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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 boosts B2B sales, conversion rates, and average order value by enabling you to accept more customers with confidence. Our fraud engine Frida and credit engine Delphi learn from every transaction, instantly approving legitimate buyers while keeping loss rates low. Over 200 merchants already rely on this infrastructure to convert buyers they would otherwise turn away. With Two, you can confidently offer the best credit limits on the market, encouraging larger orders and speeding up the purchasing process.

Two takes care of invoicing, payment collection, and dunning, freeing you to focus on what matters most — growing your business and serving your customers.

With Two, you no longer carry the risks of selling on net terms. Our credit and fraud engines are built specifically for B2B transactions, ensuring every buyer is accurately assessed so you can extend credit with peace of mind.

Unlike traditional net terms, Two pays you upfront for every purchase. This unlocks working capital, strengthens your cash flow, and gives you the financial flexibility to grow your business.