Qonto website screenshot

Qonto

Qonto is a European business banking / neobank platform for freelancers and SMEs, founded in Paris in 2016 and operating on an EU-passported payment institution licence. Its Business API and Onboarding API give programmatic access to business accounts, EUR transactions, SEPA and international transfers, cards, client and supplier invoices, SEPA Direct Debit, payment links, terminals, webhooks, and partner-led company onboarding, authenticated by a login+secret-key API key or OAuth 2.0.

Qonto publishes 13 API contracts indexed on the APIs.io network, including Cards API, Client Invoices API, Internal Transfers API, and 10 more. Tagged areas include Business Banking, Neobank, Fintech, Payments, and SEPA.

The Qonto catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 1 Spectral governance ruleset.

Qonto’s developer surface includes authentication, changelog, sandbox, documentation, API reference, getting-started guide, support, and 49 more developer resources.

77.0/100 exemplar ▬ flat Agent 59/100 agent ready Front door AI 6/6 dominant saas Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →
AccessPaidSelf serve
1 published contract 1 MCP Servers 4 Agent Skills
Business BankingNeobankFintechPaymentsSEPAOpen BankingEUREurope

What this lets a business do 3

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management
BC-1340
International TransfersSEPA Direct DebitSEPA Transfers
POST /v2/sepa/transfers GET /v2/beneficiaries GET /v2/international_transfers/currencies POST /v2/international_transfers
Financial Management
BC-200
Client InvoicesSupplier Invoices
GET /v2/client_invoices POST /v2/client_invoices GET /v2/supplier_invoices POST /v2/supplier_invoices
Developer Platform & API Ecosystem Management
BC-4270
Webhooks
GET /v2/webhook_subscriptions

What people ask Qonto 13

The questions people put to an LLM, and the jobs they hand an agent, that Qonto's APIs answer — each one linked to the operation that does it. Generated by API Evangelist

Qonto Organizations & Accounts API Get the organization and its bank accounts “Which bank accounts does my organization have and what are their balances?” List members of the organization “Who has access to my company's business account?” Invite a new member to the organization “Who can I add as a new member of our business account, and how?” List transaction labels “What labels has my company set up to categorize transactions?”
Qonto SEPA Transfers API List SEPA transfers “Which SEPA transfers have gone out from my business account?” Send a single SEPA transfer in euros “What's needed to send a single euro bank transfer to a supplier?” Send a batch of SEPA transfers at once “Can I pay many suppliers in one bulk SEPA transfer?” List saved SEPA beneficiaries “Which payees have I saved for SEPA transfers?”
Qonto Webhooks API List webhook subscriptions “Which webhook subscriptions are set up on my account?” Subscribe to webhook events “Can I get notified by webhook when a transaction happens?” Delete a webhook subscription “What's the way to stop receiving a webhook I no longer need?”
Qonto Transactions and Statements API List account transactions “Which transactions hit my business account since a certain date?” Get one transaction's details “What are the full details of a specific transaction?” List bank statements “Where can I find my monthly bank statements?”
Qonto Supplier Invoices API List supplier invoices “Which supplier invoices have been uploaded to my account?” Add supplier invoices “Where do I add bills from my suppliers in Qonto?” Upload a file attachment “Is there an endpoint to upload a receipt or document file?”
Qonto Terminals API List payment terminals “Which card payment terminals are registered to my business?” Start a payment on a terminal “Can I charge a customer in person on a card terminal?”
Qonto Client Invoices API List invoices sent to clients “Which invoices have I sent to my customers from Qonto?” Create an invoice for a client “What's involved in billing a customer with a new client invoice?”
Qonto Cards API List the organization's payment cards “Which cards have been issued on my Qonto business account?” Issue a new virtual or physical card “How do I issue a new company card for a team member?”
Qonto SEPA Direct Debit API Create a SEPA Direct Debit mandate “What does it take to set up a SEPA Direct Debit mandate with a customer?” List SEPA Direct Debit collections “Which SEPA Direct Debit payments have I collected from customers?”
Qonto Payment Links API List payment links “Which payment links have I created to collect money from customers?” Create a payment link to collect money “Is there a way to create a link customers can use to pay me online?”
Qonto International Transfers API List currencies available for international transfers “Which currencies can I send money in abroad from Qonto?” Send an international transfer abroad “How do I send money to a bank account outside the SEPA zone?”
Qonto O Auth API Get or refresh an OAuth access token “How do I exchange an authorization code for an access token?”

Showing 12 of 13 APIs with phrasing — see every API.

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0
Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Show this score on your site. Kin Score badge preview for Qonto It updates itself when the score changes. Paste this where you link to your API docs:
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Raise your score.
Agent readiness — checks not met, largest first (exact, from this profile):
  • Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
  • Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too
  • Agentic Commerce Well-Known Document +5 pts — a parsing /.well-known/ucp.json or acp.json declaring a version and at least one service — `self` when its endpoints are on the provider's own domain, `platform` when they are on a vendor's
  • Dry-Run / Simulate Mode +4 pts — OpenAPI: destructive operations expose a dry_run / simulate / preview / validate_only parameter
  • Well-Known Catalog +4 pts — common[].type includes WellKnown, APICatalog, or api-catalog
  • Consent & Bot Identity +3 pts — common[].type includes AIPREF, ContentSignal, WebBotAuth, or HTTPMessageSignatures
Kin Score — facets with the most composite points still available (weight × headroom):
Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/qonto/apis.yml: open an issue on github.com/api-evangelist/qonto to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 13

Individual APIs this provider publishes, each with its own machine-readable definition.

Qonto Cards API

The Cards API from Qonto — 1 operation(s) for cards.

Qonto Client Invoices API

The Client Invoices API from Qonto — 1 operation(s) for client invoices.

Qonto Internal Transfers API

The Internal Transfers API from Qonto — 1 operation(s) for internal transfers.

Qonto International Transfers API

The International Transfers API from Qonto — 2 operation(s) for international transfers.

Qonto Organizations & Accounts API

The Organizations & Accounts API from Qonto — 4 operation(s) for organizations & accounts.

Qonto Payment Links API

The Payment Links API from Qonto — 1 operation(s) for payment links.

Qonto SEPA Direct Debit API

The SEPA Direct Debit API from Qonto — 2 operation(s) for sepa direct debit.

Qonto SEPA Transfers API

The SEPA Transfers API from Qonto — 3 operation(s) for sepa transfers.

Qonto Supplier Invoices API

The Supplier Invoices API from Qonto — 2 operation(s) for supplier invoices.

Qonto Terminals API

The Terminals API from Qonto — 2 operation(s) for terminals.

Qonto Webhooks API

The Webhooks API from Qonto — 2 operation(s) for webhooks.

Qonto O Auth API

The OAuth API from Qonto — 1 operation(s) for oauth.

Qonto Transactions and Statements API

The Transactions and Statements API from Qonto — 3 operation(s) for transactions and statements.

Scroll for all 13

Postman Collections 13

Ready-to-run Postman collections for exercising this provider's APIs.

Scroll for all 13

Open Collections 13

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Qonto Business Cards API

OPEN COLLECTION

Scroll for all 13

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Qonto MCP Server

Officially supported, actively maintained Qonto MCP server. Lets an AI assistant read and act on Qonto business-banking data through a curated set of tools. Built on top of the ...

MCP SERVER

Agent Skills 4

Packaged agent skills for driving this provider's APIs from an AI assistant.

qonto-issue-card

AGENT SKILL

Pricing Plans 2

Published pricing tiers and plan structures.

Qonto Plans Pricing

10 plans

PLANS

Qonto Price Estimates

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Qonto Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Qonto Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Qonto Webhooks

ASYNCAPI

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Qonto Context

2 classes · 14 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Qonto API Rules

12 rules · 10 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 14

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Qonto Cards Api Phrasing Overlay

3 actions · phrasing · qonto-cards-api-openapi.yml

GENERATED

Qonto Client Invoices Api Phrasing Overlay

3 actions · phrasing · qonto-client-invoices-api-openapi.yml

GENERATED

Qonto Internal Transfers Api Phrasing Overlay

2 actions · phrasing · qonto-internal-transfers-api-openapi.yml

GENERATED

Qonto International Transfers Api Phrasing Overlay

3 actions · phrasing · qonto-international-transfers-api-openapi.yml

GENERATED

Qonto Oauth Api Phrasing Overlay

2 actions · phrasing · qonto-oauth-api-openapi.yml

GENERATED

Qonto Openapi Overlay

3 actions · update · qonto-openapi.yml

DERIVED

Qonto Organizations Accounts Api Phrasing Overlay

7 actions · phrasing · qonto-organizations-accounts-api-openapi.yml

GENERATED

Qonto Payment Links Api Phrasing Overlay

3 actions · phrasing · qonto-payment-links-api-openapi.yml

GENERATED

Qonto Sepa Direct Debit Api Phrasing Overlay

3 actions · phrasing · qonto-sepa-direct-debit-api-openapi.yml

GENERATED

Qonto Sepa Transfers Api Phrasing Overlay

5 actions · phrasing · qonto-sepa-transfers-api-openapi.yml

GENERATED

Qonto Supplier Invoices Api Phrasing Overlay

4 actions · phrasing · qonto-supplier-invoices-api-openapi.yml

GENERATED

Qonto Terminals Api Phrasing Overlay

3 actions · phrasing · qonto-terminals-api-openapi.yml

GENERATED

Qonto Transactions And Statements Api Phrasing Overlay

4 actions · phrasing · qonto-transactions-and-statements-api-openapi.yml

GENERATED

Qonto Webhooks Api Phrasing Overlay

4 actions · phrasing · qonto-webhooks-api-openapi.yml

GENERATED

Scroll for all 14

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

SepaTransferRequest

8 properties

JSON SCHEMA

TokenSet

6 properties

JSON SCHEMA

Security Posture 4

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Qonto Authentication

apiKey/oauth2/mtls · 3 schemes

SECURITY

Qonto Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Qonto Vulnerability Disclosure

security.txt · contact published

SECURITY

Qonto Trust Center

GDPR

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Qonto Scopes

35 scopes · authorizationCode

35 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Qonto Agentic Access

33 operations · 16 acting · 7 human-in-the-loop

33 operations · 16 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 11

Pagination, idempotency, versioning, errors, and events

Scroll for all 11

Build 6

SDKs, sample code, and the tooling you integrate with

Access & Security 8

Authentication, authorization, and security posture

Scroll for all 8

Operate 5

Status, limits, changes, and where to get help

Commercial 5

Pricing, plans, and the legal terms of use

Company 4

The organization behind the API

Other 6

Properties that don't map to a standard resource type

Source (apis.yml)

apis.yml Raw ↑
aid: qonto
url: https://raw.githubusercontent.com/api-evangelist/qonto/refs/heads/main/apis.yml
name: Qonto
kind: company
description: Qonto is a European business banking / neobank platform for freelancers and SMEs, founded in Paris in 2016 and
  operating on an EU-passported payment institution licence. Its Business API and Onboarding API give programmatic access
  to business accounts, EUR transactions, SEPA and international transfers, cards, client and supplier invoices, SEPA Direct
  Debit, payment links, terminals, webhooks, and partner-led company onboarding, authenticated by a login+secret-key API key
  or OAuth 2.0.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Paid · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/qonto.png
x-docs-platform: mintlify
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-04
x-docs-hosting: vercel
tags:
- Business Banking
- Neobank
- Fintech
- Payments
- SEPA
- Open Banking
- EUR
- Europe
created: '2026-07-17'
modified: '2026-10-12'
specificationVersion: '0.23'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
common:
- type: Spectral
  url: rules/qonto-rules.yml
- type: JSONLD
  url: json-ld/qonto-context.jsonld
- type: Vocabulary
  url: vocabulary/qonto-vocabulary.yml
- type: Deprecation
  url: https://docs.qonto.com/get-started/general/versioning
- type: AgentCard
  url: a2a/qonto-a2a.yml
- type: Hosts
  url: hosts/qonto-hosts.yml
- type: IntegrationEdges
  url: integrations/qonto-integration-edges.yml
- type: Vendors
  url: vendors/qonto-vendors.yml
- type: Newsroom
  url: https://qonto.com/en/press
- type: Leadership
  url: https://qonto.com/en/team
- type: CapabilityMap
  url: capabilities/qonto-capability-edges.yml
  name: Qonto Business Capability Map
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/qonto/overview
- type: OAuthScopes
  url: scopes/qonto-scopes.yml
- type: AgenticAccess
  url: agentic-access/qonto-agentic-access.yml
- type: TrustCenter
  url: security/qonto-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/qonto-vulnerability-disclosure.yml
- type: Security
  url: https://qonto.com/en/security
- type: Compliance
  url: security/qonto-trust-center.yml
- type: DomainSecurity
  url: security/qonto-domain-security.yml
- type: Authentication
  url: authentication/qonto-authentication.yml
- type: Conventions
  url: conventions/qonto-conventions.yml
- type: Idempotency
  url: conventions/qonto-conventions.yml
- type: ErrorCatalog
  url: errors/qonto-problem-types.yml
- type: Lifecycle
  url: lifecycle/qonto-lifecycle.yml
- type: StatusPage
  url: https://status.qonto.com/
- type: ChangeLog
  url: changelog/qonto-changelog.yml
- type: Conformance
  url: conformance/qonto-conformance.yml
- type: DataModel
  url: data-model/qonto-data-model.yml
- type: Webhooks
  url: asyncapi/qonto-webhooks.yml
- type: MCPServer
  url: mcp/qonto-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Packages
  url: packages/qonto-packages.yml
- type: SDKs
  url: packages/qonto-packages.yml
- type: Components
  url: components/qonto-components.yml
- type: Sandbox
  url: sandbox/qonto-sandbox.yml
- type: Overlay
  url: overlays/qonto-openapi-overlay.yaml
- type: LLMsTxt
  url: llms/qonto-llms.txt
- type: WellKnown
  url: well-known/qonto-well-known.yml
- type: SecurityTxt
  url: well-known/qonto-security.txt
- type: GitHubOrganization
  url: https://github.com/qonto
- type: LinkedIn
  url: https://www.linkedin.com/company/qonto
- type: Website
  url: https://qonto.com/
- type: DeveloperPortal
  url: https://docs.qonto.com/
- type: Documentation
  url: https://docs.qonto.com/
- type: APIReference
  url: https://docs.qonto.com/api-reference/introduction
- type: GettingStarted
  url: https://docs.qonto.com/get-started/business-api/overview
- type: Support
  url: https://help.qonto.com/
- type: Postman
  url: collections/qonto.postman_collection.json
- type: Pricing
  url: https://qonto.com/en/pricing
- type: SignUp
  url: https://app.qonto.com/signup
- type: TermsOfService
  url: https://legal.qonto.com/en
- type: PrivacyPolicy
  url: https://legal.qonto.com/en
- type: Plans
  url: plans/qonto-plans-pricing.yml
- type: RateLimits
  url: rate-limits/qonto-rate-limits.yml
- type: FinOps
  url: finops/qonto-finops.yml
- url: https://qonto.com/en/blog
  type: Blog
apis:
- aid: qonto:qonto-cards-api
  name: Qonto Cards API
  description: The Cards API from Qonto — 1 operation(s) for cards.
  humanURL: https://docs.qonto.com/get-started/business-api/overview
  baseURL: https://thirdparty.qonto.com/v2
  tags:
  - Cards
  properties:
  - type: OpenAPI
    url: openapi/qonto-cards-api-openapi.yml
  - type: Documentation
    url: https://docs.qonto.com/api-reference/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/accounts-organizations/organizations/retrieve-the-authenticated-organization-and-list-bank-accounts
  - type: PostmanCollection
    url: collections/qonto.postman_collection.json
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/transactions-statements/transactions/list-transactions
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-transfers/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/international-transfers/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/internal-transfers/create-an-internal-transfer
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/cards/list-cards
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/expense-management/client-quotes-notes/introduction-factur-x
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/expense-management/supplier-invoices/list-supplier-invoices
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-direct-debit/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/payment-links/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/terminals/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/webhooks/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/webhooks/supported-webhooks/v1-transactions
  - type: APIReference
    url: https://docs.qonto.com/api-reference/onboarding-api/endpoints/registrations/create-a-registration
  - type: Documentation
    url: https://docs.qonto.com/api-reference/sdk-libraries/doc-pages/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/endpoints/encoded-requests/introduction
- aid: qonto:qonto-client-invoices-api
  name: Qonto Client Invoices API
  description: The Client Invoices API from Qonto — 1 operation(s) for client invoices.
  humanURL: https://docs.qonto.com/get-started/business-api/overview
  baseURL: https://thirdparty.qonto.com/v2
  tags:
  - Client Invoices
  properties:
  - type: OpenAPI
    url: openapi/qonto-client-invoices-api-openapi.yml
  - type: Documentation
    url: https://docs.qonto.com/api-reference/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/accounts-organizations/organizations/retrieve-the-authenticated-organization-and-list-bank-accounts
  - type: PostmanCollection
    url: collections/qonto.postman_collection.json
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/transactions-statements/transactions/list-transactions
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-transfers/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/international-transfers/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/internal-transfers/create-an-internal-transfer
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/cards/list-cards
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/expense-management/client-quotes-notes/introduction-factur-x
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/expense-management/supplier-invoices/list-supplier-invoices
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-direct-debit/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/payment-links/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/terminals/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/webhooks/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/webhooks/supported-webhooks/v1-transactions
  - type: APIReference
    url: https://docs.qonto.com/api-reference/onboarding-api/endpoints/registrations/create-a-registration
  - type: Documentation
    url: https://docs.qonto.com/api-reference/sdk-libraries/doc-pages/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/endpoints/encoded-requests/introduction
- aid: qonto:qonto-internal-transfers-api
  name: Qonto Internal Transfers API
  description: The Internal Transfers API from Qonto — 1 operation(s) for internal transfers.
  humanURL: https://docs.qonto.com/get-started/business-api/overview
  baseURL: https://thirdparty.qonto.com/v2
  tags:
  - Internal Transfers
  properties:
  - type: OpenAPI
    url: openapi/qonto-internal-transfers-api-openapi.yml
  - type: Documentation
    url: https://docs.qonto.com/api-reference/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/accounts-organizations/organizations/retrieve-the-authenticated-organization-and-list-bank-accounts
  - type: PostmanCollection
    url: collections/qonto.postman_collection.json
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/transactions-statements/transactions/list-transactions
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-transfers/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/international-transfers/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/internal-transfers/create-an-internal-transfer
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/cards/list-cards
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/expense-management/client-quotes-notes/introduction-factur-x
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/expense-management/supplier-invoices/list-supplier-invoices
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-direct-debit/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/payment-links/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/terminals/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/webhooks/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/webhooks/supported-webhooks/v1-transactions
  - type: APIReference
    url: https://docs.qonto.com/api-reference/onboarding-api/endpoints/registrations/create-a-registration
  - type: Documentation
    url: https://docs.qonto.com/api-reference/sdk-libraries/doc-pages/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/endpoints/encoded-requests/introduction
- aid: qonto:qonto-international-transfers-api
  name: Qonto International Transfers API
  description: The International Transfers API from Qonto — 2 operation(s) for international transfers.
  humanURL: https://docs.qonto.com/get-started/business-api/overview
  baseURL: https://thirdparty.qonto.com/v2
  tags:
  - International Transfers
  properties:
  - type: OpenAPI
    url: openapi/qonto-international-transfers-api-openapi.yml
  - type: Documentation
    url: https://docs.qonto.com/api-reference/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/accounts-organizations/organizations/retrieve-the-authenticated-organization-and-list-bank-accounts
  - type: PostmanCollection
    url: collections/qonto.postman_collection.json
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/transactions-statements/transactions/list-transactions
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-transfers/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/international-transfers/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/internal-transfers/create-an-internal-transfer
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/cards/list-cards
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/expense-management/client-quotes-notes/introduction-factur-x
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/expense-management/supplier-invoices/list-supplier-invoices
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-direct-debit/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/payment-links/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/terminals/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/webhooks/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/webhooks/supported-webhooks/v1-transactions
  - type: APIReference
    url: https://docs.qonto.com/api-reference/onboarding-api/endpoints/registrations/create-a-registration
  - type: Documentation
    url: https://docs.qonto.com/api-reference/sdk-libraries/doc-pages/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/endpoints/encoded-requests/introduction
- aid: qonto:qonto-organizations-accounts-api
  name: Qonto Organizations & Accounts API
  description: The Organizations & Accounts API from Qonto — 4 operation(s) for organizations & accounts.
  humanURL: https://docs.qonto.com/get-started/business-api/overview
  baseURL: https://thirdparty.qonto.com/v2
  tags:
  - Organizations & Accounts
  properties:
  - type: OpenAPI
    url: openapi/qonto-organizations-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.qonto.com/api-reference/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/accounts-organizations/organizations/retrieve-the-authenticated-organization-and-list-bank-accounts
  - type: PostmanCollection
    url: collections/qonto.postman_collection.json
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/transactions-statements/transactions/list-transactions
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-transfers/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/international-transfers/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/internal-transfers/create-an-internal-transfer
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/cards/list-cards
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/expense-management/client-quotes-notes/introduction-factur-x
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/expense-management/supplier-invoices/list-supplier-invoices
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-direct-debit/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/payment-links/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/terminals/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/webhooks/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/webhooks/supported-webhooks/v1-transactions
  - type: APIReference
    url: https://docs.qonto.com/api-reference/onboarding-api/endpoints/registrations/create-a-registration
  - type: Documentation
    url: https://docs.qonto.com/api-reference/sdk-libraries/doc-pages/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/endpoints/encoded-requests/introduction
- aid: qonto:qonto-payment-links-api
  name: Qonto Payment Links API
  description: The Payment Links API from Qonto — 1 operation(s) for payment links.
  humanURL: https://docs.qonto.com/get-started/business-api/overview
  baseURL: https://thirdparty.qonto.com/v2
  tags:
  - Payment Links
  properties:
  - type: OpenAPI
    url: openapi/qonto-payment-links-api-openapi.yml
  - type: Documentation
    url: https://docs.qonto.com/api-reference/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/accounts-organizations/organizations/retrieve-the-authenticated-organization-and-list-bank-accounts
  - type: PostmanCollection
    url: collections/qonto.postman_collection.json
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/transactions-statements/transactions/list-transactions
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-transfers/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/international-transfers/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/internal-transfers/create-an-internal-transfer
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/cards/list-cards
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/expense-management/client-quotes-notes/introduction-factur-x
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/expense-management/supplier-invoices/list-supplier-invoices
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-direct-debit/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/payment-links/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/terminals/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/webhooks/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/webhooks/supported-webhooks/v1-transactions
  - type: APIReference
    url: https://docs.qonto.com/api-reference/onboarding-api/endpoints/registrations/create-a-registration
  - type: Documentation
    url: https://docs.qonto.com/api-reference/sdk-libraries/doc-pages/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/endpoints/encoded-requests/introduction
- aid: qonto:qonto-sepa-direct-debit-api
  name: Qonto SEPA Direct Debit API
  description: The SEPA Direct Debit API from Qonto — 2 operation(s) for sepa direct debit.
  humanURL: https://docs.qonto.com/get-started/business-api/overview
  baseURL: https://thirdparty.qonto.com/v2
  tags:
  - SEPA Direct Debit
  properties:
  - type: OpenAPI
    url: openapi/qonto-sepa-direct-debit-api-openapi.yml
  - type: Documentation
    url: https://docs.qonto.com/api-reference/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/accounts-organizations/organizations/retrieve-the-authenticated-organization-and-list-bank-accounts
  - type: PostmanCollection
    url: collections/qonto.postman_collection.json
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/transactions-statements/transactions/list-transactions
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-transfers/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/international-transfers/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/internal-transfers/create-an-internal-transfer
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/cards/list-cards
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/expense-management/client-quotes-notes/introduction-factur-x
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/expense-management/supplier-invoices/list-supplier-invoices
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-direct-debit/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/payment-links/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/terminals/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/webhooks/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/webhooks/supported-webhooks/v1-transactions
  - type: APIReference
    url: https://docs.qonto.com/api-reference/onboarding-api/endpoints/registrations/create-a-registration
  - type: Documentation
    url: https://docs.qonto.com/api-reference/sdk-libraries/doc-pages/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/endpoints/encoded-requests/introduction
- aid: qonto:qonto-sepa-transfers-api
  name: Qonto SEPA Transfers API
  description: The SEPA Transfers API from Qonto — 3 operation(s) for sepa transfers.
  humanURL: https://docs.qonto.com/get-started/business-api/overview
  baseURL: https://thirdparty.qonto.com/v2
  tags:
  - SEPA Transfers
  properties:
  - type: OpenAPI
    url: openapi/qonto-sepa-transfers-api-openapi.yml
  - type: Documentation
    url: https://docs.qonto.com/api-reference/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/accounts-organizations/organizations/retrieve-the-authenticated-organization-and-list-bank-accounts
  - type: PostmanCollection
    url: collections/qonto.postman_collection.json
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/transactions-statements/transactions/list-transactions
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-transfers/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/international-transfers/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/internal-transfers/create-an-internal-transfer
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/cards/list-cards
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/expense-management/client-quotes-notes/introduction-factur-x
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/expense-management/supplier-invoices/list-supplier-invoices
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-direct-debit/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/payment-links/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/terminals/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/webhooks/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/webhooks/supported-webhooks/v1-transactions
  - type: APIReference
    url: https://docs.qonto.com/api-reference/onboarding-api/endpoints/registrations/create-a-registration
  - type: Documentation
    url: https://docs.qonto.com/api-reference/sdk-libraries/doc-pages/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/endpoints/encoded-requests/introduction
  - type: JSONSchema
    url: json-schema/qonto-sepa-transfer-request-schema.json
- aid: qonto:qonto-supplier-invoices-api
  name: Qonto Supplier Invoices API
  description: The Supplier Invoices API from Qonto — 2 operation(s) for supplier invoices.
  humanURL: https://docs.qonto.com/get-started/business-api/overview
  baseURL: https://thirdparty.qonto.com/v2
  tags:
  - Supplier Invoices
  properties:
  - type: OpenAPI
    url: openapi/qonto-supplier-invoices-api-openapi.yml
  - type: Documentation
    url: https://docs.qonto.com/api-reference/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/accounts-organizations/organizations/retrieve-the-authenticated-organization-and-list-bank-accounts
  - type: PostmanCollection
    url: collections/qonto.postman_collection.json
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/transactions-statements/transactions/list-transactions
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-transfers/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/international-transfers/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/internal-transfers/create-an-internal-transfer
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/cards/list-cards
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/expense-management/client-quotes-notes/introduction-factur-x
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/expense-management/supplier-invoices/list-supplier-invoices
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-direct-debit/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/payment-links/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/terminals/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/webhooks/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/webhooks/supported-webhooks/v1-transactions
  - type: APIReference
    url: https://docs.qonto.com/api-reference/onboarding-api/endpoints/registrations/create-a-registration
  - type: Documentation
    url: https://docs.qonto.com/api-reference/sdk-libraries/doc-pages/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/endpoints/encoded-requests/introduction
- aid: qonto:qonto-terminals-api
  name: Qonto Terminals API
  description: The Terminals API from Qonto — 2 operation(s) for terminals.
  humanURL: https://docs.qonto.com/get-started/business-api/overview
  baseURL: https://thirdparty.qonto.com/v2
  tags:
  - Terminal
  tags_raw:
  - Terminals
  properties:
  - type: OpenAPI
    url: openapi/qonto-terminals-api-openapi.yml
  - type: Documentation
    url: https://docs.qonto.com/api-reference/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/accounts-organizations/organizations/retrieve-the-authenticated-organization-and-list-bank-accounts
  - type: PostmanCollection
    url: collections/qonto.postman_collection.json
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/transactions-statements/transactions/list-transactions
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-transfers/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/international-transfers/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/internal-transfers/create-an-internal-transfer
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/cards/list-cards
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/expense-management/client-quotes-notes/introduction-factur-x
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/expense-management/supplier-invoices/list-supplier-invoices
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-direct-debit/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/payment-links/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/terminals/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/webhooks/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/webhooks/supported-webhooks/v1-transactions
  - type: APIReference
    url: https://docs.qonto.com/api-reference/onboarding-api/endpoints/registrations/create-a-registration
  - type: Documentation
    url: https://docs.qonto.com/api-reference/sdk-libraries/doc-pages/overview
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/endpoints/encoded-requests/introduction
- aid: qonto:qonto-webhooks-api
  name: Qonto Webhooks API
  description: The Webhooks API from Qonto — 2 operation(s) for webhooks.
  humanURL: https://docs.qonto.com/get-started/business-api/overview
  baseURL: https://thirdparty.qonto.com/v2
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/qonto-webhooks-api-openapi.yml
  - type: Documentation
    url: https://docs.qonto.com/api-reference/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/accounts-organizations/organizations/retrieve-the-authenticated-organization-and-list-bank-accounts
  - type: PostmanCollection
    url: collections/qonto.postman_collection.json
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/transactions-statements/transactions/list-transactions
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-transfers/introduction
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/international-transfers/introduction
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/payments-transfers/internal-transfers/create-an-internal-transfer
  - type: APIReference
    url: https://docs.qonto.com/api-reference/business-api/cards/list-cards
  - type: Documentation
    url: https://docs.qonto.com/api-reference/business-api/expense-management/client-quotes-notes/introduction-factur-x


# --- truncated at 32 KB (38 KB total) ---
# Full source: https://artifacts.apis.io/qonto/apis.yml

Qonto API — frequently asked questions

Does Qonto have an API?

Yes. APIs.io lists 13 APIs from Qonto, including Qonto Cards API, Qonto Client Invoices API and Qonto Internal Transfers API, and 10 more.

Is there an OpenAPI specification for the Qonto API?

Yes. APIs.io indexes 13 OpenAPI specifications for Qonto, each linked for download from this page.

How do I authenticate with the Qonto API?

Qonto documents its authentication (apiKey/oauth2/mtls · 3 schemes). The details are profiled on APIs.io as Qonto Authentication.

How much does the Qonto API cost?

APIs.io lists 10 pricing plans for Qonto, with each plan's price, limits and inclusions under Pricing Plans on this page.

Does Qonto have an MCP server?

Yes. APIs.io lists 1 MCP server for Qonto: Officially supported, actively maintained Qonto MCP server. Lets an AI assistant read and act on Qonto business-banking data through a curated set of tools. Built on top of the Qonto Business API and

Is the Qonto API ready for AI agents?

Qonto has a Kin Score of 77.0 out of 100 (exemplar) and an Agent Readiness score of 58.5 (agent-ready), scored by API Evangelist on 2026-10-31.

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