British neobank Zopa Group has acquired payments platform Rvvup, aiming to enhance its retail finance services.  

Financial terms of the deal remain undisclosed.  

The deal will enhance Zopa’s retail finance, integrating it into merchants’ checkout and expanding it into a unified platform for all “modern” payment methods. 

Merchants utilising Zopa’s expanded services can expect a unified integration process, improved data analytics, enhanced payment conversion rates, and reduced processing costs.  

These improvements are anticipated to be implemented within a six-month timeframe.  

Rvvup’s AI Payment Agent is designed to automate the payment process, selecting the most payment method to enhance sales while synchronising with accounting tools such as Xero for daily reconciliation tasks.  

This technology is currently employed by various businesses, including Tile Giant and Fireaway Pizza. 

The acquisition represents Zopa’s second major investment in the financial technology sector, following the purchase of DivideBuy in 2023. 

With the deal, Zopa aims to triple the size of its embedded finance operations in two years and become a leading retail finance provider within five years.  

Zopa has reported an increase in profitability, with a figure of £20.7m in the first half of 2025, a threefold increase from the previous year. This financial performance is underpinned by £3.4bn in gross lending and £5.4bn in retail deposits. 

Zopa introduced its Biscuit bank account in June 2025, which has since gained 100,000 customers.  

The company is also preparing to relocate to a new headquarters in Canary Wharf, expanding its office space, and has plans to create up to 500 jobs in Manchester as part of its expansion efforts.