Risk Intelligence that works for B2B
Risk-as-a-Service (RaaS) is the future of B2B credit and fraud control. Leverage Two's advanced AI to consolidate all your Buy-Now-Pay-Later payment risks onto one unified platform.
What is RaaS?
Risk-as-a-Service (RaaS) is an enteprise-grade AI-powered, API-first solution that merges fraud detection, credit scoring, identity verification, and merchant-specific risk rules into a single, seamless experience. You can integrate RaaS via API, or manage everything through our Merchant Portal only.
Scale with confidence
Go live in as little as two weeks.
Handle thousands of transaction daily.
Deploy smarter decisions
Our ML models approve the right buyers in real time while stopping fraud before it happens.
Advanced Risk Platform for B2B BNPL payments
Delphi Credit Engine
AI-powered credit assessment that outperforms traditional bureaus by 3.8x
Frida Fraud Engine
Advanced verification that reduces fraud by 99% compared to manual reviews
Risk Management Panel
Set your own limits, customise fraud & credit rules, and monitor performance through our intuitive Merchant Portal.
“Two has easily accessible world class expertise on integration, risk management, credit decisions and anti-fraud, but the point is that you most times don't need to access these people, it is all built into the solution, well documented and easy to integrate with.”
Komplett Launches Nordics’ First B2B Risk-as-a-Service Platform with Two
Frequently asked questions
What exactly is Risk-as-a-Service (RaaS)?
RaaS is an enterprise-grade, API-first solution that merges fraud detection, credit scoring, identity verification, and your own merchant-specific risk rules into one system. Integrate it via API, or manage everything through the Merchant Portal.
How fast can we go live with RaaS?
Most merchants go live in as little as two weeks, and the platform is built to handle thousands of transactions a day without slowing down decisioning.
Do we keep control over our own risk rules?
Yes. You adjust credit limits, fraud rules, and monitoring directly through the Merchant Portal, so RaaS runs on your policies, not a one-size-fits-all model.
How does RaaS compare to traditional credit and fraud tools?
Two's Delphi credit engine outperforms traditional credit bureaus by 3.8x, and the Frida fraud engine reduces fraud by 99% compared to manual reviews.