When you place an order and choose to pay with Two, you’re required to verify your identity. This is to protect you, the merchant, and Two against fraud.

The verification method is based on which country you are based. If you're not ordering in the UK, please check out our pages for verification in Norway & Sweden.

United Kingdom 🇬🇧

ID verification isn’t easy, but we want to make this as simple as possible and are constantly looking for ways to make it faster and easier. To verify orders placed in the UK, we use Bank account verification where we check the name of your account. The service we use for this is called Yapily.

Because banks perform detailed checks before opening accounts, and the name associated with a bank account is always either your own (if it is a personal account) or your businesses (if it is a corporate account), we can use this to verify your ID and right to purchase.

How it works

Step 1: To get started, click Place Order.

Step 2: You’ll then be taken to the first page of our Bank account verification process. From here, select your bank. You can use either your company’s bank account or your personal one.

Step 3: Once you select your bank, you have two options on how to proceed. You can either scan the QR code using your phone camera, which will open the Banking app in your phone and ask you to log into it to continue verification. Or you can continue on your browser and verify through your online banking. We recommend using the Banking app on your phone as it is usually a faster process.

Step 4: Log into your mobile banking app using your regular verification method. This can be your username and password, face ID, or fingerprint.

Step 5: Once you have logged in, selected the account you’d like to use for verification, and completed the consent, you’ll see a confirmation message.

Step 6: At this point, your web browser will also update (this may take up to 5 seconds). You will see an order confirmation page, informing you that you have successfully placed the order.

Check out the video below for more info!

FAQ

• Will you take payment from my account?

  • No we will not. The authentication that we request is only to access your account information. It gives us no ability to take payment from your bank account, now or in the future.

• How long will the verification process take?

  • Over 50% of customers complete verification in less than 60 seconds

• I don’t have access to my company bank account, what can I do?

  • You can use your personal bank account to complete verification. As a reminder, we cannot take payment from your bank account through this OpenBanking flow, it is only for establishing Identity verification.

• Why do you use OpenBanking at all, can I use something else?

  • Because it allows us to quickly verify your identity with a Third Party (your bank) who has already verified your identity also. This is much faster and smoother than asking you to submit documents or scan your ID. Right now we do not support an alternative verification method - if you can’t use OpenBanking please contact us on support@two.inc.

• What if I can’t find my bank account on your checkout page?

  • If you can’t find your login for a certain bank, if possible choose another. If you can’t find your login for any bank then please contact our support team on support@two.inc.