Zopa Acquires Rvvup to Transform Retail Finance Offering

Zopa, a London-based banking platform, has acquired Rvvup, a payments platform led by David Nunn, Sean Young, Graham O'Regan, and others. The acquisition positions Zopa at the center of the merchant checkout, expanding beyond point-of-sale lending to a unified platform supporting all modern payment methods.

The offering delivers value to both merchants and consumers, enabling a single integration, deeper insights, higher payment conversion, and lower processing costs within six months.

For UK consumers, Rvvup enables fast, seamless payments with flexibility and choice. Its AI Payment Agent optimises costs, boosts sales, syncs with tools like Xero, and automates reconciliation—turning payments into a growth driver. Already trusted by brands such as Tile Giant, Mole Valley Farmers, and Fireaway Pizza, the team brings deep payments expertise from leading global companies. As Zopa’s second acquisition after DivideBuy, the move is expected to triple its embedded finance business within two years and secure a top-three position in UK retail finance within five.

Zopa tripled profitability to £20.7m in H1 2025, driven by £3.4bn in lending and £5.4bn in deposits. Its new flagship account, Biscuit, launched in June and already counts 100,000 customers. With strong growth, Zopa will move into a landmark Canary Wharf HQ later this year, doubling its footprint, while expanding to Manchester with plans to create up to 500 jobs.