricing depends on the size of your business, but we aim to be competitive with any other payment option. Request a demo with our sales team to discuss pricing for your business.

Your customers select Two at the checkout, similar to PayPal or Stripe. At that point, we’ve already run a check on the buyer to decide if they’re eligible to pay with Two. The buyer is taken to our seamless verification flow. This will be either a SMS, email or Open Banking verification. When they’ve verified their identity, the order is confirmed.

If you request funding for your invoices, Two will take the credit risk. If you want to offer certain customers a higher credit limit, you can opt to take the credit limit yourself.

Please reach out to support@two.inc if you'd like further information.

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Log in to your merchant portal here to set payment terms for your customers.

1. Go to Customers

‍2. Choose preferred number of invoice days from the drop down menu under Invoice payment terms.‍

3. The next time your customer checks out via Two their payment terms are updated.

The direct payment option is an easy and secure way to pay your invoices and statements directly from your bank account without entering any payment details manually. This service is powered by our partner, Yapily, a FCA regulated payment initiation provider. When you consent to a payment it is immediately debited from your account and sent to Two, at no additional cost to you.

YapilyConnect Ltd is a company in the UK authorised and regulated by the Financial Conduct Authority to provide account information and payment initiation services. You may review Yapily’s legal policies, including their Terms & Conditions and Privacy Policy here: https://www.yapily.com/legal/ 

No, initiating a direct payment has exactly the same costs as a manual bank transfer. In the UK, we are using the Faster Payments scheme to process these payments.

1. Click on “Click here to pay” in your statement mail that you receive from two.inc 
2. Review the payment details and make sure it matches to the statement you have just received (if you have any questions, contact support@two.inc)
3. Select your bank
4. We will then securely redirect you to your bank. If you want to complete the flow on mobile (recommended) scan the QR code with your phone’s camera, if you want to complete the flow on desktop click tap the “Continue to your bank” button. 
5. When you log into your bank, log in and confirm the payment (you will see the name of our partner YapilyConnect / SafeConnect here, that is expected behaviour)
6. Once you complete the process, wait a few seconds to be redirected back to Two, where we will show you a confirmation page about the payment

At any stage up to the last step of the process, you can cancel the flow.

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It can take up to 2 hours for your bank to process your payment. Once it is done, you will receive a confirmation email from Two. It can take us up to 5 business days to register your payment. If you receive any payment reminders shortly after successfully paying, please ignore them.

Once you approve a direct payment, you will see a confirmation page confirming the details of the payment you have just made. You will also receive a confirmation email shortly after. Finally, you will see the payment on your bank statement. 

In rare cases, even after completing all steps successfully, you may see a “Payment failed” screen at the end of the flow. This is can happen if your bank rejects the transaction for any reason. In this case, Two will send you an email informing you about the failed transaction.

To verify that a transaction has failed,check your bank account to confirm that no funds have been deducted. If this is the case, you may safely retry to complete the flow again. If the same bank rejects your payment twice, you may want to try completing the flow in a different way (e.g. scanning the QR from your phone instead of finishing the flow on your desktop), try a different bank, or pay via manual bank transfer.

No, neither we nor Yapily will have any type of login access to your bank account.

As a Merchant you can log in to our Merchant Portal. Here you can view your invoices sent to buyers, manage your orders and your company's users.

For the buyer's company's protection, Two needs to verify the buyer's identity. We use Yapily’s open-banking API solely for identity verification. It's simple to verifiy yourself using Yapily.

Please input your personal telephone number when completing your check-out. Once you hit "place order", you will be prompted to select your bank (please note that you can use your personal bank as this is for verification purposes only). You will then see a QR code on the screen which you can scan with your mobile phone to complete the verification flow.

Alternatively, you can complete the flow on the computer screen.

To refund an order please follow these steps in the back-end of your WooCom shop:

1) Click into the order you wish to refund

2) Click "refund" (located under the line items)

3) Enter the amount/number of items you wish to refund

4) Select refund via Two. After this a credit note will be generated

If your buyer does not pass Two's credit checks you are able to offer them our direct invoice product.

Direct Invoice means you can still offer your buyer the payment terms you wish, however you would be taking on the credit risk for that particular invoice.

Two is an invoice issuer for online business purchases. We provide a buy now, pay later solution so that companies can offer custom payment terms to its B2B buyers.

For your company's protection, we need to verify your identity. We use Yapily open-banking as it's a quick and safe method to identify who you are. The bank checks we do are not actually about taking payment - they are to confirm your identity. Two is the first company in the UK to use people’s bank accounts as a way to identify them.

UK banks are really, really secure. We lean on that security to make verifying you really are who you say you are as easy as possible. By asking you to login to a bank account - any bank account, whether it’s personal or business - we can know with 100% certainty who you are.

You do not need to use your company's bank account for the Yapily verification, you can use your personal bank account. As Yapily is for verification purposes only, the account used does not need to be the account that will be used for payment.

To pay your Two invoice, please pay via bank transfer. You can find the correct bank account information on your invoice under "Payment Information". Please ensure that the name on the Account reads Two B2B LTD and that you input the reference correctly.

At this time Two only accepts payment via bank transfer. We are working to offer alternative payment methods to make the payment process easier for buyers.

In your Wordpress admin go to WooCommerce-> Settings -> General. Scroll down to the field named Number of decimals, make sure that it is set to 2

Two uses a verification process where the person buying from a Merchant using Two needs to verify themselves using Yapily. Using this method, the buyer verifies that they go through with the purchase using their personal information, making fraud attempts very unlikely.

Two takes the fraud risk in the UK as we take responsibility verifying the buyer and look at both delivery and registered addresses when making the decision. However, if the buyer calls up the merchant after the purchase and requests a change to the delivery address after the order is placed, and the merchant does so, then the risk sits with the merchant.

This is a common type of fraud which Two cannot spot as it occurs after the order has been placed.

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Buyers that are 21+ days delayed in paying existing due invoices might be blocked by our decision engine from using the Two payment solution until these invoices are brought up to date.