Two and Signicat have joined forces to address one of the most persistent barriers in B2B e-commerce: proving in real time that a buyer is authorised to commit their company to a purchase.
According to Finextra, the partnership targets a structural weakness in British and European B2B commerce.
While consumer digital identity verification is well established through national schemes such as BankID and MitID, and corporate credit checks are routine, linking a verified individual to confirmed purchasing authority within a business remains slow and manual. This disconnect often leads to transaction delays, increased fraud exposure and abandoned sales.
Two’s platform focuses on enabling B2B merchants to offer trade credit and flexible payment terms at checkout, underpinned by embedded risk assessment. By integrating directly into merchant workflows, the company aims to replicate the seamless experience of consumer e-commerce in a business-to-business context, where higher order values and complex approval chains have traditionally slowed transactions.
Signicat provides digital identity infrastructure across Europe, supporting a wide range of identity proofing and authentication methods. Its platform connects to national eID schemes as well as modern electronic identity document verification tools that use biometrics, while also enabling access to official company registries and compliance data sources.
Through the integration, Two’s B2B payment and risk platform connects with Signicat’s identity services to orchestrate a full suite of verification checks. The process combines personal identity proofing with real-time company registry lookups, allowing the system to confirm both the buyer’s identity and their legal authority to transact on behalf of their organisation in a single flow.
The timing is significant. Global B2B e-commerce sales are projected to reach $36trn by 2026, reflecting the continued migration from offline procurement to digital channels. However, fraud and compliance friction remain key constraints. According to Signicat’s 2025 research, 54% of European FinTechs reported rising fraud levels, much of which exploits the gap between personal and corporate identity verification.
For merchants, the collaboration is designed to enable the instant extension of payment terms to verified business buyers, without manual credit applications or prolonged document exchanges. For buyers, it promises a frictionless checkout experience aligned with consumer expectations, supported by the credit arrangements their companies require.
Two CEO and co-founder Andreas Mjelde said, “We call it the authority gap. A British distributor can instantly verify that a buyer is a real person named Maria García. They can check that García Industrial S.L. is a legitimate Spanish company. But can Maria commit García Industrial S.L. to net-60 terms on a five-figure order? Until now, answering that question meant days of back-and-forth with documents and phone calls. We’ve collapsed that to seconds.”
Signicat head of growth Sven Richard Samdal said, “The fraud isn’t sophisticated. Someone claims to represent a company, you can’t verify it quickly, so a commerce either rejects the sale or accepts the risk. We built an infrastructure that lets Two verify authority the same way Nordic banks verify identity at scale and meet its AMLR obligations while confidently expanding. This is the infrastructure that enables secure, cross-border commerce at scale.”
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