Two

Two is a venture-backed B2B payments provider founded in 2020, built to eliminate payment friction, credit risk, and complex receivables management for businesses across the U.S, UK, the Nordics, and Pan-Europe. Merchants offer instant credit terms at checkout, online or offline; Two runs real-time buyer credit checks, manages collections, and absorbs 100% of the credit and fraud risk. Its AI risk engines are named Delphi (credit) and Frida (fraud). Two reports strategic partnerships with DNB and VISA in the Nordics, and global banking and insurance alliances with Santander, Allianz Trade, and ABN AMRO. It states €40M+ total capital raised to date.

Two was founded in 2020 as a venture-backed B2B payments provider built to eliminate payment friction, credit risk, and complex receivables management for businesses across the U.S, UK, the Nordics, and Pan-Europe. It states that continuous institutional backing since 2020 gives it the balance-sheet strength to underwrite credit and fraud risk at scale, and that it has raised €40M+ total capital to date.

The net terms infrastructure that grows your revenue, built with superior credit and fraud engines.

• Delphi

  AI credit engine providing credit decisions in under 2 seconds and 7x higher limits than industry-leading credit bureaus.

• Frida

  AI fraud engine that fraud-checks every customer and prevented €70 million in fraud losses in 2023.

1. 1Two #1 B2B Payments Platformtwo.inc
2. 2About Two | #1 B2B Payments Platformtwo.inc
3. 3Get Paid | Same-Day Payouts & Automated Reconciliation | Twotwo.inc
4. 4Legal | Terms & Policies for Two's Servicestwo.inc