Two

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.

Payment Types

Payment Type	Description	Use Case	EHF/ Electronic Invoice support
two.invoice_b2b	Business-to-business invoicing	One-time invoices to companies.	Norway, Sweden, Denmark and Finland.

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. Dintero settles the funds when they are received from Two.
7. Customer pays the invoice to Two via their bank.```

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"
}

Configuration Options

Option	Applies To	Type	Description
days_until_due	All types	Integer (0-365)	Number of days until the invoice is due. Default: 14 days.

info

See related documentation for more information about creating payment sessions:

• Create a session
• Checkout API reference

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.

Transaction Lifecycle

Two transactions are automatically authorized upon successful verification.

State	Description
AUTHORIZED	This is the initial successful state.
CAPTURED	Two will transfer money to the merchant Dintero account and send an invoice to the customer's company.
FAILED	Payment could not be created.
PARTIALLY_REFUNDED	A partial refund has been issued. The remaining amount is still valid.
REFUNDED	The full transaction amount has been refunded.
SETTLED	The captured amount has been settled into the merchants account.
VOIDED	The transaction has been cancelled before it was captured.

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.

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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.

Field	B2B
first_name	Required
last_name	Required
address_line	Required
postal_code	Required
country	Required (ISO 3166 alpha-2)
phone_number	Required
email	Required
business_name	Required
organization_number	Required

info

For Norway, the organization number is 9 digits. For Sweden, it is either 10 or 12 digits.