Two is the Sequoia-backed, API-based B2B payments technology specialist. We offer a business-to-business, buy-now-pay-later solution, enabling an easy way for buyers to purchase on net terms on invoice, group multiple purchases and invoices and paying back in a single statement, or split bigger ticket items into instalments over 3-36 months. We pay the seller upfront, and take on the credit risk and fraud risk for the transaction.

Our technology enables lightning-fast repeat purchases, high credit limits and low seller operational overhead across varying purchasing journeys, both online and instore. Our partnership with Santander and Allianz enables us to scale up to any transaction size and volume across the developed economies.