Credit approval and fraud detection in a single search.

Most of the time, Two takes on the credit and fraud risk for your transactions. That means we pay you even if your buyer doesn’t. In some cases, depending on the market or solution, you may still carry the risk. We also handle credit checks, fraud checks, and collections, so you don’t have to.

Two’s fraud engine protects every transaction by analyzing thousands of data points in less than a second. Backed by 40+ years of industry experience, our anti-fraud team ensures you, your buyers, and Two stay safe. To confirm orders, buyers may verify their identity via email or trusted systems like Vipps (Norway) or BankID (Sweden)

*Fraud and credit checks may vary depending on market or solution chosen.

When your buyer chooses to purchase with Two, we run an instant credit check to assess their creditworthiness based on their company name. If necessary, your buyer will then be asked to verify their identity via our verification process. This takes less than 30 seconds.

When rejected on credit, your buyer will see that we do not offer them credit as an alert.

Two will not provide a higher credit than what’s given. In that case, you can refer the buyer to a different payment method or utilise the recourse fallback product, where your company takes the risk.

In the the Merchant Portal, you will be able to see if someone was rejected for credit and how much.