Two, a European leader in B2B payments technology, has announced a strategic partnership with Qliro, a leading Nordic payments provider, to introduce its B2B Buy Now, Pay Later (BNPL) solutions to hundreds of SMEs across the Nordics.

Through this collaboration, Two’s advanced B2B BNPL capabilities will be directly integrated into Qliro’s existing checkout. This enables Qliro’s merchants to offer flexible payment terms to business customers - such as 30, 60, or 90 days - without any added complexity or risk. The solution is designed to boost B2B checkout conversions, increase basket sizes, and support recurring purchases, directly enhancing merchant growth and Qliro’s strategic objectives.

“Qliro’s leadership in B2C payments combined with Two’s cutting-edge B2B technology brings the best of both worlds into one unified checkout,” said Andreas Mjelde, CEO and Co-Founder at Two. “By embedding our solution directly into Qliro Checkout 0.0, we’re giving Nordic merchants a powerful tool to serve both consumers and businesses - seamlessly - while offering instant credit decisions and real-time risk management, boosting conversion and efficiency. We're proud to support Qliro in setting a new standard for digital payments in the Nordics, helping businesses unlock growth and shaping the future of commerce across the region.”

The Nordic B2B e-commerce market is expanding rapidly, with growing demand for the same ease and flexibility that consumers enjoy. As the B2B BNPL sector matures - projected to reach a gross merchandise value of $669.5 billion by 2029, growing at 27.4% annually - merchants are increasingly turning to smarter, more adaptive payment solutions to capture this momentum.

Key benefits of the Two-Qliro integration include:

• Seamless unified checkout for both B2C and B2B transactions

• Instant business verification and credit approvals powered by advanced analytics

• Flexible payment terms tailored to business needs

• Comprehensive risk management, with Two assuming credit and fraud risk

• Effortless onboarding for merchants, requiring no complex setup

“This is a major step forward for our merchants,” says Christoffer Rutgersson, CEO, Qliro. “We’re enabling frictionless access to enterprise-grade B2B payments with no extra integration required. With its deep expertise in B2B payments, Two is an ideal partner. This partnership marks a meaningful step toward our mission of delivering a world-class experience for merchants and their customer journey. ”

The partnership strengthens Qliro’s position as a leading payments partner in the Nordics and expands its footprint in the fast-growing B2B e-commerce market. By embedding Two’s solution, Qliro significantly strengthens its offering, now providing a market-leading experience for both B2C and B2B transactions. More than 100 new merchants joined Qliro in 2024, underlining the company’s ongoing focus on SME growth and investment in digital commerce innovation.

For Two, the collaboration aligns with its broader expansion strategy - extending its reach to merchants seeking streamlined, all-in-one checkout experiences without compromising on the sophistication of specialised B2B payment capabilities. Ultimately, it not only supports Two’s current growth trajectory but also reinforces its mission to become the most trusted payment enabler for SMEs across Europe.