Fetch your buyers' credit limits and extend trade credit confidently
Visma Pay and Two partner to bring B2B invoice payments to Finnish webshops
Visma Pay and Two have launched B2B invoice payments for Finnish webshops. Visma Pay merchants can offer business buyers 30-day invoice terms at checkout, with longer terms and instalments to follow. Merchants are paid upfront, and Two takes on the credit and fraud risk and handles invoicing and collections.
Two has partnered with Visma Pay, the Finnish online payment service provider and part of Visma, to bring B2B invoice payments to Visma Pay merchants. Finnish webshops using Visma Pay can now offer business buyers 30-day invoice terms at checkout, get paid upfront, and leave the credit and fraud risk to Two.
What Is the Visma Pay and Two Partnership?
The partnership adds Two's B2B invoice as its own payment option in the Visma Pay checkout, next to the payment methods merchants already offer consumers. Visma Pay merchants can now offer business customers payment terms without managing credit checks, invoicing or collections themselves.
How Does B2B Invoice Work in the Visma Pay Checkout?
- The merchant activates B2B invoice in the Visma Pay merchant portal by accepting Two's terms.
- At checkout, the business buyer selects B2B invoice and enters their company details.
- Two verifies the business and assesses credit and fraud risk in real time.
- Approved buyers get 30-day payment terms. Longer terms and instalments will follow.
- The merchant is paid upfront, and Two handles invoicing, payment reminders and collections.
“B2B e-commerce is growing rapidly, and business buyers now expect the same effortless checkout experience they are used to as consumers. By adding the Two business invoice to Visma Pay, we are extending our invoice service beyond consumer sales to bring that same seamless payment experience to B2B commerce. For our merchants, this is a major step forward. It allows them to offer business clients a flexible, in-demand payment method without manual tasks or credit risks, helping lower purchase barriers, improve conversion rates, and drive growth,” says Petri Poikolainen, Product Director at Visma Pay.
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Why Do Finnish Merchants Need B2B Invoice at Checkout?
Selling on invoice is the norm in Finland. Around two thirds of Finnish B2B sales are made on credit, the highest share in the Nordics, according to the Atradius Payment Practices Barometer 2026. The same survey found that nearly half of Finnish companies expect insolvencies to rise further in the short term, so every unpaid invoice is a growing risk for the seller.
Yet most online checkouts are built for consumers, leaving business buyers to pay by card or order elsewhere. Demand for flexible B2B payments is growing: the B2B buy now, pay later market is projected to reach $669.5 billion in gross merchandise value by 2029, growing 27.4% a year.
What Are the Benefits for Visma Pay Merchants?
Key benefits of the Two-Visma Pay integration include:
- Paid upfront for every approved order, whatever the buyer's terms (how upfront payment works)
- No credit or fraud risk, with Two assuming the risk of non-payment and fraud on approved orders (Two's credit and fraud engines)
- No admin, as Two handles invoicing, payment reminders and collections (automated collections)
- One checkout for every customer, B2C and B2B, through Visma Pay
- Simple activation in the Visma Pay merchant portal merchants already use
“B2B e-commerce has scaled rapidly, but the checkout experience is still stuck in a B2C mindset. Finland runs on trade credit, yet online, corporate buyers are routinely forced into consumer card checkouts, driving massive cart abandonment. At the same time, rising insolvency rates mean merchants can't afford to take on buyer credit risk themselves. Through our partnership with Visma Pay, we’re removing that dilemma entirely: merchants can deliver instant, frictionless B2B invoice terms right at checkout, while we assume the underwriting and credit risk,” says Timo Niinivaara, CCO at Two.
About Two
Two is a venture-backed B2B payments provider founded in Oslo in 2020, on a mission to accelerate economic growth by making net term selling as easy as selling by card. Two enables merchants to offer business buyers instant credit terms at checkout while receiving payment upfront, with Two running real-time credit checks, managing collections and absorbing 100% of the credit and fraud risk. Two is active in 19 markets, with offices in Oslo, Stockholm, Glasgow and London, and partnered with leading financial institutions, including Allianz Trade, DNB, Santander, Visa and ABN AMRO, to help businesses grow with confidence.
About Visma Pay
Visma Pay is a Finnish online payment service provider and part of Visma. It gives merchants access to all popular online payment methods through a single agreement, with onboarding in one to two business days and no setup fees.
For more information, visit https://www.vismapay.fi/
FAQ
Who can offer B2B invoice through Visma Pay?
Merchants selling online in Finland with Visma Pay can offer Two's B2B invoice to their business customers.
What payment terms do business buyers get?
Approved business buyers get 30-day invoice terms at launch. Longer terms and instalments will follow.
Who carries the credit and fraud risk?
Two carries the credit and fraud risk on approved orders. The merchant is paid upfront, even if the buyer pays late or not at all.
How do Visma Pay merchants activate B2B invoice?
Merchants switch on B2B invoice in the Visma Pay merchant portal by accepting Two's terms.
Who sends the invoice and collects payment?
Two sends the invoice to the business buyer and handles payment reminders and collections.
