Fraud in B2B payments is no longer occasional - it’s systematic, sophisticated, and hitting merchants where it hurts most. According to the 2025 AFP Payments Fraud and Control Survey, 79% of organisations reported being victims of attempted or actual payments fraud in 2024. For high-value sectors like electronics, even a single missed fraud attempt can cost thousands.
That’s why Komplett, one of the Nordics’ largest and most innovative electronics retailers, has partnered with Two to launch the region’s first fully integrated Risk-as-a-Service (RaaS) platform. This marks Two’s first enterprise deployment of RaaS, live across Komplett’s B2B operations in Norway, Sweden, and Denmark.
A new standard in B2B risk management
Previously reliant on manual credit checks and fragmented data, Komplett faced delays and exposure to increasingly sophisticated schemes:
- Fake or hijacked business identities
- Impersonation of employees within real companies
- Abuse of invoice terms
With Two’s RaaS solution, all of that changes. Komplett can now:
- Automate fraud and credit checks in milliseconds
- Verify both businesses and buyers in real time
- Configure credit policies with no code
- Eliminate manual reviews and lower operational cost
The result? Faster onboarding, fewer losses, and a frictionless experience for genuine buyers.
Striking the balance between control and conversion
Andreas Mjelde, CEO & Co-founder of Two, explains:
“B2B fraud has evolved rapidly. What was once rare and opportunistic is now systematic, frequent and increasingly clever. With order values often exceeding €5,000, B2B payments have become a prime target. Our work with Komplett shows how AI-powered, real-time decisioning can strike the right balance between control and conversion - without adding friction.”
Anne Mari Huseby, Head of Credit at Komplett, added:
“The implementation process with Two has been seamless from start to finish. We’ve addressed some of the most complex B2B scenarios - from machine-to-machine orders and migrating hundreds of thousands of existing customers, to handling sub-units of organisations, sole traders in Sweden, and export orders with payers in secondary countries. Together, we’ve built a robust, flexible solution that protects our business and delivers a smoother experience for our customers across the Nordics.”
More than fraud prevention
This partnership is about more than protection - it’s about redefining B2B payments in the digital economy. By unifying fraud detection, credit scoring, identity verification, and merchant-specific rules into a single, API-first platform, Two and Komplett are showing how enterprises can build trust, scale faster, and operate with greater confidence.
For us at Two, this milestone is a major step in our journey from B2B payments specialist to comprehensive risk and payments partner for modern commerce.
About Komplett
Komplett Services is part of Komplett Group, a publicly listed company on the Oslo Stock Exchange, with headquarters in Sandefjord, Norway. The group consists of the subsidiaries Komplett Services, Webhallen, and NetOnNet, employing more than 1,700 people across Norway and Sweden. Together, we are the Nordic region’s largest online electronics retailer, offering one of the market’s broadest product assortments. As pioneers in e-commerce, Komplett Services has been online since 1996. Today, we generate annual revenues of NOK 8.1 billion and operate seven online stores across three segments: consumer, business, and distribution. Komplett Services has 360 employees located in Sandefjord, Oslo, Gothenburg, and Stockholm.
About Two
Two is on a mission to revolutionise B2B payments by making net-term selling as effortless as card payments. With a diverse team spread across 15 countries and offices in Oslo, Stockholm, Glasgow, London and New York, as well as collaborations with leading financial institutions such as Allianz, Santander, ABN AMRO and VISA, Two has become a trusted payment enabler for B2B companies throughout Europe.
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