SumUp, the paymentsand business banking company, said today (Tuesday) it has partnered withBerlin-based investment infrastructure firm Upvest to bring money market fundinvesting to its merchant app, giving small business owners access to capitalmarkets tools through the same platform they use for payments and everyday banking.Singapore Summit: Meet the largest APAC brokers you know (and those you still don't!)The featurewent live in Germany this month and allows merchants to direct a portion oftheir account balance into euro-denominated money market funds, withinvestments starting at €1. SumUp said a broader rollout across Europe and theUnited Kingdom is planned, though it did not specify a timeline for thosemarkets.Idle Cash, Modest ReturnsMoneymarket funds pool capital into short-term, high-quality debt instruments andare typically designed to preserve principal while generating modest returnsabove standard deposit rates. SumUp is positioning the product as astraightforward way for small business owners, who often leave surplus cashsitting in low-yield accounts, to put those funds to work without switchingplatforms or taking on significant market risk, according to the company.Behind thefeature sits Upvest's investment infrastructure, which handles order executionand settlement, custody, regulatory reporting, and tax processing on SumUp'sbehalf, the companies said. That arrangement lets SumUp offer the capabilitywithout building out its own securities operations."Smallbusinesses are under constant pressure to set money aside for a rainyday," said Felix Lamouroux, SVP of Global Banking at SumUp. "Yet toooften this money sits idle in deposits, when it could be earning interestthrough investments."Upvest Expands Its ClientRosterFor Upvest,the deal adds a merchant-focused partner to a client portfolio that alreadyincludes consumer fintechs such as Revolut, N26, bunq, Webull, and Raisin, aswell as digital banks Openbank and DKB. Earlier thismonth, the Berlin-based firm raised $125 million at a valuation of €640 million, nearly double the €360 million itwas valued at when it last raised capital in December 2024. The companyprocesses more than 100 million trades per year and employs 280 people,according to its own figures."Poweredby Upvest's Investment API, SumUp can now offer a best-in-class investmentproposition for merchants to grow their wealth," said Upvest CEO andco-founder Martin Kassing. "This partnership shows how modern investmentinfrastructure can make capital markets investing accessible and operationallysimple at scale."Thearrangement reflects a broader pattern in embedded finance, where investment orbanking products are layered into platforms originally built for otherpurposes. SumUp itself has been steadily adding financial services around itspayment core, having partnered withAdyen in 2024 to expand payment capabilities for small and medium-sizedbusinesses. Upvest,meanwhile, expanded its own product range in January 2026 by adding 2.5 millionsecuritized derivatives instruments to its platform in a deal with BoerseStuttgart.SumUp Pushes Deeper intoFinancial ServicesSumUp,founded in 2012 and serving more than 4 million merchants across 37 markets,has been broadening its product range well beyond card readers for severalyears, adding free business accounts, merchant cash advances, invoicing tools,and point-of-sale registers to its lineup. Thecompany raised €285million in late 2023 at a valuation above €8 billion, money earmarked partly for productexpansion and new market entry.Adding aninvestment layer to its banking offering fits that trajectory, though theinitial scope is narrow. For now, SumUp merchants are limited toeuro-denominated money market funds, a lower-risk product category. The companyhas not disclosed any plans to offer equities, bonds, or other asset classesthrough the platform.This article was written by Damian Chmiel at www.financemagnates.com.