Two

Two is the global B2B payments leader for SMBs and enterprises, offering instant net‑terms to improve cash flow, average order value, and conversions. The platform provides a suite of APIs for checkout, trade accounts, billing, marketplace, and more, enabling businesses to embed financing directly into their payment flows. Backed by Sequoia Capital, Two serves thousands of merchants worldwide with a focus on seamless integration and robust security.

Two publishes 5 API contracts indexed on the APIs.io network, including API Key API, Invoice API, Order API, and 2 more. Tagged areas include Company, B2B Payments, FinTech, API Platform, and Checkout.

The Two catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 1 Spectral governance ruleset.

Two’s developer surface includes authentication, getting-started guide, documentation, API reference, support, and 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

42.6/100 developing Agent 38/100 agent ready Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 published contract 8 Agent Skills

Company B2B PaymentsFinTechAPI Platform CheckoutTrade Accounts

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 42.6/100 · developing

Contract Quality 14.9 / 21

Developer Ergonomics 9.6 / 17

Access Clarity 1.8 / 17

Operational Transparency 2.0 / 11

Contract Governance 2.2 / 10

Discoverability 5.8 / 9

Regulatory Posture 2.8 / 15

Agent readiness — 38/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 10.5 — up to +17.9 composite points
Operational Transparency scores 18.4 — up to +10.6 composite points
Contract Governance scores 22.0 — up to +9.4 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/two/apis.yml: open an issue on github.com/api-evangelist/two to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 5

Individual APIs this provider publishes, each with its own machine-readable definition.

Two API Key API

The API Key API from Two — 2 operation(s) for api key.

Two Invoice API

The Invoice API from Two — 8 operation(s) for invoice.

Two Order API

The Order API from Two — 15 operation(s) for order.

Two Order intent API

The Order intent API from Two — 2 operation(s) for order intent.

Two Settlement report API

The Settlement report API from Two — 3 operation(s) for settlement report.

Agent Skills 8

Packaged agent skills for driving this provider's APIs from an AI assistant.

two-create-and-confirm-order

AGENT SKILL

two-create-and-get-order-intent

AGENT SKILL

two-create-and-retrieve-invoice

AGENT SKILL

two-create-order-intent

AGENT SKILL

two-create-order

AGENT SKILL

two-download-invoice-pdf

AGENT SKILL

two-manage-api-keys

AGENT SKILL

two-revoke-merchant-api-key

AGENT SKILL

Scroll for all 8

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Two Webhooks

ASYNCAPI

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Two Context

112 classes · 288 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Two API Rules

13 rules · 10 errors 1 warnings 2 info

SPECTRAL

JSON Schema 6

Standalone JSON Schema definitions for this provider's data models.

CreateOrderIntentRequestSchema

13 properties

JSON SCHEMA

CreateOrderRequestSchema

46 properties

JSON SCHEMA

EditOrderRequestSchema

24 properties

JSON SCHEMA

InvoiceDetailsWithStatusSchema

28 properties

JSON SCHEMA

OrderIntentResponseSchema

19 properties

JSON SCHEMA

OrderResponseSchema

77 properties

JSON SCHEMA

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Two Authentication

1 scheme

SECURITY

Two Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Two Agentic Access

34 operations · 17 acting · 1 human-in-the-loop

34 operations · 17 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

DeveloperPortal

DeveloperPortal

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgentSkill

LLMsTxt

WellKnown

Design & Contract 9

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

Webhooks

DataModel

Idempotency

Conventions

ErrorCatalog

Conformance

Scroll for all 9

Build 1

SDKs, sample code, and the tooling you integrate with

DeclineCodes

DeclineCodes

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

SecurityTxt

SecurityTxt

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Press

Press

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: two
name: Two
image: https://cdn.prod.website-files.com/67125812d0e0a2a3306a1206/68fb8312b3371671274c9163_Two%20Logo%20-%20navy_yellow%20(1).png
description: Two is the global B2B payments leader for SMBs and enterprises, offering instant net‑terms to improve cash flow,
  average order value, and conversions. The platform provides a suite of APIs for checkout, trade accounts, billing, marketplace,
  and more, enabling businesses to embed financing directly into their payment flows. Backed by Sequoia Capital, Two serves
  thousands of merchants worldwide with a focus on seamless integration and robust security.
url: https://artifacts.apis.io/two/apis.yml
x-type: company
x-source: harvest:vc-portfolio
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-29 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-29'
modified: '2026-10-29'
tags:
- Company
- B2B Payments
- FinTech
- API Platform
- Checkout
- Trade Accounts
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/two-agentic-access.yml
- type: Spectral
  url: rules/two-rules.yml
- type: JSONLD
  url: json-ld/two-context.jsonld
- type: Vocabulary
  url: vocabulary/two-vocabulary.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Webhooks
  url: asyncapi/two-webhooks.yml
- type: DataModel
  url: data-model/two-data-model.yml
- type: Idempotency
  url: conventions/two-conventions.yml
- type: Conventions
  url: conventions/two-conventions.yml
- type: Authentication
  url: authentication/two-authentication.yml
- type: DeclineCodes
  url: errors/two-decline-codes.yml
- type: ErrorCatalog
  url: errors/two-problem-types.yml
- type: Conformance
  url: conformance/two-conformance.yml
- type: LLMsTxt
  url: llms/two-llms.txt
- type: SecurityTxt
  url: well-known/two-www-security.txt
- type: WellKnown
  url: well-known/two-well-known.yml
- type: Hosts
  url: hosts/two-hosts.yml
- type: Vendors
  url: vendors/two-vendors.yml
- type: GettingStarted
  url: https://docs.two.inc/llms/guides/path-to-trade-account-onboarding.txt
- type: DomainSecurity
  url: security/two-domain-security.yml
- type: Website
  url: https://www.two.inc
- type: DeveloperPortal
  url: https://portal.two.inc
- type: Documentation
  url: https://docs.two.inc
- type: APIReference
  url: https://docs.two.inc
- type: Support
  url: https://support.two.inc
- type: PrivacyPolicy
  url: https://www.two.inc/company/legal/privacy-policy
- type: Press
  url: https://www.two.inc/company/two-in-the-press
apis:
- aid: two:two-api-key-api
  name: Two API Key API
  description: The API Key API from Two — 2 operation(s) for api key.
  humanURL: https://docs.two.inc/docs/api/checkout/
  baseURL: https://api.two.inc
  tags:
  - API Key
  properties:
  - type: OpenAPI
    url: openapi/two-api-key-api-openapi.yml
  - type: JSONSchema
    url: json-schema/two-order-response-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-create-order-request-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-order-intent-response-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-edit-order-request-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-invoice-details-with-status-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-create-order-intent-request-schema-schema.json
- aid: two:two-invoice-api
  name: Two Invoice API
  description: The Invoice API from Two — 8 operation(s) for invoice.
  humanURL: https://docs.two.inc/docs/api/checkout/
  baseURL: https://api.two.inc
  tags:
  - Invoice
  properties:
  - type: OpenAPI
    url: openapi/two-invoice-api-openapi.yml
  - type: JSONSchema
    url: json-schema/two-order-response-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-create-order-request-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-order-intent-response-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-edit-order-request-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-invoice-details-with-status-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-create-order-intent-request-schema-schema.json
- aid: two:two-order-api
  name: Two Order API
  description: The Order API from Two — 15 operation(s) for order.
  humanURL: https://docs.two.inc/docs/api/checkout/
  baseURL: https://api.two.inc
  tags:
  - Order
  properties:
  - type: OpenAPI
    url: openapi/two-order-api-openapi.yml
  - type: JSONSchema
    url: json-schema/two-order-response-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-create-order-request-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-order-intent-response-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-edit-order-request-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-invoice-details-with-status-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-create-order-intent-request-schema-schema.json
- aid: two:two-order-intent-api
  name: Two Order intent API
  description: The Order intent API from Two — 2 operation(s) for order intent.
  humanURL: https://docs.two.inc/docs/api/checkout/
  baseURL: https://api.two.inc
  tags:
  - Order intent
  properties:
  - type: OpenAPI
    url: openapi/two-order-intent-api-openapi.yml
  - type: JSONSchema
    url: json-schema/two-order-response-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-create-order-request-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-order-intent-response-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-edit-order-request-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-invoice-details-with-status-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-create-order-intent-request-schema-schema.json
- aid: two:two-settlement-report-api
  name: Two Settlement report API
  description: The Settlement report API from Two — 3 operation(s) for settlement report.
  humanURL: https://docs.two.inc/docs/api/checkout/
  baseURL: https://api.two.inc
  tags:
  - Settlement report
  properties:
  - type: OpenAPI
    url: openapi/two-settlement-report-api-openapi.yml
  - type: JSONSchema
    url: json-schema/two-order-response-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-create-order-request-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-order-intent-response-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-edit-order-request-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-invoice-details-with-status-schema-schema.json
  - type: JSONSchema
    url: json-schema/two-create-order-intent-request-schema-schema.json
x-backed-by:
- sequoia-capital
x-enrichment:
  date: '2026-10-29'
  status: enriched
  artifacts_added: 30
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Two API — frequently asked questions

Does Two have an API?

Yes. APIs.io lists 5 APIs from Two, including Two API Key API, Two Invoice API and Two Order API, and 2 more.

Is there an OpenAPI specification for the Two API?

Yes. APIs.io indexes 5 OpenAPI specifications for Two, each linked for download from this page.

How do I authenticate with the Two API?

Two uses bearer-token authentication (1 scheme). The details are profiled on APIs.io as Two Authentication.

Is the Two API ready for AI agents?

Two has a Kin Score of 42.6 out of 100 (developing) and an Agent Readiness score of 37.6 (agent-ready), scored by API Evangelist on 2026-10-31.

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