We are happy to announce that we have joined forces with ABN AMRO, one of the Netherlands’ largest banks, to launch a pioneering “Pay on Invoice” solution in the Dutch market. This collaboration brings a secure, flexible, and frictionless payment experience to B2B e-commerce, allowing businesses to focus on growth while eliminating the risks and cashflow issues traditionally associated with offering payment terms.
A game-changer for ecommerce
By merging Two’s advanced payment and risk technology with ABN AMRO’s financial infrastructure, we offer a solution that eliminates risk for sellers while empowering buyers with the flexibility they need to succeed. Sellers can confidently extend 30-day net terms to their customers without worrying about delayed payments, thanks to Two’s instant credit decisions and ABN AMRO’s guarantees. Sellers can now confidently extend 30-day net terms to their customers via instant credit decisions, knowing payments are guaranteed, while buyers can pay later.
How it works
This collaboration creates a seamless payment experience for businesses, bringing the convenience of consumer e-commerce into the world of B2B. Key highlights include:
- Buyer select eg. “Pay in 30 days” at checkout. Two’s technology instantly checks their eligibility and approves them.
- Sellers get paid upfront, with ABN AMRO guaranteeing the payment. No more late payments or chasing invoices.
- Buyers receive the invoices electronically and pay in 30 days
- From credit checks to payment reconciliation, the processes runs automated in the background.
The solution works for businesses of any size, handling everything from small orders to large transactions.
It's all about helping merchants sell more, safely
The collaboration between Two and ABN AMRO is about more than payments, it’s about creating opportunities for growth.
Andreas Mjelde, CEO and Co founder of Two says, “This solution represents the future of B2B payments—fast, secure, and tailored to how businesses operate today. Our mission has always been to remove the complexity of offering net terms, and partnering with ABN AMRO allows us to deliver this on a much larger scale. Together, we’re enabling businesses to focus on what they do best while we handle the rest.”
Marc Baan, Head of Strategy & Innovation at ABN AMRO, emphasised , “ABN AMRO is proud to join forces with Two to provide a solution that addresses real challenges faced by our business clients. By ensuring sellers get paid and buyers gain financial flexibility, we’re helping companies strengthen relationships and unlock their potential.”
A New Era for B2B E-Commerce
"Pay on Invoice" will initially launch for ABN AMRO’s business clients in the Netherlands, with plans to expand across Europe. This partnership signals a future where B2B commerce becomes truly seamless - enabling businesses to offer net terms effortlessly, scale efficiently, and build stronger buyer relationships.
About Two
Two is on a mission to make B2B payments as simple as card payments by providing instant, risk-free access to net terms. Operating across 15 countries and partnering with leading financial institutions, Two enables businesses to offer flexible payment options and removes complexity and risk from every transaction.
About ABN AMRO
ABN AMRO is a leader in sustainable banking and innovative financial services, serving millions of customers and businesses. Its commitment to empowering clients with forward-thinking solutions has made it a trusted partner in the Netherlands and beyond.
