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 14 APIs on the APIs.io network, including Business API, Transactions & Statements API, SEPA Transfers API, and 11 more. Tagged areas include Business Banking, Neobank, Fintech, Payments, and SEPA.

The Qonto catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Qonto’s developer surface includes authentication, changelog, sandbox, documentation, API reference, getting-started guide, support, and 37 more developer resources.

🌐 Visit website 📡 Source on GitHub
73.3/100 exemplar Agent 93/100 agent native Full breakdown ↓
scored 2026-07-20 · rubric v0.4
14 APIs 1 MCP Servers 0 Features
Business BankingNeobankFintechPaymentsSEPAOpen BankingEUREurope

API Rating

API Evangelist API Evangelist Rating How this is scored →
scored 2026-07-20 · rubric v0.4
Composite quality — 73.3/100 · exemplar
Contract Quality 15.1 / 25
Developer Ergonomics 17.0 / 20
Commercial Clarity 20.0 / 20
Operational Transparency 11.3 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 93/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/qonto: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs

Qonto Business API

Core Business API surface for retrieving the authenticated organization and its bank accounts, plus memberships, teams, labels, and the current subscription plan.

Qonto Transactions & Statements API

List and retrieve account transactions with rich filtering (status, dates, side, operation type), account statements, and cash flow category assignment.

Qonto SEPA Transfers API

Create single, bulk, and recurring SEPA credit transfers in EUR (standard or instant), manage SEPA beneficiaries, and run Verification of Payee (VoP) checks. Sensitive operation...

Qonto International Transfers API

Check eligibility, list available currencies, create quotes, manage international beneficiaries, and initiate non-EUR / cross-border transfers.

Qonto Internal Transfers API

Move funds between the organization's own Qonto bank accounts.

Qonto Cards API

Issue single or bulk virtual and physical cards, set and update limits, lock/unlock, discard, report lost/stolen, manage options and restrictions, and retrieve a card iframe URL.

Qonto Client Invoices & Quotes API

Create, finalize, send, and manage client (customer) invoices, quotes, and credit notes, including bulk import, e-invoicing dispatch, and Factur-X PDF generation. Manage clients...

Qonto Supplier Invoices API

Bulk-create, list, retrieve, and mark supplier (vendor) invoices as paid or rejected, and attach supporting documents to transactions.

Qonto SEPA Direct Debit API

Collect EUR payments from customers via SEPA Direct Debit - manage mandates, one-off collections, and recurring subscriptions.

Qonto Payment Links API

Connect a payment links provider and create, list, and deactivate secure customizable payment links, with available payment methods and per-link payments.

Qonto Terminals API

Push payments from your POS system directly to physical Qonto payment terminals and retrieve terminal payment status.

Qonto Webhooks API

Create, list, update, and delete webhook subscriptions to receive real-time signed HTTP callbacks for transactions, cards, invoices, SEPA Direct Debit, payment links, terminals,...

Qonto Onboarding API

Partner-facing API to create and track organization registrations (including company creation flows), upload and manage KYC files, and subscribe to onboarding webhook events.

Qonto Embed SDK & Hosted Pages API

Create Embed Auth Links to authenticate end customers into Qonto Hosted Pages and proxy encoded API requests dispatched by the Embed SDK for embedded banking experiences.

MCP Servers

qonto-mcp.yml

MCP SERVER

Pricing Plans

Qonto Plans Pricing

6 plans

PLANS

Rate Limits

Qonto Rate Limits

3 limits

RATE LIMITS

FinOps

Qonto Finops

FINOPS

Event Specifications

Qonto Webhooks

ASYNCAPI

Resources

Get Started 4

Portal, sign-up, and the first successful call

Sandbox
Sandbox
 DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 MCPServer
MCPServer
 AgentSkill
AgentSkill
 LLMsTxt
LLMsTxt
 WellKnown
WellKnown

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
DataModel
 Webhooks
Webhooks
 Components
Components

Scroll for all 8

Build 4

SDKs, sample code, and the tooling you integrate with

Packages
Packages
 SDKs
SDKs
 GitHubOrganization
GitHubOrganization
 Postman
Postman

Access & Security 8

Authentication, authorization, and security posture

OAuthScopes
OAuthScopes
 TrustCenter
TrustCenter
 VulnerabilityDisclosure
VulnerabilityDisclosure
 Security
Security
 Compliance
Compliance
 DomainSecurity
DomainSecurity
 Authentication
Authentication
 SecurityTxt
SecurityTxt

Scroll for all 8

Operate 4

Status, limits, changes, and where to get help

StatusPage
StatusPage
 ChangeLog
ChangeLog
 Support
Support
 RateLimits
RateLimits

Commercial 5

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy
 Plans
Plans
 FinOps
FinOps

Company 3

The organization behind the API

LinkedIn
LinkedIn
 Website
Website
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

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.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Business Banking
- Neobank
- Fintech
- Payments
- SEPA
- Open Banking
- EUR
- Europe
created: '2026-07-17'
modified: '2026-07-17'
specificationVersion: '0.19'
apis:
- aid: qonto:qonto-business-api
  name: Qonto Business API
  tags:
  - Organizations
  - Accounts
  - Memberships
  - Teams
  - Labels
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.qonto.com/get-started/business-api/overview
  baseURL: https://thirdparty.qonto.com/v2
  properties:
  - url: https://docs.qonto.com/api-reference/introduction
    type: Documentation
  - url: https://docs.qonto.com/api-reference/business-api/accounts-organizations/organizations/retrieve-the-authenticated-organization-and-list-bank-accounts
    type: APIReference
  - url: openapi/qonto-openapi.yml
    type: OpenAPI
  - url: collections/qonto.postman_collection.json
    type: PostmanCollection
  description: Core Business API surface for retrieving the authenticated organization and its bank accounts, plus memberships,
    teams, labels, and the current subscription plan.
- aid: qonto:qonto-transactions-statements-api
  name: Qonto Transactions & Statements API
  tags:
  - Transactions
  - Statements
  - Cash Flow
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.qonto.com/api-reference/business-api/transactions-statements/transactions/list-transactions
  baseURL: https://thirdparty.qonto.com/v2
  properties:
  - url: https://docs.qonto.com/api-reference/business-api/transactions-statements/transactions/list-transactions
    type: APIReference
  - url: openapi/qonto-openapi.yml
    type: OpenAPI
  - url: collections/qonto.postman_collection.json
    type: PostmanCollection
  description: List and retrieve account transactions with rich filtering (status, dates, side, operation type), account statements,
    and cash flow category assignment.
- aid: qonto:qonto-sepa-transfers-api
  name: Qonto SEPA Transfers API
  tags:
  - SEPA
  - Transfers
  - Payments
  - Beneficiaries
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-transfers/sepa-transfers/create
  baseURL: https://thirdparty.qonto.com/v2
  properties:
  - url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-transfers/introduction
    type: Documentation
  - url: openapi/qonto-openapi.yml
    type: OpenAPI
  - url: collections/qonto.postman_collection.json
    type: PostmanCollection
  description: Create single, bulk, and recurring SEPA credit transfers in EUR (standard or instant), manage SEPA beneficiaries,
    and run Verification of Payee (VoP) checks. Sensitive operations require Strong Customer Authentication (SCA).
- aid: qonto:qonto-international-transfers-api
  name: Qonto International Transfers API
  tags:
  - International
  - FX
  - Cross Border
  - Beneficiaries
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.qonto.com/api-reference/business-api/payments-transfers/international-transfers/introduction
  baseURL: https://thirdparty.qonto.com/v2
  properties:
  - url: https://docs.qonto.com/api-reference/business-api/payments-transfers/international-transfers/introduction
    type: Documentation
  - url: openapi/qonto-openapi.yml
    type: OpenAPI
  - url: collections/qonto.postman_collection.json
    type: PostmanCollection
  description: Check eligibility, list available currencies, create quotes, manage international beneficiaries, and initiate
    non-EUR / cross-border transfers.
- aid: qonto:qonto-internal-transfers-api
  name: Qonto Internal Transfers API
  tags:
  - Internal Transfers
  - Accounts
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.qonto.com/api-reference/business-api/payments-transfers/internal-transfers/create-an-internal-transfer
  baseURL: https://thirdparty.qonto.com/v2
  properties:
  - url: https://docs.qonto.com/api-reference/business-api/payments-transfers/internal-transfers/create-an-internal-transfer
    type: APIReference
  - url: openapi/qonto-openapi.yml
    type: OpenAPI
  - url: collections/qonto.postman_collection.json
    type: PostmanCollection
  description: Move funds between the organization's own Qonto bank accounts.
- aid: qonto:qonto-cards-api
  name: Qonto Cards API
  tags:
  - Cards
  - Virtual Cards
  - Physical Cards
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.qonto.com/api-reference/business-api/cards/list-cards
  baseURL: https://thirdparty.qonto.com/v2
  properties:
  - url: https://docs.qonto.com/api-reference/business-api/cards/list-cards
    type: APIReference
  - url: openapi/qonto-openapi.yml
    type: OpenAPI
  - url: collections/qonto.postman_collection.json
    type: PostmanCollection
  description: Issue single or bulk virtual and physical cards, set and update limits, lock/unlock, discard, report lost/stolen,
    manage options and restrictions, and retrieve a card iframe URL.
- aid: qonto:qonto-client-invoices-api
  name: Qonto Client Invoices & Quotes API
  tags:
  - Invoicing
  - Accounts Receivable
  - Quotes
  - Credit Notes
  - Factur-X
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.qonto.com/api-reference/business-api/expense-management/client-quotes-notes/client-invoices/list-client-invoices
  baseURL: https://thirdparty.qonto.com/v2
  properties:
  - url: https://docs.qonto.com/api-reference/business-api/expense-management/client-quotes-notes/introduction-factur-x
    type: Documentation
  - url: openapi/qonto-openapi.yml
    type: OpenAPI
  - url: collections/qonto.postman_collection.json
    type: PostmanCollection
  description: Create, finalize, send, and manage client (customer) invoices, quotes, and credit notes, including bulk import,
    e-invoicing dispatch, and Factur-X PDF generation. Manage clients (customers) and products.
- aid: qonto:qonto-supplier-invoices-api
  name: Qonto Supplier Invoices API
  tags:
  - Invoicing
  - Accounts Payable
  - Attachments
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.qonto.com/api-reference/business-api/expense-management/supplier-invoices/list-supplier-invoices
  baseURL: https://thirdparty.qonto.com/v2
  properties:
  - url: https://docs.qonto.com/api-reference/business-api/expense-management/supplier-invoices/list-supplier-invoices
    type: APIReference
  - url: openapi/qonto-openapi.yml
    type: OpenAPI
  - url: collections/qonto.postman_collection.json
    type: PostmanCollection
  description: Bulk-create, list, retrieve, and mark supplier (vendor) invoices as paid or rejected, and attach supporting
    documents to transactions.
- aid: qonto:qonto-sepa-direct-debit-api
  name: Qonto SEPA Direct Debit API
  tags:
  - SEPA Direct Debit
  - SDD
  - Collections
  - Mandates
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-direct-debit/introduction
  baseURL: https://thirdparty.qonto.com/v2
  properties:
  - url: https://docs.qonto.com/api-reference/business-api/payments-transfers/sepa-direct-debit/introduction
    type: Documentation
  - url: openapi/qonto-openapi.yml
    type: OpenAPI
  - url: collections/qonto.postman_collection.json
    type: PostmanCollection
  description: Collect EUR payments from customers via SEPA Direct Debit - manage mandates, one-off collections, and recurring
    subscriptions.
- aid: qonto:qonto-payment-links-api
  name: Qonto Payment Links API
  tags:
  - Payment Links
  - Checkout
  - Getting Paid
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.qonto.com/api-reference/business-api/payments-transfers/payment-links/introduction
  baseURL: https://thirdparty.qonto.com/v2
  properties:
  - url: https://docs.qonto.com/api-reference/business-api/payments-transfers/payment-links/introduction
    type: Documentation
  - url: openapi/qonto-openapi.yml
    type: OpenAPI
  - url: collections/qonto.postman_collection.json
    type: PostmanCollection
  description: Connect a payment links provider and create, list, and deactivate secure customizable payment links, with available
    payment methods and per-link payments.
- aid: qonto:qonto-terminals-api
  name: Qonto Terminals API
  tags:
  - Terminals
  - In-Person Payments
  - POS
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.qonto.com/api-reference/business-api/terminals/introduction
  baseURL: https://thirdparty.qonto.com/v2
  properties:
  - url: https://docs.qonto.com/api-reference/business-api/terminals/introduction
    type: Documentation
  - url: openapi/qonto-openapi.yml
    type: OpenAPI
  - url: collections/qonto.postman_collection.json
    type: PostmanCollection
  description: Push payments from your POS system directly to physical Qonto payment terminals and retrieve terminal payment
    status.
- aid: qonto:qonto-webhooks-api
  name: Qonto Webhooks API
  tags:
  - Webhooks
  - Events
  - Real Time
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.qonto.com/api-reference/business-api/webhooks/overview
  baseURL: https://thirdparty.qonto.com/v2
  properties:
  - url: https://docs.qonto.com/api-reference/business-api/webhooks/overview
    type: Documentation
  - url: https://docs.qonto.com/api-reference/business-api/webhooks/supported-webhooks/v1-transactions
    type: APIReference
  - url: openapi/qonto-openapi.yml
    type: OpenAPI
  - url: collections/qonto.postman_collection.json
    type: PostmanCollection
  description: Create, list, update, and delete webhook subscriptions to receive real-time signed HTTP callbacks for transactions,
    cards, invoices, SEPA Direct Debit, payment links, terminals, memberships, and consent revocations.
- aid: qonto:qonto-onboarding-api
  name: Qonto Onboarding API
  tags:
  - Onboarding
  - KYC
  - Company Creation
  - Partners
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.qonto.com/get-started/onboarding-api/overview
  baseURL: https://thirdparty.qonto.com
  properties:
  - url: https://docs.qonto.com/api-reference/onboarding-api/endpoints/registrations/create-a-registration
    type: APIReference
  - url: openapi/qonto-openapi.yml
    type: OpenAPI
  - url: collections/qonto.postman_collection.json
    type: PostmanCollection
  description: Partner-facing API to create and track organization registrations (including company creation flows), upload
    and manage KYC files, and subscribe to onboarding webhook events.
- aid: qonto:qonto-embed-sdk-api
  name: Qonto Embed SDK & Hosted Pages API
  tags:
  - Embedded Finance
  - Embed SDK
  - Hosted Pages
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.qonto.com/api-reference/business-api/endpoints/embed-auth-links/introduction
  baseURL: https://thirdparty.qonto.com/v2
  properties:
  - url: https://docs.qonto.com/api-reference/sdk-libraries/doc-pages/overview
    type: Documentation
  - url: https://docs.qonto.com/api-reference/business-api/endpoints/encoded-requests/introduction
    type: APIReference
  - url: openapi/qonto-openapi.yml
    type: OpenAPI
  - url: collections/qonto.postman_collection.json
    type: PostmanCollection
  description: Create Embed Auth Links to authenticate end customers into Qonto Hosted Pages and proxy encoded API requests
    dispatched by the Embed SDK for embedded banking experiences.
common:
- 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
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com