Norwegian B2B buy now, pay later (BNPL) startup

   Key Data

  • Trading Name: Two.
  • Legal Entity: Two AS., Two B2B Ltd, Two Bcommerce AB
  • Activities: B2B payment Suite
  • Location: Oslo, Norway
  • Regulations: none
  • Key People: Andreas Mjelde, Ed Brandler, Joachim Kruger, Kiran Thomas, Stavros Tamvakakis

Two is a company that provides Buy Now Pay Later (BNPL) solutions for B2B E-Commerce. Their payment solutions offer seamless B2B payments, drive business growth, and fix cash flow for good.


Two offers a comprehensive set of B2B payment solutions with integrated trade credit at the checkout. They allow businesses to offer all online and offline business customers interest-free trade credit regardless of total sales volume. Instant trade credit without the admin or credit risk.

Two’s payment solutions work with how you sell, making your B2B checkout process seamless, increasing conversions, reducing credit risk, and getting paid faster.

They also offer instalments to let your B2B customers split payments for purchases over 3 to 24 months and a turbocharged trade payment solution to boost B2B sales. Two handles everything from ID verification and credit checking to invoice issuing and collecting customer payments. They also handle all dunning procedures so you can focus on growing your business1.


Two charges sellers a transaction fee that is, according to the company, “typically lower than what it costs to process cards from a business customer” — which most commonly sits between 1.5–3.5% per transaction.


Low to Medium Risk

Construction, Wholesale, B2B Marketplaces, SaaS


It is worth noting that Pay Jet operates without specific regulatory oversight, which raises concerns about the level of compliance and consumer protection measures in place.


  • Alumni Ventures
  • LocalGlobe
  • The Visionaries Club
  • Alliance VC
  • Sequoia


Customer review

Trustpilot. 4.0 Stars with 20+ Reviews


In March 2023 the company raised €18m in Series A


We could not find anything negative around Two and all the necessary information is given as well as positive customer reviews so we rate the BNPL provider on Green.

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