Qonto SEPA Transfers API

openapi: 3.1.0
info:
  title: Qonto Business Cards SEPA Transfers API
  description: Business banking API for Qonto - programmatic access to business accounts, EUR transactions, SEPA and international transfers, cards, client and supplier invoices, SEPA Direct Debit, payment links, terminals, and webhooks. Authenticated with a login+secret-key API key or OAuth 2.0. Modeled from public documentation.
  version: v2
  contact:
    name: Qonto Developers
    url: https://docs.qonto.com/
  termsOfService: https://qonto.com/en/legal
servers:
- url: https://thirdparty.qonto.com
  description: Production
- url: https://thirdparty-sandbox.staging.qonto.co
  description: Sandbox
security:
- SecretKey: []
- OAuth: []
tags:
- name: SEPA Transfers
paths:
  /v2/sepa/transfers:
    get:
      operationId: listSepaTransfers
      tags:
      - SEPA Transfers
      summary: List SEPA transfers
      description: 'OAuth scope: organization.read'
      responses:
        '200':
          description: A paginated list of SEPA transfers
    post:
      operationId: createSepaTransfer
      tags:
      - SEPA Transfers
      summary: Create a SEPA transfer
      description: 'OAuth scope: payment.write. Creates a single SEPA credit transfer in EUR (standard or instant). Sensitive; requires Strong Customer Authentication (SCA) unless the beneficiary is trusted (Embed partners only).'
      parameters:
      - $ref: '#/components/parameters/IdempotencyKey'
      - $ref: '#/components/parameters/ScaSessionToken'
      - $ref: '#/components/parameters/MfaHeader'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/SepaTransferRequest'
      responses:
        '201':
          description: Transfer created
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          description: Validation error (e.g. insufficient limits)
  /v2/sepa/bulk_transfers:
    post:
      operationId: createSepaBulkTransfer
      tags:
      - SEPA Transfers
      summary: Create a bulk SEPA transfer
      description: 'OAuth scope: payment.write'
      parameters:
      - $ref: '#/components/parameters/ScaSessionToken'
      responses:
        '201':
          description: Bulk transfer created
  /v2/beneficiaries:
    get:
      operationId: listBeneficiaries
      tags:
      - SEPA Transfers
      summary: List SEPA beneficiaries
      description: 'OAuth scope: organization.read'
      responses:
        '200':
          description: A list of SEPA beneficiaries
components:
  parameters:
    MfaHeader:
      name: X-Qonto-MFA
      in: header
      description: Multi-factor authentication challenge header for sensitive operations.
      schema:
        type: string
    ScaSessionToken:
      name: X-Qonto-Sca-Session-Token
      in: header
      description: Strong Customer Authentication (SCA) session token for sensitive operations.
      schema:
        type: string
    IdempotencyKey:
      name: X-Qonto-Idempotency-Key
      in: header
      description: Client-generated key to safely retry create requests without duplication.
      schema:
        type: string
  responses:
    Unauthorized:
      description: Missing or invalid authentication
  schemas:
    SepaTransferRequest:
      type: object
      required:
      - debit_iban
      - amount
      - currency
      properties:
        debit_iban:
          type: string
        beneficiary_id:
          type: string
        amount:
          type: string
          example: '100.00'
        currency:
          type: string
          enum:
          - EUR
          default: EUR
        reference:
          type: string
        instant:
          type: boolean
          default: false
        scheduled_date:
          type: string
          format: date
        attachment_ids:
          type: array
          items:
            type: string
  securitySchemes:
    SecretKey:
      type: apiKey
      in: header
      name: Authorization
      description: 'Qonto API key. Value is the organization sign-in and secret key concatenated with a colon - "Authorization: {sign-in}:{secret-key}". This resembles HTTP Basic auth but is NOT - the value is not Base64 encoded.'
    OAuth:
      type: oauth2
      description: OAuth 2.0 authorization code flow. Access tokens are valid 1 hour; refresh tokens 90 days (offline_access). Bearer access token sent in the Authorization header.
      flows:
        authorizationCode:
          authorizationUrl: https://oauth.qonto.com/oauth2/auth
          tokenUrl: https://thirdparty.qonto.com/oauth2/token
          scopes:
            openid: OpenID Connect ID token
            offline_access: Issue a refresh token
            organization.read: Read organization, accounts, memberships, labels, transactions
            membership.read: Read the authenticated membership
            membership.write: Create memberships
            team.read: Read teams
            team.write: Create teams
            subscription.read: Read the organization subscription plan
            card.read: Read cards
            card.write: Manage cards
            payment.write: Create SEPA transfers and manage beneficiaries
            internal_transfer.write: Create internal transfers
            international_transfer.write: Create international transfers and beneficiaries
            beneficiary.trust: Trust SEPA beneficiaries
            attachment.read: Read attachments
            attachment.write: Upload attachments
            client.read: Read clients (customers)
            client.write: Manage clients (customers)
            client_invoices.read: Read client invoices, quotes, credit notes
            client_invoice.write: Manage client invoices, quotes, credit notes
            supplier_invoice.read: Read supplier invoices
            supplier_invoice.write: Manage supplier invoices
            product.read: Read products
            product.write: Manage products
            sepa_direct_debit.read: Read SEPA Direct Debit collections/mandates
            sepa_direct_debit.write: Manage SEPA Direct Debit mandates/subscriptions
            payment_link.read: Read payment links
            payment_link.write: Manage payment links
            terminal.read: Read terminals and terminal payments
            terminal.write: Create terminal payments
            einvoicing.read: Read e-invoicing settings
            insurance_contract.read: Read insurance contracts
            insurance_contract.write: Manage insurance contracts
            embed_auth_link.write: Create Embed Auth Links
            webhook: Manage webhook subscriptions