SumUp Partners with Upvest to Launch In-app Investing, Enabling Merchants to Grow Their Cash with Money Market Funds

WHY THIS MATTERS

SumUp’s move into in-app investing reflects a broader convergence between payments, banking and wealth management—particularly for SMEs. Small businesses often hold idle cash for liquidity, but traditional banking rarely offers meaningful returns without added complexity. By embedding access to money market funds directly into its app, SumUp is turning business accounts into yield-generating tools without requiring merchants to leave the platform.

Global fintech SumUp today announces the launch of a new in-app investing feature, giving merchants a simple and accessible way to grow their business funds directly within the SumUp app. By partnering with Europe’s leading investment infrastructure provider Upvest, SumUp can now offer merchants a simple and accessible way to build wealth on the SumUp platform. ‍

Starting in Germany in March, with a wider European and UK rollout to follow, merchants can now allocate their balance into highly competitive, euro-denominated money market funds. With fractional investing, merchants can earn interest and make more of their money.‍

Money market funds invest in short-term, high-quality debt instruments and are designed to preserve capital and provide liquidity. By integrating this investment option into its business banking offering, SumUp gives merchants a straightforward way to potentially earn returns on surplus cash, without complex processes or additional providers.

The new investing feature is seamlessly embedded into the SumUp ecosystem, allowing merchants to manage payments, banking and investments all in one place. Behind the scenes, Upvest’s investment infrastructure handles order execution and settlement, custody, regulatory reporting and tax processing, thus reducing operational complexity and enabling SumUp to focus on delivering a digital-first and cost-efficient experience.‍

With this launch, SumUp continues to expand its financial services ecosystem, helping merchants not only run their businesses, but grow them.

Felix Lamouroux, SVP Global Banking at SumUp said: Small businesses are under constant pressure to set money aside for a rainy day. Yet too often this money sits idle in deposits, when it could be earning interest through investments. That’s why we’re thrilled to be partnering with Upvest to help build investing into the everyday banking experience for small business owners. By bringing simple, low-risk investment options onto the SumUp platform, merchants can build wealth on their existing deposits all within a trusted, familiar environment.

Martin Kassing, CEO and co-founder of Upvest said: We are proud to be working with SumUp to seamlessly integrate investing capabilities into everyday business banking. Powered by Upvest’s Investment API, SumUp can now offer a best-in-class investment proposition for merchants to grow their wealth. This partnership shows how modern investment infrastructure can make capital markets investing accessible and operationally simple at scale.

FF NEWS TAKE
Fintech is no longer just about moving money—it’s about making money work harder.

SumUp’s latest launch shows how platforms are evolving into full financial ecosystems for SMEs. By embedding investing into everyday business banking, fintechs are blurring the line between cash management and wealth creation. Expect more players to follow, as the race shifts from offering services to owning the entire financial lifecycle of small businesses.