# Qonto

**Canonical:** https://apis.io/providers/qonto/  
**Website:** https://qonto.com/  
**APIs profiled:** 1

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.

## Kin Score — 73.3 / 100 (exemplar)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (-0.5 from 73.8).

| Facet | Score |
|---|---|
| Discoverability | 70.4 |
| Contract Quality | 63.0 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 84.2 |
| Developer Ergonomics | 75.6 |
| Commercial Clarity | 86.8 |
| Access Clarity | 86.8 |

Regulatory layer — **Banking & Open Finance**: 74.7 (matched via tags).

## Agent readiness — 41.9 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | verified |
| Auth Clarity | bearer |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | documented |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (13)

- **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 OAuth API** — The OAuth API from Qonto — 1 operation(s) for oauth.
- **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 Transactions & Statements API** — The Transactions & Statements API from Qonto — 3 operation(s) for transactions & statements.
- **Qonto Webhooks API** — The Webhooks API from Qonto — 2 operation(s) for webhooks.

## MCP servers (1)

- **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 ...

## Agentic access (1)

- **Qonto Agentic Access** — 33 operations · 16 acting · 7 human-in-the-loop

## Security (4)

- **Qonto Authentication** — apiKey/oauth2/mtls · 3 schemes
- **Qonto Domain Security** — TLSv1.3 · HSTS · DMARC
- **Qonto Vulnerability Disclosure** — security.txt · contact published
- **Qonto Trust Center** — GDPR

## Plans (1)

- **Qonto Plans Pricing**

## Tags

Business Banking, Neobank, Fintech, Payments, SEPA, Open Banking, EUR, Europe

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/qonto/). Scores are computed from the provider's own public artifacts under a published rubric.