This company provides a B2B payments platform that offers net terms infrastructure to help businesses increase revenue and sales conversion. It utilizes AI-powered credit and fraud engines to facilitate instant credit decisions and secure transactions across online, direct, and in-store channels. The platform automates the order-to-cash lifecycle, managing invoicing, collections, and providing upfront payments to improve merchant cash flow.
Funding
$22.4M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
+19Founders
Product
Problem
Many B2B businesses face challenges in offering net terms to their customers due to the complexities and risks associated with credit checks, fraud prevention, and managing the order-to-cash lifecycle. Traditional payment solutions often fail to meet the specific needs of B2B transactions, leading to lost sales and increased administrative overhead.
Solution
Two provides a net terms infrastructure designed to streamline B2B transactions by offering instant credit decisions and automating the entire order-to-cash process. Using AI-driven credit and fraud engines, Two enables businesses to offer flexible payment options, increase average order values, and improve customer acceptance rates. The platform automates invoicing, reminders, and dunning, reducing manual work and the risk of human error. Two's API integrates with e-commerce platforms and enterprise systems, providing a seamless experience for both merchants and buyers.
Target Audience
Two's primary customers are B2B merchants across various industries looking to offer net terms to their buyers, increase sales, and automate their order-to-cash lifecycle.
Features
- AI-powered credit engine (Delphi) for real-time credit decisions and higher credit limits
- AI fraud engine (Frida) capable of processing 5,000+ transactions per second with a 97% fraud loss reduction
- Automated invoicing, payment reminders, and dunning processes
- Merchant portal for managing customer credit limits and analyzing key performance metrics
- Plugins for popular e-commerce platforms for quick integration
- API for integration with enterprise systems
- Upfront payments option for improved cash flow
- Role-based access control and audit logs for enterprise readiness