Two, a European leader in B2B payments technology, has announced a strategic partnership with Avarda, a white label payments specialist in northern Europe.
The collaboration introduces a fully integrated white label payment solution designed for both businesses and consumers in the Nordic e-commerce market, according to FF News.
The partnership leverages Two’s expertise in Buy Now, Pay Later (BNPL) for B2B transactions and Avarda’s established capabilities in B2C payments.
By combining these strengths, businesses across the Nordics can now offer both B2B and B2C payment options within a single, customisable and branded checkout experience.
This eliminates the need for multiple payment providers while boosting conversion rates, reducing transaction friction, and simplifying the payment process.
The Nordic e-commerce market is expanding rapidly, with revenues projected to reach $41.95bn in 2025, growing at an annual rate of 7.93% from 2025 to 2029.
However, while B2C payments have seen significant advancements, B2B transactions continue to rely on outdated legacy systems such as manual invoicing and billing processes.
This inefficiency has slowed the adoption of BNPL solutions in the B2B space, despite growing recognition of their benefits, including improved cash flow and enhanced customer satisfaction.
Two specialises in B2B payments, offering businesses flexible payment solutions such as BNPL, credit approvals, and fraud prevention tools. Its technology simplifies business transactions, enabling merchants to manage payments seamlessly.
Avarda, on the other hand, is a leading provider of white label payment solutions, primarily serving B2C merchants across northern Europe. The company’s platform allows retailers to offer branded payment experiences, helping them maintain customer relationships and optimise conversion rates.
The newly launched solution offers several key advantages, including a unified checkout experience under the merchant’s brand, instant credit decisions, high approval rates, advanced fraud prevention measures, and a frictionless payment process that enhances customer satisfaction.
Initially launching in Sweden, Norway, Denmark, and Finland, the solution aims to redefine payment experiences in one of the world’s most advanced e-commerce regions.
For Two, this partnership represents a major expansion into the Nordic market, leveraging Avarda’s extensive merchant network to drive adoption of its B2B BNPL solutions. Notably, this marks the first time Two’s B2B BNPL solution has been integrated into a white label B2C platform, demonstrating its adaptability within a broader payment ecosystem.
“The initial response from Avarda’s merchants has been overwhelmingly positive. We have seen growing interest from merchants seeking additional capabilities within B2B payments, and this partnership provides a sophisticated yet easy-to-implement solution that addresses their challenges directly,” Avarda chief commercial officer Wilhelm Hyltén-Cavallius said.
“At Two, we understand that merchants want a single, seamless checkout experience that supports both business and consumer transactions. Despite the Nordic region’s reputation for digital ingenuity, B2B payments have been in need of a serious innovation boost, often lagging behind their B2C counterparts in terms of the simplicity and seamlessness of transactions,” Two CEO & co-founder Andreas Mjelde said. “Many merchants have already maximised their B2C growth and are now looking to scale their B2B operations without the complexity of delayed business payments, convoluted net terms processes, and managing multiple payment providers. Our partnership with Avarda delivers exactly that – an all-in-one solution tailored to modern merchants’ needs.”
The partnership arrives at a crucial time, as the European BNPL industry anticipates significant growth in the B2B sector. The gross merchandise value of B2B BNPL is projected to reach $669.5bn by 2029, growing at an annual rate of 27.4%. The financial benefits – such as larger basket sizes and higher conversion rates – are increasingly difficult for businesses to overlook, positioning Two and Avarda at the forefront of this evolving market.
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