Two
Founded Year
2020Stage
Series B | AliveTotal Raised
$46.16MLast Raised
$15.2M | 2 mos agoMosaic Score The Mosaic Score is an algorithm that measures the overall financial health and market potential of private companies.
+63 points in the past 30 days
About Two
Two specializes in B2B Buy Now Pay Later (BNPL) payment solutions within the e-commerce sector. The company offers services that enable merchants to provide high net term credit limits, manage credit and fraud risks, and streamline the checkout process for business customers. Two's solutions cater to various sectors, including construction, wholesale, B2B marketplaces, and SaaS. Two was formerly known as Tillit. It was founded in 2020 and is based in Oslo, Norway.
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Two's Product Videos
ESPs containing Two
The ESP matrix leverages data and analyst insight to identify and rank leading companies in a given technology landscape.
The buy now pay later (BNPL) — B2B payments market allows businesses to acquire goods and services immediately and pay for them in installments over time, helping to increase purchasing power and manage working capital and cash flow. These solutions provide streamlined application processes, quick approvals, and transparent terms. They typically include online platforms, embedded finance tools, or…
Two named as Challenger among 15 other companies, including Affirm, PayPal, and Mondu.
Two's Products & Differentiators
Guest Checkout
Enables B2B buyers to complete a purchase online in under 60 seconds without creating an account. Designed for one-off and infrequent buyers with an AOV of €650.
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Research containing Two
Get data-driven expert analysis from the CB Insights Intelligence Unit.
CB Insights Intelligence Analysts have mentioned Two in 4 CB Insights research briefs, most recently on Jun 6, 2025.
Jun 6, 2025
The SMB fintech market map
Aug 23, 2024
The B2B payments tech market map
May 8, 2024
The embedded banking & payments market map
Oct 3, 2023 report
Fintech 100: The most promising fintech startups of 2023Expert Collections containing Two
Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.
Two is included in 4 Expert Collections, including Digital Lending.
Digital Lending
2,661 items
This collection contains companies that provide alternative means for obtaining a loan for personal or business use and companies that provide software to lenders for the application, underwriting, funding or loan collection process.
Payments
3,199 items
Companies in this collection provide technology that enables consumers and businesses to pay, collect, automate, and settle transfers of currency, both online and at the physical point-of-sale.
Fintech
14,013 items
Excludes US-based companies
Fintech 100
100 items
Two Patents
Two has filed 16 patents.
The 3 most popular patent topics include:
- babycare
- fluid dynamics
- infancy
Application Date | Grant Date | Title | Related Topics | Status |
|---|---|---|---|---|
9/28/2018 | 10/1/2024 | Pelvis, Interventional radiology, Medical equipment, Catheters, Implants (medicine) | Grant |
Application Date | 9/28/2018 |
|---|---|
Grant Date | 10/1/2024 |
Title | |
Related Topics | Pelvis, Interventional radiology, Medical equipment, Catheters, Implants (medicine) |
Status | Grant |
Latest Two News
Sep 5, 2025
Two partners with Komplett on AI risk-as-a-service By Vriti Gothi Share Two , a B2B payments technology, has partnered with Komplett to introduce a Risk-as-a-Service (RaaS) platform. With this launch, Komplett becomes the first enterprise in the Nordics to deploy real-time, AI-driven credit and fraud decisioning across its B2B operations in Norway, Sweden and Denmark. The initiative comes amid a sharp rise in B2B e-commerce fraud, which is growing in both scale and sophistication. According to the 2025 AFP Payments Fraud and Control Survey, 79% of organisations reported attempted or actual fraud in 2024, while global e-commerce fraud losses are expected to more than double by 2029. High-value sectors such as electronics remain especially vulnerable due to large order volumes, extended payment terms and legacy risk controls. Komplett’s adoption of Two’s RaaS platform represents a decisive response to these challenges. Built on an AI-powered, API-first architecture, the solution integrates fraud detection, credit scoring, identity verification and configurable risk policies into a single framework. This enables instant decisioning at checkout, creating a secure yet frictionless experience for buyers while safeguarding the retailer against financial losses. Andreas Mjelde, CEO and co-founder of Two, said, “B2B fraud has evolved rapidly. What was once rare and opportunistic is now systematic, frequent and increasingly clever. With order values often exceeding €5,000, B2B payments have become a prime target. Our work with Komplett shows how AI-powered, real-time decisioning can strike the right balance between control and conversion – all without adding friction.” The deployment also marks Two’s first enterprise rollout of its RaaS product, signalling its expansion into a market projected to reach $52.7 billion by 2031. Anne Mari Huseby Le, Head of Credit at Komplett, said, “The implementation process with Two has been seamless from start to finish. Together, we’ve built a robust, flexible solution that protects our business and delivers a smoother experience for our customers across the Nordics.” By uniting payments, credit, fraud protection and risk management into a single digital infrastructure, Two and Komplett are redefining how B2B retailers in Europe safeguard growth in an increasingly complex fraud landscape. Previous Article Digital monthly issue Global coverage
Two Frequently Asked Questions (FAQ)
When was Two founded?
Two was founded in 2020.
Where is Two's headquarters?
Two's headquarters is located at Kongens gate 6, Oslo.
What is Two's latest funding round?
Two's latest funding round is Series B.
How much did Two raise?
Two raised a total of $46.16M.
Who are the investors of Two?
Investors of Two include Sequoia Capital, Phoenix Court, Antler, Shine Capital, Arkwright X and 23 more.
Who are Two's competitors?
Competitors of Two include Hokodo, Kriya, Mondu, Ledyer, Balance and 7 more.
What products does Two offer?
Two's products include Guest Checkout and 4 more.
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Compare Two to Competitors
Mondu specializes in Buy Now, Pay Later (BNPL) solutions for B2B transactions within the financial services sector. The company offers a suite of payment solutions that allow businesses to provide their customers with various deferred payment options, including flexible payment terms, installment plans, and digital trade accounts. Mondu primarily serves the ecommerce industry, B2B marketplaces, and multichannel sales sectors. It was founded in 2021 and is based in Berlin, Germany.
Hokodo is a digital trade credit platform that provides B2B payment solutions. The company offers payment terms, trade accounts, and payment plans for B2B transactions. Hokodo's services include credit protection, collections management, and integration options for both online and offline sales channels. It was founded in 2018 and is based in London, United Kingdom.
Defacto specializes in financing solutions within the financial technology sector. The company offers services such as invoice financing, inventory financing, and supplier payment solutions to meet the working capital needs of small and medium-sized businesses. Its platform is designed to integrate with existing systems, providing an embedded lending application programming interface for financial technology and marketplace partners. The company was founded in 2021 and is based in Paris, France.
PayPay is a fintech company that provides QR code-based payment solutions and digital wallet services. The company offers a platform for users to make payments at various retail locations, online, and for public utilities, as well as facilitating peer-to-peer money transfers. PayPay primarily serves the consumer goods retail, dining, and public utility payment sectors. It was founded in 2018 and is based in Tokyo, Japan.
Ratepay specializes in financial technology and provides white-label payment solutions for the e-commerce sector. Its offerings include buy now, pay later (BNPL) services, deferred payment options, installment plans, and direct debit processing. It was founded in 2009 and is based in Berlin, Germany.
Fluid offers B2B payment solutions within the financial technology sector. The company provides a Buy Now Pay Later service that allows B2B sellers to receive upfront payments while offering buyers flexible repayment options, including credit terms or installments. Fluid's platform integrates with ERP and accounting systems, allowing for credit assessments and managing accounts receivable to assist with cash flow for businesses. It was founded in 2023 and is based in Singapore.
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