Rvvup: 10 Key Things You Must Know

Overview

Rvvup is an innovative payments platform that has rapidly emerged as a transformative force in the fintech landscape, especially within B2B and e-commerce sectors. Founded in 2021, Rvvup seamlessly integrates multiple payment methods—including debit and credit cards, digital wallets, open banking, and buy-now-pay-later options—into a single, easy-to-use solution. Known for its AI-powered payment automation, the platform simplifies complex payment workflows, dramatically improving cost efficiency, conversion rates, and operational scalability. As businesses increasingly seek streamlined and flexible payment solutions, Rvvup stands out by turning payments from a mere cost center into a powerful growth driver. The platform’s recent acquisition by leading UK digital bank Zopa highlights its rising influence and future potential.

1. Origins and Founding Vision

Rvvup was founded in 2021 by David Nunn, a former executive at PayPal-owned Braintree, alongside a team of industry veterans from Ripple, Square, and Airbnb. The company was established with a clear mission: to unify the fragmented payments landscape by integrating every available payment method and channel into a single, composable platform. Rvvup’s vision revolved around leveraging artificial intelligence to automate manual payment processes, optimize costs, and reduce friction at checkout, making it easier for online and B2B merchants to scale efficiently.

2. AI Payments Agent: Revolutionizing Payment Automation

At the heart of Rvvup’s technology is its AI Payments Agent, which automates the entire payment lifecycle. This intelligent system dynamically reorders payment methods based on factors such as cost, conversion probability, and basket value, ensuring businesses always benefit from the most optimized transaction paths. It also automates reconciliation with accounting tools like Xero and QuickBooks, streamlines payment allocation, and integrates with ERP systems, drastically reducing manual intervention for finance teams.

3. Comprehensive Payment Channel Integration

Rvvup consolidates payment acceptance across all major channels—online e-commerce checkouts, payment links, in-person transactions, and phone payments. This omnichannel approach provides businesses with exceptional flexibility and enables them to offer customers their preferred payment methods, ranging from traditional cards and bank payments to digital wallets like Apple Pay and PayPal alongside buy-now-pay-later services. The unified management of these diverse channels simplifies merchant operations.

4. Simplified Integration and User Experience

One of Rvvup’s standout features is the ease of integration. Without requiring extensive developer resources, merchants can use no-code plugins to embed Rvvup’s payment system into popular e-commerce platforms within minutes. Its intuitive checkout builder and drag-and-drop payment method arrangement empower businesses to customize their customer payment experiences, boosting conversion rates by matching payment options to customer preferences and order characteristics.

5. Efficiency and Cost Savings for Businesses

By optimizing payment routing, especially through open banking, Rvvup enables businesses to reduce transaction fees by as much as 80-90% on some payment types compared to traditional card networks. This significant cost saving is particularly impactful for high-volume B2B transactions, where card fees and process-heavy bank transfers often erode margins. Moreover, its automated reconciliation features save valuable staff time that would otherwise be spent managing fragmented payment methods.

6. Impact on B2B Payments

Rvvup is addressing a critical pain point in the B2B sector, where payment processes tend to be slow, expensive, and manual. With 90% of younger B2B buyers switching vendors due to poor payment experiences, Rvvup’s platform offers a modern alternative by enabling instant settlement, multiple payment choices, and automated workflows. This innovation is streamlining B2B purchase journeys and empowering businesses to compete more effectively in digital marketplaces.

7. Partnerships and Client Base

Rvvup serves a broad range of clients, from retail and wholesale businesses to home and garden merchants. Its partnerships include integration with Modulr’s payment infrastructure, enhancing visibility and operational efficiency for merchants managing multi-channel payments. Notable clients include Tile Giant, MP Moran, French Bedroom, Mole Valley Farmers, and Fireaway Pizza. These endorsements underscore Rvvup’s growing footprint across diverse industries.

8. Acquisition by Zopa and Strategic Growth

In September 2025, UK digital bank Zopa acquired Rvvup, marking a strategic move to expand Zopa’s embedded finance and retail lending capabilities. The acquisition allows Zopa to extend its point-of-sale lending into a unified payment ecosystem powered by AI, enhancing merchant checkout experiences and offering a wider range of modern payment options. This deal is expected to triple the size of Zopa’s embedded finance business within two years and solidify its position as a leading retail finance provider.

9. Security, Compliance, and Enterprise-Grade Infrastructure

Rvvup is built on enterprise-grade infrastructure with a strong emphasis on security and compliance. Operating as a distributor of Modulr FS Limited—an FCA-authorized electronic money institution—Rvvup ensures secure handling of electronic payments. Its robust platform is designed to scale securely, providing businesses confidence in data protection while managing high transaction volumes.

10. Future Prospects and Innovation Pipeline

With AI embedded deeply within its platform, Rvvup continues to innovate in automating and optimizing payment workflows. Post-acquisition, it is poised to accelerate its technology development under Zopa’s umbrella, integrating lending, banking, and payments into a consolidated experience. Looking forward, Rvvup is expected to lead advancements in payment interoperability, instant settlement, and seamless embedded finance solutions, helping merchants drive growth and improve customer satisfaction in an increasingly digital economy.

Conclusion

Rvvup has distinguished itself as a pioneering fintech platform that redefines how businesses accept, collect, and manage payments. By unifying diverse payment methods and channels into a single, AI-powered system, it simplifies complexity, cuts costs, and improves conversion rates. Its swift rise since 2021 culminated in a major acquisition by Zopa, signaling confidence in its potential to shape the future of retail finance and embedded payments. As commerce continues to shift towards digital and seamless experiences, Rvvup’s innovative approach invites us to rethink how payments can be a powerful driver of business growth rather than just an operational necessity.