EU Sovereignty Score
EU sovereignPaymentsHeadquarters: NO

Two (formerly Tillit): sovereignty score and 8 European alternatives

Tillit now operates as Two and provides pay-on-invoice for business purchases (B2B buy now, pay later). Sellers offer their business customers payment terms with a high credit limit, while Two manages the credit and fraud risk and simplifies checkout. The service is aimed at sectors such as building materials, wholesale, B2B marketplaces and software. Merchants use it in web shops (including guest checkout), in direct sales or in store, through an API, plug-ins for Shopify, WooCommerce and Magento, and a merchant portal. Buyers have a separate login.

The company was founded in Norway in 2020 and, according to CB Insights, is based in Oslo. Norway is part of the EEA but not of the EU. The sources describe Norwegian origins and venture investors, not a parent company outside Europe. They do not say where data is stored, so a European organisation should ask the provider. Two is a commercial service and is not open source.

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Sovereignty score
71 / 1000 = high exposure
100 = sovereign
  • Jurisdiction SOV-2100
    Headquartered in the EEA: the GDPR applies directly
  • Data residency SOV-3100
    EU-only hosting
  • Cryptographic key sovereignty SOV-360
    Key management with a European vendor
  • Freedom from lock-in SOV-640
    Closed source: switching requires data migration
  • Source & runtime sovereignty SOV-4 · SOV-655
    Closed source, runtime with the vendor

SOV codes: the matching objective in the European Commission's Cloud Sovereignty Framework. Official source

How the score is calculated

Facts and evidence

Last checked October 9, 2026
Headquarters
NO (EU)Verified by hand
Sovereignty model
Vendor-hosted (EU)Verified by hand
Data hosting
EUVerified by hand
Open-source
NoVerified by hand
GDPR-compliant
YesVendor-stated
Hosting signal
CLOUDFLARENET - Cloudflare, Inc., US (US)Technically measured
Category
Payments
Type
Product
Website
two.inc ↗

The hosting signal shows the network that serves the vendor's website, often a CDN, and not necessarily where the service or your data is hosted. How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to Two (formerly Tillit)

The European alternatives to Two (formerly Tillit) come from our knowledge base of over 6,800 vendors. We only list vendors headquartered in the EU or the EEA; fully European-owned vendors rank before vendors with a foreign owner. For each alternative you see the country, the open-source status and a short description.

Score per alternative: 0 = high exposure, 100 = sovereign

99 European Payments vendors are in the catalogue. View the whole category · Submit an alternative · View category on the map

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Why digital sovereignty matters with Two (formerly Tillit)

Two (formerly Tillit) is headquartered in NO, which falls under the GDPR through the European Economic Area. No foreign legislation can compel access to your data.

Data is hosted exclusively in the EU, so Two (formerly Tillit) scores best on data residency.

Two (formerly Tillit) is closed source and hosted by the vendor. The encryption keys and the runtime sit with the vendor and switching requires data migration. Ask about bring-your-own-key, export options and open standards.

What this means for your organisation depends on your whole stack and context. The free assessment weighs Two (formerly Tillit) together with your other vendors and gives a total score, a heatmap and the main risk drivers.

Frequently asked questions

What is the best European alternative to Two (formerly Tillit)?

It depends on your use case. Strong EU alternatives to Two (formerly Tillit) include Adyen, Alma and Autopay. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to Two (formerly Tillit)?

Our list of EU alternatives to Two (formerly Tillit) is mostly commercial options. Browse the category on the map for open-source choices.

Is Two (formerly Tillit) GDPR-compliant and where is the data hosted?

Two (formerly Tillit) is headquartered in NO (EFTA) and hosts data in EU. That makes Two (formerly Tillit) an EU-sovereign choice in its own right; the EU alternatives on this page are comparable European tools.

Details and sources

Verified by handHeadquarters, owner, hosting locations and licence have been checked by us against public sources. Free of charge and for every vendor, not a paid label. Nothing in this knowledge base is taken over automatically. Last checked on October 9, 2026.

Sources

Public sources used in the latest check of this record.

Compliance evidence

The links below point to the vendor's own public documents. We only record what we found: a missing link means "not found publicly", not "not compliant".

No public compliance evidence has been recorded for this vendor yet. Do you know its DPA or subprocessor list? Something wrong? Suggest a correction

Digital sovereignty in Payments

Payments: Payment services, payment gateways, online payments and financial transactions. In this category the choice of vendor determines who has legal access to your data, where that data lives and how easily you can switch later.

Also in this category

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8 European alternatives to Two (formerly Tillit) — GDPR-compliant & EU-hosted · EU Sovereignty Score