UK digital bank Zopa is doubling down on retail finance. The company announced today that it has acquired Rvvup, a payments platform that helps merchants unify checkout and streamline costs.
The deal, Zopa’s second acquisition following its 2023 purchase of DivideBuy, will expand its offering beyond point-of-sale lending to cover all modern payment methods through a single integration.
Zopa said the move is expected to triple the size of its embedded finance business within two years and position it among the UK’s top three retail finance providers within five.
For merchants, Rvvup promises simpler integration, richer data insights, higher conversion rates, and lower processing costs. Its AI-driven Payment Agent automates payment routing, reconciliation, and syncing with accounting tools. For consumers, the integration means more choice and faster, more seamless checkout experiences.
Zopa, on a growth streak
In H1 2025, the bank tripled profits to £20.7 million, fueled by £3.4 billion in lending and £5.4 billion in deposits. It also launched its flagship current account, Biscuit, in June, quickly amassing 100,000 customers after a beta rollout.
On the offices front, later this year, Zopa will move into new headquarters in Canary Wharf and expand its Manchester presence, where it plans to create up to 500 jobs.
