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At Two, we’re revolutionising B2B payments, bringing the seamless experience of consumer transactions to business purchases. Today, we’re excited to announce our partnership with Avarda, a leading Nordic payment provider, to launch a next-generation white-label solution catering to both businesses and consumers.
By integrating Two’s cutting-edge B2B Buy Now, Pay Later (BNPL) technology with Avarda’s B2C payment expertise, we enable merchants to offer a fully branded, unified checkout experience. This means businesses across the Nordics can streamline both B2B and B2C transactions without the complexity of multiple providers.
Why This Partnership Matters
The Nordic e-commerce market is set to reach $41.47 billion in 2025, growing annually at 7.93% through 2029. While B2C payments have advanced rapidly, B2B transactions still suffer from outdated invoicing processes that slow down commerce. With BNPL adoption gaining traction in B2B, businesses are increasingly recognising its benefits—improved cash flow, higher conversion rates, and greater operational efficiency. Together, Two and Avarda are bridging this gap by delivering a seamless, digital-first payment experience for both business and consumer buyers.
What This Means for Merchants
- Offer both B2B and B2C payment options in a single, customised checkout
- Provide instant credit decisions with high approval rates for business buyers.
- Reduce payment friction and boost customer satisfaction with an automated process.
- Leverage advanced fraud prevention and risk management tailored for B2B sales.
Launching first in Sweden, Norway, Denmark, and Finland, this solution is set to transform how merchants handle payments in one of the world’s most advanced digital commerce regions.
Breaking Barriers in Business Payments
For Two, this partnership is a milestone, expanding our Nordic presence and embedding our B2B BNPL solution into a white-label B2C platform for the first time. With Avarda’s extensive merchant network, we’re accelerating B2B BNPL adoption, making it easier for businesses to offer flexible payment terms without risk or hassle.
The Future of B2B Payments
The B2B BNPL market is projected to reach $669.5 billion in gross merchandise value by 2029, growing annually at 27.4%. As BNPL adoption accelerates, businesses can no longer ignore the financial advantages—larger basket sizes, higher conversion rates, and smoother cash flow management.
At Two, we’re committed to redefining B2B payments, making transactions effortless for merchants and buyers alike. Our partnership with Avarda is just the beginning—expect continued innovation as we push the boundaries of digital commerce.
About Avarda
Avarda is a leading payment solution provider in northern Europe, offering complete checkout solutions designed to maximize conversion and repurchase rates. Through white label payments, Avarda empowers retailers to own the customer journey, creating fully branded checkout and post-purchase experiences that enhance brand identity and loyalty. Avarda’s customizable solutions are designed to boost conversion and integrate seamlessly with business operations.
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.
