SumUp has joined forces with Upvest to introduce money market fund investing into its business banking platform for merchants.

This feature, which became available in Germany in March 2026, lets merchants invest in euro-denominated money market funds starting from as little as EUR 1, thanks to fractional investment options. Plans are underway to extend this service across Europe and the UK. The integration aims to enable merchants to handle payments, banking, and investments from one platform, eliminating the need for multiple providers.

Enhancing financial services for small businesses

Money market funds focus on short-term, high-quality debt instruments designed to protect capital while providing liquidity. By embedding this feature into its existing banking offerings, SumUp offers small businesses and merchants a way to utilize idle cash balances more effectively than keeping them in non-interest-bearing accounts.

Powered by Upvest’s API-first investment infrastructure, the integration streamlines order execution and settlement, custody, regulatory reporting, and tax processing. This setup enables SumUp to expand its product range without having to build complex capital markets infrastructure internally, thus simplifying operations while broadening the financial services it provides.

This launch marks a significant move within fintech platforms towards offering a wider array of embedded financial products beyond basic payment and banking functionalities. It addresses the gap for small and medium-sized businesses that traditionally require more complex setups to access investment options through separate financial institutions.

Currently serving a substantial number of small businesses and merchants in Europe with payment acceptance and business banking services, SumUp now aims to enhance customer engagement by adding an investment layer. This move positions the platform to deliver a comprehensive financial management experience within a single application.

While the German launch is the first step, no concrete timeline has been set for the wider European and UK release beyond indicating it will follow the initial German deployment.