Provide extra credit when it matters.
90% acceptance rate
95% checkout conversion rate
No extra inputs needed
No onboarding reviews mean your customers can sign up for terms instantly.
Flexible terms for any type of selling between 30 days to 24 months.
What you’ll achieve with Two
Larger basket size with added purchasing power
Reduced cart abandonment rate with instant credit
No need for buyers to use personal or company cards
Hassle free invoicing and payment collection
95% of business buyers prefer to pay on net terms. Give them what they want.
We pay you immediately and take on the risk, so that you can grow your business faster.
Quickly build seamless payment experiences and grow performance, all with the backing of our services team.
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Learn how NetOnNet achieved a 90% conversion rate with Two!
Bildeler.no expanded their B2B sales and achieved a 96% acceptance rate for new customers, fueling their business growth.
Quickly build seamless payment experiences for SME and Enterprise.
Two's company search streamlines the checkout process by providing essential company information. Our Search API provides up-to-date company details from trusted sources in the UK, Norway, and Sweden.
Example: After identifying the buyer’s company, we pull their official billing address, run a credit and fraud check.
A billing account is automatically set up for each new buyer, consolidating their orders and payments into a single, easy-to-manage account.
Users of the Billing Account can make purchases with just one click. This simplifies the buying process for returning customers.
Manage employees who can place orders on behalf of your business. This allows multiple users from a single business to purchase using their company’s account.
Set flexible payment terms for each billing account. Define how long buyers have to pay once they receive their statement, ensuring clarity on deadlines.
Offer your buyers grouped payment statements. Align the schedule with payment terms to ensure timely payments without overwhelming buyers.
Example: Send monthly statements with 30-day payment terms to give buyers time to settle their accounts.
Control when payment statements are generated, allowing extra time to process refunds or changes before sending final invoices to buyers.
Example: Set a 4-day delay to ensure any refunds are processed before the statement is sent.
Create multiple billing accounts for different departments or branches within the same business. Use descriptive names to easily manage and differentiate them.
Example: Assign billing accounts like “Marketing Dept” or “London Branch” to keep track of specific teams or locations.
Create repayment plans that allow buyers to pay over time through instalments from 3 to 36 months. Multiple repayment plans can be invoiced together for simplified payments.
Flexible repayment frequencies:
Common use cases:
Perform credit checks on buyers to determine the repayment terms that fit their profile. This helps ensure repayment plans are manageable and reduce risk.
You receive a net payout once a repayment plan is fulfilled, based on your negotiated payout cycle. This helps maintain cash flow while buyers pay over time.
Cancel repayment plans to prevent invoicing of any future instalments. This feature gives merchants control over stopping further payments if needed.
Monitor the funding and fulfilment status of repayment plans, ensuring that everything is on track and buyers are meeting their payment obligations.
Get a breakdown of upcoming instalments to review and plan payments. This provides transparency for both merchants and buyers on payment schedules.
Our risk engines allow us to absorb all risk on your behalf while keeping your buyer journey uninterrupted.
90% buyer approval rate
5-20x better buyer spending power than cards
Provide more spending power
Two integrates with a range of popular platforms so you can get started straight away.
Our API mirrors the familiar flow of credit card transactions, so your team won’t need to adopt new complex processes.
Sign up to try our Merchant Portal or book a demo with our sales team.
Close direct sales faster by offering credit on the spot.
Built by merchants, for merchants.