Two Documentation

The Two Order API (Version 1.0) is used to create and manage orders connected to online purchases. It serves as a central building block for other Two APIs, such as the Marketplace and Trade Account Onboarding APIs. Key capabilities include credit checks (order intents), order creation, fulfillment (sending invoices), editing, canceling, and refunding (sending credit notes).

Trade Account Onboarding is an advanced workflow for merchants with registered, repeat B2B customers. It allows merchants to establish a relationship with a business ('Trade Account'), link employees to that account, and pre-verify users to reduce friction during future checkouts. This is ideal for B2B portals offering credit limits, 'Pay on Account' features, or 1-click checkout experiences.

The Trade Account API V3 (version 3.0, currently in preview) allows businesses to onboard their B2B customers to their own product and the Two 'Buy Now Pay Later' product. Key capabilities include enabling 1-click checkout, approving additional users to place orders on behalf of business customers, and accessing enriched data and insights on business customers.

The Business Registration API (Version 1.0) is used to enroll businesses that do not appear in national registries, such as sole traders and government departments. This process is required to create trade accounts or orders for these entities. Currently, this service is limited to UK and US sole traders only.

A Billing Account defines grouped billing behavior for a merchant and buyer setup. Billing periods are time windows used to group invoiced orders, and Billing Statements are generated snapshots of these periods. Statements can be in various states: PREVIEW, FINALISED, or AMENDED. If multiple versions of a statement exist for one period, the API returns the latest version.

The Repay API is used to create and manage repayment accounts and repayment plans. A repayment account stores buyer billing details for invoicing and payment follow-ups. A repayment plan represents a receivable purchased from merchants, consisting of a collection of instalments paid by buyers over 3 to 36 months. Instalments from the same merchant for the same account are typically invoiced together on the 1st of each month. Merchants receive a net payout upon fulfilment of the repayment plan based on their negotiated payout cycle.

The Autofill API (Version 1.0) allows merchants to save and retrieve buyer details to support the autofilling of checkout fields. If a buyer provides opt-in consent, their details can be stored and retrieved by any Two-powered merchant. Without consent, the API can still be used to store details non-persistently for the duration of the buyer's current browser session to facilitate data transmission between Two-hosted and merchant-hosted pages in a single workflow.

The Two Repay API (v1.0.0) allows merchants to create and manage repayment accounts and repayment plans. A repayment account stores buyer billing details for invoicing, while a repayment plan represents a receivable purchased from a merchant to be paid back by buyers over 3 to 36 months. Instalments from the same merchant for the same account are typically invoiced together on the 1st of each month. Upon fulfilment of a repayment plan, the merchant receives a net payout minus agreed fees based on their negotiated payout cycle.

The Autofill API (v1.0) allows merchants to save and retrieve buyer details to support the autofilling of checkout fields. If a buyer provides opt-in consent, any merchant can store these details, and they can be retrieved by that merchant or any other Two-powered merchant. If consent is not provided, the API can still be used to store details non-persistently for the duration of the buyer's current browser session to facilitate data transmission between Two-hosted and merchant-hosted pages within a single workflow.

Two provides B2B payment infrastructure APIs designed to handle business-to-business transactions. The documentation includes guides for integration, available plugins for e-commerce platforms, and a full API reference for managing buyer details, invoice creation, and repayment accounts.

Two provides a suite of unified APIs designed for B2B payments, onboarding, and business automation. The platform enables developers to identify buyer companies with verified data, assess buyer credit via Order Intents, onboard trade account customers for faster checkout, and manage the end-to-end order creation and fulfillment process.