Transparent pricing, built around how you sell
Choose net terms, instalments or both, pick your volume, how fast you want to get paid and who carries the credit risk, then get a pricing estimate instantly.
Tailored B2B purchasing power, built for your scale
Select your volume, settlement terms and credit risk cover to see a clear breakdown of what Two costs for your business.
Everything in your configuration
This list updates as you change the configurator above.
Instant approve/decline at checkout, online or offline.
Automated company verification in seconds.
Every order, payout and decision in one portal.
Drop-in UI or full API control.
Shopify, Magento and custom checkouts.
Invoices, payment reminders and dunning sent for you, with collections when buyers pay late.
Paid on your chosen settlement schedule.
The right banking partner to suit your volume and market.
Sell cross-border in your buyers’ currencies.
Losses on covered transactions are on us.
Fraud screening and dispute handling built in.
3 to 36 months, configured by you.
Buyers get every payment on time.
Settled automatically, no admin.
Funded and insured by names you know
Santander moves into the B2B BNPL market with Two
Finextra · Jan 2023
Read press release
Two and Allianz Trade partner to develop the b-commerce market
Trade Finance Global · Jun 2022
Read press release
Two partners with ABN AMRO to modernise B2B e-commerce payments
The Paypers · Dec 2024
Read press release
DNB and Two launch a B2B BNPL solution for Nordic businesses
The Paypers
Read press release
Bank-partner funding for Two merchants, depending on geography
Regulated & compliant
Operating across Europe, the Nordics and the US with full KYB/AML controls.
Your data stays protected
Data stored in the EU and processed under GDPR.
Insurance-backed risk
Credit risk on covered transactions backed by Allianz Trade where applicable.
Pricing questions, answered
How is my final price determined?
Your estimate is built from three parts: operating cost, cost of funds and cost of risk. Cost of risk is based on the credit losses you expect, and we verify it by credit-checking a list of your buyers before confirming your final price.
What counts as “volume through Two”?
The value of approved orders your buyers pay through Two, net of returns and cancellations. Declined orders don’t count.
If I choose “no funding”, am I paying anything for capital?
No. With no funding there is no cost of funds. You pay the cost of operations, plus the cost of risk if Two carries the risk on your buyers.
What’s the difference between “selected buyers” and “all approved buyers”?
With selected buyers, you choose which approved buyers Two carries the risk on, typically your riskiest or largest. With all approved buyers, Two carries the risk on every order it approves.
Can I change my configuration later?
Yes. Many merchants start with decisioning only and add funding or risk cover once they trust the decisions. Changes apply to new orders.
What happens if a buyer defaults on an order Two funded?
If Two carries the risk on that buyer, you keep the money and Two handles collections. If you carry the risk, the funded amount is reclaimed from future payouts.
What integration effort should I expect?
Plugins for Shopify and Magento go live in days. Custom checkouts use our API and pre-built components, and you can start self-serve from the Merchant Portal.
Is there a free trial or shadow-mode option?
Yes, for decisioning-only (no funding) setups you can start free and run Two alongside your current process before switching it on.
Which countries and currencies do you support?
Two operates across Europe, the Nordics, the UK and the US, with multi-currency support on funded configurations.
Who are your funding and insurance partners?
Funding is provided with bank partners including Santander, ABN AMRO, DNB and Avida. We match you with the right partner for your volume and market.
How is my data used and where is it stored?
Your data is used only to provide and improve credit decisioning for you, stored in the EU and processed in line with GDPR.
Ready to get started?
Two paths, both legitimate: start free and self-serve, or talk to our team about a tailored setup.
Start free trial
Boost efficiency
Talk to sales
Best for enterprise volumes, full-portfolio risk cover or a tailored setup across markets.