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Documentation Index

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Two is a payment method tailored to handle businesses to business (B2B) payments. By adding Two into your Dintero checkout, you can offer customers a simple and high converting B2B payment method.

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Payment Types

Payment TypeDescriptionUse CaseEHF/ Electronic Invoice support
two.invoice_b2bBusiness-to-business invoicingOne-time invoices to companies.Norway, Sweden, Denmark and Finland.

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How It Works

  1. Customer selects “Two - Business Invoice” payment at checkout.
  2. Billing information is collected (name, address, email, phone, country, organization number).
  3. Order verification via company representatives (handled by Two)
  4. A transaction is created in Dintero’s system.
  5. When the merchant captures the transaction, Two distributes the invoice to the customer.
  6. Customer pays the invoice to Two via their bank.
  7. Dintero settles the funds when they are received from Two.

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Configuration

Enable the Two payment type in the session configuration when creating a checkout session. 
POST https://checkout.dintero.com/v1/sessions-profile
Authorization: Bearer <token>
Content-Type: application/json

{
  "url": {
    "return_url": "https://example.com/accept",
    "callback_url": "https://example.com/callback",
    "merchant_terms_url": "https://example.com/terms.html"
  },
  "order": {
    "amount": 50000,
    "currency": "NOK",
    "vat_amount": 10000,
    "items": [
      {
        "amount": 50000,
        "quantity": 1,
        "line_id": "1",
        "description": "Consulting services",
        "vat": 25,
        "id": "item-1"
      }
    ],
    "merchant_reference": "order-123"
  },
  "configuration": {
    "two": {
      "type": "payment_type",
      "invoice_b2b": {
        "type": "payment_product_type",
        "enabled": true,
        "days_until_due": 14
      }
  },
  "profile_id": "default"
}

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Configuration Options

OptionApplies ToTypeDescription
days_until_dueAll typesInteger (0-365)Number of days until the invoice is due. Default: 14 days.
See related documentation for more information about creating payment sessions:

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Verification

After the end user finishes the payment form in the Dintero checkout they are redirected to Two’s customer verification page. The specific method Two employs (e.g., OTP via SMS/email, or Open Banking check) is determined dynamically by Two’s risk assessment based on:
  • The representative’s details
  • The buyer’s company profile
  • The order amount
If the customer completing the payment is not the correct stakeholder/legal representative of the company:
  • The customer completing the payment needs to verify their identity
  • A legal representative of the company must also verify — Two’s hosted verification page will display a list of known legal representatives of the company. The customer can then contact one of those individuals and ask them to verify on their behalf. The legal rep receives a verification request (via SMS or email) and completes their own verification step.
  • The order is only approved by Two once both the customer and a legal representative have completed verification. The payment is not rejected outright — the buyer is given the opportunity to get a legal rep to co-verify.

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Transaction Lifecycle

Two transactions are automatically authorized upon successful verification.
StateDescription
AUTHORIZEDThis is the initial successful state.
CAPTUREDTwo will send an invoice to the customer’s company.
FAILEDPayment could not be created.
PARTIALLY_REFUNDEDA partial refund has been issued. The remaining amount is still valid.
REFUNDEDThe full transaction amount has been refunded.
VOIDEDThe transaction has been cancelled before it was captured.

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Refunds and Cancellations

  • To cancel an invoice, cancel (void) the transaction is in the AUTHORIZED state.
  • Partial refunds can be issued while the transaction is in the CAPTURED state.
  • For each refund on a transaction, a credit note is created and sent to the customer’s company.

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Invoice Dates

  • Invoice issue date: The date of the capture.
  • Invoice due date: Issue date + days_until_due from capture (default: 14 days).

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Billing Address Requirements

Two requires a billing address with all payment types.
FieldB2B
first_nameRequired
last_nameRequired
address_lineRequired
postal_codeRequired
countryRequired (ISO 3166 alpha-2)
phone_numberRequired
emailRequired
business_nameRequired
organization_numberRequired
For Norway, the organization number is 9 digits. For Sweden, it is either 10 or 12 digits.

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Liability

Unlike card-based payments, a CAPTURED status for Two does not mean the customer has paid — it means Two has sent the invoice to the customer’s company. The customer still needs to pay the invoice via their bank. Funds are not guaranteed to arrive in the merchant’s account until Two has collected payment and settled it to the merchant. If the customer does not pay, the merchant’s receipt of funds depends on Two’s collection process and the specific contract terms.
Last modified on May 7, 2026