Rvvup
- Company typePrivate
- Founded2020
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
Rvvup firmographics
Firmographics- Name
- Rvvup
- Legal name
- Rvvup Ltd
- Website
- https://rvvup.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Rvvup industry classification
Industry- Product category
- Payment Orchestration Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223)
- SIC
- Miscellaneous Business Credit Institution (6159), Finance Services (6199)
- akta.pro primary industry
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
- akta.pro secondary industries
- Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC), Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)
Keywords
Where Rvvup is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Rvvup business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Transaction Fees: Per-transaction fees charged on payment volume processed through the platform. Standard rate of 0.40% + 20p per transaction with custom pricing available for high-volume merchants.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard transaction pricing for all merchants |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels8 records
Rvvup product offering
Product offeringCore offering
Rvvup operates an AI-powered multi-rail B2B payments platform that unifies Pay by Bank (Open Banking), card payments, digital wallets, and BNPL into a single composable integration. Merchants use it to accept payments across ecommerce, in-person, phone, and invoice channels, then automate reconciliation into accounting platforms such as Xero, Sage, and QuickBooks. An AI Copilot and AI Payments Agent orchestrate payment workflows, optimize for cost or conversion, and eliminate manual reconciliation tasks.
Product overview
Rvvup is a B2B payments platform acquired by Zopa Group that provides a unified, composable platform combining multiple payment channels (ecommerce, in-person, phone/mail orders) and payment methods (cards, Pay by Bank, digital wallets, BNPL) into a single integration. The platform's core components include the main payments platform, AI Copilot (an AI-powered assistant for automation), Payment Links, Virtual Terminal, Checkout Builder, Reconciliation, and Account Statements. The architecture follows a modular approach where AI Copilot sits on top of the core platform to automate manual processes including reconciliation, order matching, and customer management.
Differentiator
Problem solved
Functional benefit
Products and services
- Rvvup Payments Platform Core AI-powered B2B payments platform that unifies payment rails (Pay by Bank, cards, digital wallets, BNPL) into a single composable platform, enabling merchants to accept, collect, and manage all payments across ecommerce, in-person, phone, and invoice channels.
- AI Copilot
Quantifiable outcome
- Up to 80% fee reduction with Pay by Bank vs cards
- +3 more outcomes
Companies that use Rvvup
Customer profileNamed customers8 records
Segments5 records
Ideal customer profiles4 records
Rvvup technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability6 records
Feature6 records
Rvvup partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- XerocoreRvvup is listed in the Xero App Store, enabling businesses to accept and reconcile payments directly within Xero. The integration syncs all payments into Xero for real-time reconciliation and automated bookkeeping.
- WooCommercecoreNo-code WooCommerce plugin enabling fast, secure payments with card, Pay by Bank, and Apple Pay. Simple install process without developer involvement.
- Adobe Magento / HyväcoreNo-code integration for Adobe Magento 2 and Hyvä (modern Magento frontend) enabling merchants to add multiple payment methods in one plugin.
- PayPalcoreIntegrated PayPal payment experience within Rvvup's unified platform. Merchants report significant PayPal revenue increases after switching to Rvvup's integrated approach.
- Modulr FS LimitedcoreRvvup Ltd is a distributor of Modulr FS Limited, which is authorised and regulated by the FCA as an Electronic Money Institution (FRN: 900573). Modulr provides the underlying account and payment services infrastructure.
- Zopa Group PlccoreZopa Group acquired Rvvup in September 2025 to enhance its retail finance offerings and expand payment capabilities. Rvvup is now a wholly owned subsidiary of Zopa Group Plc, strengthening Zopa's embedded finance business.
Scale indicators5 records
Recent moves7 records
Expansion highlights5 records
Rvvup competitors and assessment
Company assessmentDirect peers
- Stripe: Global payments platform offering card acceptance, payment links, invoicing, reconciliation and embedded finance APIs. Direct competitor to Rvvup's multi-rail B2B payments stack for both SMB and enterprise merchants.
- Square (Block): Integrated payments and software platform targeting SMBs with in-person, online, invoicing and BNPL offerings. Closely comparable GTM motion and feature set to Rvvup's SMB-focused multi-rail platform.
- Checkout.com: Global payment service provider offering unified card and alternative-payment acceptance with orchestration and reconciliation tooling. Direct competitor in multi-rail payment processing.
- Mollie: European SMB-focused PSP offering multi-method checkout, payment links and integrations with ecommerce and accounting platforms. Highly comparable in target customer and product scope to Rvvup.
- SumUp: European SMB payments provider combining in-person card acceptance, online checkout and invoicing. Comparable in SMB focus and multi-channel payment offering to Rvvup.
Broad incumbents
- Adyen: Global enterprise-grade payment platform offering unified online, in-person and platform payments with extensive method coverage. Competes with Rvvup on multi-rail orchestration but skews larger-ticket.
- Worldpay: Large incumbent acquirer and payment processor with broad UK SMB and enterprise coverage. Overlaps with Rvvup in card acceptance, payment links and B2B checkout.
Regional players
- Dojo: UK-focused SMB payments and POS provider offering card machines, online checkout and payment links. Direct regional competitor to Rvvup's UK SMB base.
- Takepayments: UK SMB-focused payment service provider offering card acceptance, online checkout and payment links to small businesses. Comparable target market and product breadth to Rvvup.
Emerging players
- GoCardless: UK-originated direct debit and open banking payment specialist focused on recurring and invoice-based B2B collections. Comparable in B2B invoice/cash-flow use cases and Open Banking rails used by Rvvup.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Rvvup social profiles
Digital presenceRvvup compliance and trust
Trust signalCompliance2 records
Rvvup financial estimates
Financial estimateRevenue estimate
Valuation estimate
Rvvup leadership team
Management profileNumber of profiles
Profiles4 records
Rvvup funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Rvvup M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Rvvup
What does Rvvup do?
Rvvup operates an AI-powered multi-rail B2B payments platform that unifies Pay by Bank (Open Banking), card payments, digital wallets, and BNPL into a single composable integration. Merchants use it to accept payments across ecommerce, in-person, phone, and invoice channels, then automate reconciliation into accounting platforms such as Xero, Sage, and QuickBooks. An AI Copilot and AI Payments Agent orchestrate payment workflows, optimize for cost or conversion, and eliminate manual reconciliation tasks.
Is Rvvup a public or private company?
Rvvup is a private company. It is classified as corporate owned and is currently operating.
When was Rvvup founded?
Rvvup was founded in 2020. It employs 11 to 50 people.
Where is Rvvup based?
Rvvup is headquartered in London, United Kingdom, in the Europe region.
How does Rvvup make money?
One revenue line is on record: transaction Fees.
Who are Rvvup's main competitors?
Direct peers on record are Stripe, Square (Block), Checkout.com, Mollie and SumUp. Broad incumbents are Adyen and Worldpay. Regional players are Dojo and Takepayments. GoCardless is listed as an emerging player.
Does Rvvup have an API?
Yes. Rvvup offers no-code plugins and integration for popular ecommerce platforms. The developer section provides documentation for integration. No specific API type (REST, GraphQL, etc.) or authentication details are explicitly stated in the source material. Developer documentation is at payments.zopa.com/developer.
What industry is Rvvup in?
Rvvup's product category is Payment Orchestration Software. Its primary akta.pro industry code is FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure, with a secondary code of FSAGAJAC, Invoicing, Billing & Accounts Receivable Automation. Its NAICS code is 522320 and its SIC code is 6159.