Two is a fintech startup that is building something akin to buy now, pay later for B2B purchases.
This company offers a hybrid work model combining remote and office work.
Two is revolutionizing B2B commerce by bringing the speed and simplicity of consumer-grade payments to businesses. They solve the persistent problem of friction in B2B transactions, enabling merchants to offer instant invoicing and credit terms, while providing buyers with flexible repayment plans and smart expense management. Founded in 2020, Two makes it easy and safe for businesses to buy and sell on equal terms, regardless of size. Their platform empowers merchants to grow confidently and gives buyers the freedom to focus on their core business, not cash flow struggles. With an impressive 30% month-on-month growth, Two is rapidly scaling across Europe and the United States, aiming to be the leading global B2B payment solution by 2027.
At Two, you will find a remote-friendly company that embraces a hybrid work model. This allows employees the flexibility to work both onsite in offices located in Oslo, Stockholm, London, and Glasgow, and from home. The company fosters a culture of collaboration, where ideas are encouraged from everyone, and respectful listening is key. They value problem-solvers and empower team members to own their work, celebrating both wins and learning opportunities.
Two is building a robust B2B payments infrastructure that offers instant upfront payments to sellers and flexible net terms for buyers. This involves developing and deploying AI-powered credit and fraud engines, automated order-to-cash workflows, and omnichannel net terms. Their platform includes proprietary risk engines, Frida and Delphi, alongside an end-to-end onboarding solution. Engineers at Two tackle the complexities of B2B fraud, which has evolved into a systematic and sophisticated challenge. They utilize AI-powered, real-time decision-making to strike a balance between control and conversion, without adding friction to the payment process. The focus is on unifying fraud detection, credit scoring, identity verification, and merchant-specific rules into a single, API-first platform.