# Two

**Canonical:** https://apis.io/providers/two/  
**Website:** https://www.two.inc  
**APIs profiled:** 1

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.

## Kin Score — 42.6 / 100 (developing)

Scored 2026-10-31 under rubric 0.25.0.

| Facet | Score |
|---|---|
| Discoverability | 67.9 |
| Contract Quality | 70.1 |
| Contract Governance | 22.0 |
| Operational Transparency | 18.4 |
| Developer Ergonomics | 56.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Payments**: 18.8 (matched via tags).

## Agent readiness — 37.6 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | verified |
| Error Semantics | verified |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | yes |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |
| Pagination Ratio | no |
| Operation Distinctiveness | distinct |

## APIs (5)

- **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.

## Agentic access (1)

- **Two Agentic Access** — 34 operations · 17 acting · 1 human-in-the-loop

## Security (2)

- **Two Authentication** — 1 scheme
- **Two Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, B2B Payments, FinTech, API Platform, Checkout, Trade Accounts

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/two/). Scores are computed from the provider's own public artifacts under a published rubric.