SumUp partners Upvest to launch in-app investments

By Vriti Gothi

SumUp has partnered with Upvest to introduce in-app investment capabilities for small businesses and merchants, marking a further step in the convergence of payments, banking, and wealth management within FinTech platforms.

The new feature enables merchants to invest surplus balances into fractional money market funds directly within the SumUp app, with entry points starting at €1. Initially launching in Germany, the offering is expected to expand across Europe and the UK, extending capital markets access to SMEs already using SumUp’s business banking services.

The move reflects a broader industry shift towards embedded finance models that integrate investment products into everyday financial workflows. By incorporating money market funds typically composed of short-term, high-quality debt instruments SumUp is positioning the feature as a low-risk, liquid option for businesses seeking returns on idle cash without moving funds خارج its core platform.

Upvest’s API-first investment infrastructure underpins the offering, handling trade execution, custody, settlement, and regulatory reporting. This allows SumUp to integrate investment functionality without building capital markets infrastructure in-house, reducing operational complexity while accelerating time to market.

Felix Lamouroux, SVP Global Banking at SumUp, said the initiative addresses a common challenge among small businesses managing liquidity. “Too often this money sits idle in deposits, when it could be earning interest through investments. By bringing simple, low-risk investment options onto the SumUp platform, merchants can build wealth on their existing deposits within a familiar environment,” he said.

Martin Kassing, CEO and co-founder of Upvest, added that the partnership demonstrates how investment infrastructure can be embedded at scale. “This partnership shows how modern investment infrastructure can make capital markets investing accessible and operationally simple,” he said.

Strategically, the launch underscores SumUp’s ambition to evolve from a payments provider into a broader financial services platform for SMEs. For the sector, it highlights increasing competition among FinTechs to capture a larger share of customer financial activity by embedding savings and investment tools alongside core payment and banking services.

As interest rates and cash management remain key concerns for small businesses, the integration of yield-generating products into operational accounts could reshape how SMEs manage working capital—blurring the lines between treasury management and everyday business banking.