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What activities are prohibited at Qonto?

Companies primarily engaged in the following industries ( not limited ) are not allowed to open a Qonto account: Accessibility diagnosis (Ad'Ap) Activities related to the sale of products based on cannabis or its derivatives (leaves, flowers, resin, CBD, HHC) with a THC content of more than 0.3% for the companies in France and 0.2% for the companies in Germany, Italy and Spain or not indicated. Activities related to the mining industry Activities related to Energy Efficiency Certificates (CEE) or issuing carbon credits Any illegal activity Auction houses, artwork Selling Cartomancy, fortune-telling, clairvoyance, astrology, tarology Casinos and gambling and any participation to online raffle draws Factoring, Debt collection activities Financial/fiscal agent activity if not registered with a regulator Holding a marketplace Hunting, trapping and related service activities Insurance brokerage activity if not registered with an administration Management of funds, portfolio, and collective investments if not registered with a regulatory authority. Military activities, including the sale of weapons, military vehicles, and their copies Mining, staking, creation and/or marketing of NFTs, blockchain development, development of wallets (hot & cold wallets), decentralised exchange, PSAN activity without registration. Money transfer platforms, remittance services, P2P ( "peer-to-peer" or "person-to-person " ) payment services Online and in-store sales of industrial or cosmetic chemicals. Online and in-store sale, import, and export of protein powders and food supplements that don't comply with European regulations and anti-doping recommendations Online and in-store sale of medicines, including their import-export Online file sharing Sale of mobile SIM cards and top-up cards Sex (pornography, sex toys, escorting, prostitution) Sale of goods/services that may harm, or damage the image, honor, or reputation of others Striptease clubs, nightclubs Tobacco or smoking products (e-liquids) Trading/brokerage platform or any activity related to currencies, precious metals, gemstones, other products, securities Unlicensed payment services (crowdfunding, crowdlending, marketplace) 💡 In some cases, additional information may be requested. Our teams will contact you to review your activity.

https://help.qonto.com/en/articles/4929901-what-activities-are-prohibited-at-qonto

Can any organization open a Qonto account?

The Qonto current account is currently available to French , Italian , Spanish and German companies formed with the following legal entities : 🇫🇷 SA ('Société Anonyme') SAS ('Société par Actions Simplifiée') SASU ('Société par Actions Simplifiée Unipersonnelle') SARL ('Société à Responsabilité Limitée') SC & SCI ('Société civile') EURL ('Entreprise Unipersonnelle à Responsabilité Limitée') EIRL (Entreprise Individuelle à Responsabilité Limitée) EI (Entreprise Individuelle) Affaire Personnelle Profession Libérale (Independent occupations) Micro-Entreprise (Sole Traders or Micro-Company) Declared association ('Association Enregistrée') Holding (an organization who owns control of a small group of other companies) - see below 🇮🇹 S.s. (Società Semplice) S.a.s. (Società in Accomandita Semplice) S.n.c. (Società in Nome Collettivo) S.r.l. (Società a responsabilità limitata) S.r.l.s. (Società semplificata a responsabilità limitata) S.p.A. (Società per Azioni) S.a.p.a. (Società in Accomandita per Azioni) Impresa Individuale (a K-bis is needed) Libero Professionista and Lavoratore Autonomo Studio associato e società di professionisti Cooperativa Associazione 🇪🇸 Empresario Individual (Autónomo) / Autónomo Societario Emprendedor de Responsabilidad Limitada Entidades permanentes no residentes en España (NIF W) Sociedad Anónima Sociedad Anónima Laboral Sociedad de Responsabilidad Limitada Sociedad de Responsabilidad Limitada Laboral Sociedad Limitada Nueva Empresa Sociedad Limitada de Formación Sucesiva Sociedad Colectiva Sociedad Comanditaria por Acciones Sociedad Comanditaria Simple Sociedad Profesional 🇩🇪 Sole traders (e.K./e.Kfm/e.Kfr) Freelancers (e)GbR GmbH GmbH i.G . gGmbH gGmbH i.G. UG UG i.G. gUG gUG i.G. AG AG & Co KG GmbH & Co. KG UG & Co. KG oHG GmbH & Co. oHG AG & Co oHG KG KGaA Companies that are not yet registered (available in France and Germany only): If your company is not registered yet, please note that you can open a Qonto account and proceed with your initial capital deposit with us (except for SCI). As a reminder, sole traders, as well as micro-enterprises , are not required to go through a deposit capital process, since these organizations are already registered in their own name. Foreign companies: Foreign companies which are registered in France, Italy, Spain or Germany are allowed to open a Qonto account if the headquarter is based in one of those four countries. Holding companies: Existing French holding companies, both active or passive, are fully allowed to open a Qonto account 100% online, in a few minutes. Prohibited activities on Qonto: Companies primarily engaged in the following industries are not allowed to open a Qonto account : Accessibility diagnosis (Ad'Ap) Activities related to the sale of products based on cannabis or its derivatives (leaves, flowers, resin, CBD, HHC) with a THC content of more than 0.3% for the companies in France and 0.2% for the companies in Germany, Italy and Spain or not indicated. Activities related to the mining industry Activities related to Energy Efficiency Certificates (CEE) Any illegal activity Auction houses, artwork Selling Cartomancy, fortune-telling, clairvoyance, astrology, tarology Casinos and gambling Factoring, Debt collection activities Financial/fiscal agent activity if not registered with a regulator Holding a marketplace Insurance brokerage activity if not registered with an administration Management of funds, portfolio, and collective investments if not registered with a regulatory authority. Military activities, including the sale of weapons, military vehicles, and their copies Mining, staking, creation and/or commercialization of NFTs, blockchain development, development of wallets (hot & cold wallets), decentralized exchange, PSAN activity without registration. Money transfer platform, remittance service, P2P ( "peer-to-peer" payment service) Online and in-store sales of industrial or cosmetic chemicals. Online and in-store sales of protein powders, dietary supplements, and medicines Online file sharing Sale of mobile SIM cards and top-up cards Sex (pornography, sex toys, escorting, prostitution) Sale of goods/services that may harm, or damage the image, honor, or reputation of others Tobacco or smoking products (including THC, CBD, and eCig) Trading/brokerage platform or any activity related to currencies, precious metals, gemstones, other products, securities Unlicensed payment services (crowdfunding, crowdlending, marketplace)

https://help.qonto.com/en/articles/4359533-can-any-organization-open-a-qonto-account

How does Qonto x Zapier work?

Zapier is an automation tool online that allows you to connect your Qonto account with your favorite apps: Gmail, Mailchimp, Airtable, your financial tools and much more. Qonto has developed an integration with Zapier to automate your business processes in a simple and accessible way. How to set up the integration of Zapier with Qonto ? You can connect your Qonto account with Zapier in just a few clicks: Go to your Zapier account Look for your favorite app, Qonto Enter your Qonto credentials and select the name of your organization Finally, allow Zapier to access your account by clicking on Allow access ☝️ Good to know: We may need some time to set up the update for this new connection. With the 2.0 version of the app, you can import transactions attachments 2.0 in beta directly from the marketplace Qonto connect. How to initiate a transfer with Zapier? With Zapier, you can also initiate transfers, to an external account, but also between your Qonto current accounts. To protect your account, we have added the strong customer authentication system, which is the same as on your Qonto app. This system generates a push notification on your mobile to validate your transfer. To avoid validating your transfers manually every time, we recommend you to trust your beneficiaries beforehand. To do so, please visit this page and follow the steps. You can also do this from the API . Ready ! You can automate your transfers on Zapier. 🎉 For further information about Zapier, visit their help center !

https://help.qonto.com/en/articles/4616236-how-does-qonto-x-zapier-work

How does pagoPA work on Qonto?

With Qonto you can make your pagoPA payments simply, quickly and securely. The payment made with pagoPA on Qonto has a release effect for the user , both of the payment made and of the underlying debt position. When a payment is made with pagoPA, the system verifies the actual existence of the debt , updates the amount (in the case of arrears, for example, and finally communicates the payment to the Public administration. For this reason, pagoPA payments processed via Qonto are 100% valid. PagoPA costs per plan: Basic: €1 for each payment Smart and above: 10 operations included per month and then €1 for each additional payment This debit method is valid from 09/01/2023. How do I process a pagoPA payment from the App? To process a pagoPA payment, go to the Business Account section and select pagoPA from the drop-down menu, click on Make a new payment , enter the notice number and the tax code of the creditor body that you find in the payment notice and let yourself be guided by the procedure. ​ ☝🏻Good to know: in order to help you fill in the required details, we have inserted an example of pagoPA payment advice that you can check while filling in the form, to make the payment process even easier! Can I pay pagoPA using my Qonto debit card? Yes. You can use your Qonto cards to pay on any other pagoPA-enabled channel, but keep in mind that now you can pay PagoPA on Qonto, directly debiting your account. If I make an incorrect payment, can I cancel the payment? pagoPA does not allow incorrect payments because it checks the existence of the debt position and its consistency at the time of payment. If for any reason the user needs to cancel a payment paid with pagoPA, he can request a refund from the Ente Creditore (the creditor), which can be made via pagoPA (reversal of the operation) within the same day. If the request is made later, the Creditor can provide for the reimbursement with other instruments. Can I pay with pagoPA on my Qonto mobile app? Certainly! You can find all the information on this feature by visiting the dedicated article How does pagoPA work on the Qonto mobile app? Why can't I find the postal bulletin in the payment slip that I received? Not all PA institutions can receive payments by postal order, as not all have a postal current account, nor are they obliged to have one. What happens if I pay the same tax twice? Double payment with pagoPA is not possible. pagoPA does not allow incorrect payments because it checks the existence of the debt position and its consistency at the time of payment. In the event that a tax has been paid with pagoPA and also outside it (for example through an F24, if the Creditor Body permits it), the citizen must request reimbursement from the Creditor. The reimbursement can be made by pagoPA (reversal of the operation) within the same day of the payment made using pagoPA. If the request is made later, the Creditor will have to provide for the reimbursement with other instruments. How do I report an incorrect payment? PagoPA does not allow incorrect payments because it checks the existence of the debt position and its consistency at the time of payment. In the event that a tax has been paid with pagoPA and also outside it (for example through an F24, if the Creditor Body allows it), the citizen can report it to the Creditor Body with the tools made available. The reimbursement can be made by pagoPA (reversal of the operation) within the same day of the payment made using pagoPA. If the request is made later, the Creditor will have to provide for the reimbursement with other instruments. Can I pay the wrong amount? PagoPA does not allow incorrect payments because it checks the existence of the debt position and its consistency at the time of payment.

https://help.qonto.com/en/articles/6984861-how-does-pagopa-work-on-qonto

I received an email informing me that the use of the Qonto account is subject to particular conditions: what does this mean?

For certain activities, the use of the Qonto account is allowed only if specific conditions are met , such as: Registration with certain professional registers, control registers of various Ministries and the Bank of Italy, obtaining specific licences, and, above all, that the Qonto account is not used to process transactions on behalf of third parties. Businesses that are required to comply with these conditions must include the following activities in their business purpose: Monetary intermediation; Financial services activities (excluding pension funds); Credit activities; Real estate brokerage activities; Foreign exchange brokerage activities; Insurance; Pension funds; Auxiliary activities of financial services (management of financial markets, financial consultancy); Activities of insurance agents and brokers; Fund management activities. If your business includes these activities: You will be able to receive transfers for the work activity you carry out: these funds can be used for normal administrative transactions (e.g., payment of salaries, payment of suppliers, payment of utilities and/or living expenses). However, you will not be able to reinvest these funds on behalf of third parties or use them for all those activities not authorized by our Payment Institution. 💡 For example: if you are a financial consultant, you can invoice for your consultancy services, but you cannot reinvest these funds on behalf of third parties.

https://help.qonto.com/en/articles/6951144-i-received-an-email-informing-me-that-the-use-of-the-qonto-account-is-subject-to-particular-conditions-what-does-this-mean

How does Qonto x Make (ex-Integromat) work?

With more than 500 connected apps, Make is an advanced online automation tool. Scenarios are unlimited, so you can go even further. Qonto has developed an integration with Make to automate your financial processes. How to set up the integration of Make with Qonto ? You can connect your Qonto account with Make in just a few clicks: Go to your Make account Look for your favorite app, Qonto Enter your Qonto credentials and select the name of your organization Finally, allow Integromat to access your account by clicking on Allow access ☝️ Good to know: We may need some time to set up the update for this new connection. How to initiate a transfer with Make ? With Make, you can also initiate transfers, to an external account, but also between your Qonto current accounts. To protect your account, we have added the strong customer authentication system, which is the same as on your Qonto app. To avoid validating your transfers manually every time, you can trust your beneficiaries beforehand : Please, visit this page and follow the steps. You can also do this steps from the API . Ready ! You can then automate your transfers on Make. 🎉 For further information about Make, visit their Help center !

https://help.qonto.com/en/articles/4616257-how-does-qonto-x-make-ex-integromat-work

My company has a legal entity as a shareholder. Who are the beneficial owners?

It's possible that a legal entity owns shares in your company. This FAQ explains how to identify and declare your beneficial owners when they include one or more legal entities. As a reminder: Who is considered a beneficial owner in a limited company ( società di capitali )? In limited companies ( società di capitali ), the term ‘beneficial owner’ refers to an individual person who owns more than 25% of the capital. Alternatively, it may refer to any individual person who possesses enough votes to influence a shareholder meeting, or who has administrative or management powers. Who is considered a beneficial owner in a partnership ( società di persone )? In partnerships ( società di persone ), the term ‘beneficial owner’ refers to any company shareholder, regardless of their type of shares and their percentage of capital participation. Who is considered a beneficial owner in a co-operative company ( società cooperativa )? In co-operative companies ( società cooperativa ), the term ‘beneficial owners’ refer to its President and Vice President. During the company registration phase, you must declare who the beneficial owners of your company are. There are two types of ownership: Direct ownership We consider beneficial owners with direct ownership to be the internal beneficial owners of the company. Normally, they are shareholders in the company. Indirect ownership We consider beneficial owners with indirect ownership to be those individual persons who are beneficial owners of the company through a legal entity that holds company shares. How to declare my beneficial owners if my company is owned by a legal entity? If your company’s shares are owned by a legal entity (or multiple legal entities), you must declare all the beneficial owners (i.e. the individual persons) of all the legal entity(ies). You must specify that those individuals are beneficial owners of your company with indirect ownership. It could also be the case that there’s another legal entity (or entities) that holds shares in the legal entity that owns shares in your company: in this specific case, you must name all individual persons who serve as beneficial owners of all the entity(ies) in the ownership chain . These individuals will be classified as beneficial owners of your company with indirect ownership . On the other hand, if there are beneficial owners directly within your company, you must declare them as beneficial owners with direct ownership.

https://help.qonto.com/en/articles/8272068-my-company-has-a-legal-entity-as-a-shareholder-who-are-the-beneficial-owners

List of the documents required to open a Qonto account

Below you will find a table summarising the documents required to open an account with us, who are the beneficial owners and who we need to register based on the different legal forms: Legal form: Documents needed: We need the documents of: SRL, SRLS, SPA, SAPA ( corporation = società di capitali ) No company-related documents are required. *️⃣ The legal representative; Who owns more than 25% of the shares; SAS, SS, SNC ( partnership = società di persone ) No company-related documents are required. *️⃣ The legal representative; All the shareholders present in the Visura Camerale (regardless of the % of the share owned); Associations Visura Camerale dated no more than 3 months OR Association's Statute signed and stamped by the Revenue Agency; Constitutional Deed ( Atto Costitutivo) signed and stamped by the Revenue Agency. Certificate of Fiscal code assignment signed and stamp by the Revenye Agency; Minutes ( Verbale ) if the roles aren't specified A minimum of 3 members to be registered: President (usually corresponding to the Legal Representative); Vice President; Secretary . (If present, we should also register in the account the Treasurer) ​ Cooperative Visura Camerale dated no more than 3 months A minimum of 3 members have to be present in the Visura. We need the documents of: President ; Vice President ( only if this role is present in the Visura). Foundations Registration to the RUNTS; The constitutional deed (atto costitutivo) ; The Foundation Bylaw ( statuto ); The Certificate of Fiscal code assignment and Fiscal Code The list of beneficial owners (you can find the form to fill here ). Founders (while still alive); Beneficiaries (when identified or easily identifiable; Individuals who hold managerial and administrative roles. Impresa o imprenditore individuale No company-related documents are required. *️⃣ Owner of the organisation ( Legal Representative) Freelancer and Self-Employed (sole proprietorship) The Certificate of Fiscal code assignment and Fiscal Code signed and stamped or the digital version; alternatively the declaration of commencement of activity, data change or cessation of activity for VAT purposes. Owner of the business. Physical person Visura camerale accompanied by the official certificate of VAT number assignment. Business owner *️⃣ If your business is not listed among the options during registration, we may request the Chamber of Commerce registration document.

https://help.qonto.com/en/articles/7860161-list-of-the-documents-required-to-open-a-qonto-account

Why does Qonto need to identify the beneficial owners of my Italian company?

Qonto is a payment institution supervised by the Bank of France and operates in Italy through a branch supervised by the Banca d'Italia. In compliance with customer due diligence obligations and the provisions of Italian Legislative Decree No. 90/2017 , Qonto is required to identify the ultimate beneficial owners who directly or indirectly control or own your company. ☝️ If your company is a partnership (Società di persone S.s. - S.a.s. - S.n.c.) The ultimate beneficial owners are all the partners (as owners), regardless of the type of share held (e.g. limited or general partner - socio accomandante o accomandatario) and regardless of the percentage of participation in the capital. The percentage of participation in the capital is in fact only applicable to corporations and not to partnerships company. If your company is a corporation (Società di capitale S.p.a. - S.a.p.a. - S.r.l. - S.r.l.s.) The ultimate beneficial owners are the physical persons who hold more than 25% of the capital of your company. 🔎 If more than 25% of your company's capital is held by a person who is not a physical person, the ultimate beneficial owner will be, going back up the chain of ownership, the physical person or persons who ultimately hold these holdings. In other cases, ultimate beneficial owners are those who exercise control over your company and have a dominant influence, or have powers of administration or management of the company (regardless of the percentage shareholding). In the case that is not possible for us to identify the beneficial owners of your company, unfortunately will not be possible to proceed with the finalization of your registration. In fact, in accordance with anti-money laundering regulations, only after a proper verification of the identity of the beneficial owner will it be possible to proceed with the opening of the account and grant you full access to its functions. 🚀 ⚠️ IT IS IMPERATIVE TO DECLARE A BENEFICIAL OWNER FOR CORPORATIONS. In the event that we could not identify at least one beneficial owner for your company, we will ask you to complete this statement in which you declare the beneficial owner(s) yourself. Declaration of beneficial owners.pdf

https://help.qonto.com/en/articles/5505360-why-does-qonto-need-to-identify-the-beneficial-owners-of-my-italian-company

How does the Qonto x Dropbox integration work?

Qonto offers two different connections with Dropbox. Depending on your needs, you can : Export your receipts from Qonto to Dropbox Import your receipts from Dropbox to Qonto How to set up the integrations ? From the Qonto web-app, go to the Integrations and Partnerships section and click on the Dropbox integration you wish to set up. Simply click Connect in the top right of the page and follow these steps: Select the Dropbox account you want to use Once logged in, authorize Qonto to sync your data with Dropbox by clicking on Continue For Qonto to Dropbox only : select the date and time from which you would like to begin syncing your receipts; you may select an earlier date or today’s date click the “✓” button Finally, click Finish… and you’re done 🎉 ☝️ Good to know : You can connect several Qonto accounts to the same Dropbox account. 1- Qonto →Dropbox This integration is available for every Qonto client, no matter the plan you have (Connect). All account owners and administrators can set up this integration with Dropbox. When you add your receipts to Qonto, they are automatically stored and filed by date on your Dropbox account, so you always have a backup. No more forgetting to export your receipts: your receipts are synced with Dropbox daily Easier access to all your documents: your receipts are automatically imported and filed by date in a specified folder, for all your current accounts Secure file sharing: provide flexible access to specific files and folders, according to your needs To take full advantage of this integration, make sure your storage capacity in Dropbox is sufficient for exporting your receipts. To verify your storage capacity, read this page . How to use the folder created in my Cloud Storage solution? A Qonto Connect folder will be created and divided into sub-folders by current account and by time period. You can also access this folder from the “Helpful links” section created on the Connect page of Dropbox. When are my receipts exported into Dropbox ? The receipts already associated with your Qonto account will be exported immediately once the integration has been configured; any new receipts uploaded to Qonto will be exported automatically once a day at 11:30 pm. If you open a new current account in Qonto after configuring the integration, a new folder will automatically be created in your storage space. What happens if I delete a file or folder in my Dropbox account? If you delete a file, it will be imported back into your Dropbox account automatically. If you delete a folder, however, the receipts it contains will be deleted from your Dropbox account: Any new receipts that you upload to Qonto for the specific period or current account will be exported as usual. To retrieve the files deleted from your Dropbox account, you will need to reconfigure the integration. 2- Dropbox → Qonto This integration is available from the Smart plan and above ( Connect Plus). All account owners and administrators can set up this integration with Dropbox. Your supplier's invoices from a dedicated Dropbox file will be matched and attached automatically to your transaction in your Qonto app. Keep an eye on supplier invoices to be paid: View pending invoices in a flash. Prepare for upcoming deadlines and schedule your payments. Let your accountant take it from there: Once paid, your supplier invoices are matched with the right transactions. Everything’s ready for your accountant to review. To know more about the Supplier’s invoice feature, please read this article . How to use the folder created in my Cloud Storage solution? A Qonto Connect -Import folder will be created and divided into four sub-folders: A Dropzone folder into which you can drag and drop new receipts for your expenses. A Processing folder to which receipts are stored, awaiting to be matched to a Qonto transaction. A Matched folder where you will find receipts matched with a Qonto transaction. An Unsupported folder into which files larger than 15MB are placed, as well as files not in a JPEG, PNG, and PDF format. Every three hours , files in the Dropzone and Processing folders will be synchronized with your Qonto transactions. Which files can be processed by the integration? For your supplier invoices to be matched with the right Qonto transactions: place them in the Dropzone folder. Your files must fit the following size and format criteria: The size needs to be less than 15MB. The format needs to be either JPEG, PNG, or PDF. Only those receipts or invoices corresponding to purchases will be processed. Invoices issued by you will never be paired with a transaction and will remain stored in the processing folder. ☝️ Good to know : It’s not possible to match several supplier invoices to a single transaction using the Dropbox → Qonto integration. If several supplier invoices are uploaded for the same transaction, only one will be matched. Any additional attachments will remain stored in the processing folder. Several supplier invoices can be included in the same file, as long as the size of the file is below 15MB. What happens if I delete a file or folder in my Dropbox account? If you delete a file in one of the folders created by the integration, or one of the folders, the integration won’t be able to work properly. You will need to uninstall and reinstall the integration to keep on using it. To uninstall the integration, simply click Connected in the top right of the Connect Dropbox page in the web application and follow these simple steps: Click on Disconnect Dropbox → Qonto Click again on Disconnect Dropbox → Qonto ☝️ Good to know : This action won’t affect supplier invoices already matched with your Qonto transactions. How much of my Qonto account data will Dropbox have access to? We will not share any of your data with Dropbox without your express consent, which you may revoke at any time with a few clicks to stop sharing your data. Without your express consent, we are unable to ensure the proper function of the integration.

https://help.qonto.com/en/articles/6389643-how-does-the-qonto-x-dropbox-integration-work

How does the Cegid Loop integration work?

With receipts and invoices automatically exported into Cegid Loop, closing your clients’ books has never been faster. What does integrating with Cegid Loop offer? Automatically transfer receipts, both paid and unpaid invoices from Qonto to Cegid Loop daily at 8 PM UTC: Each day , your client’s Qonto account is scanned for new receipts and invoices. These attachments seamlessly appear in the Robot Comptable document deposit section within your Cegid Loop account. Cegid Loop conveniently pre-populates your customer’s accounting journals with the necessary details. Who is eligible for this integration? The integration process can be initiated by all account holders, admins, and those in reporting roles . However, completion of the setup requires certified public accountants who have access to essential integration details (Cegid Loop API key, API secret). 👉 Important to know: This feature is only available for customers with a French IBAN for our Smart , Premium, Essential, Business and Enterprise packages. Click here to learn how your customer can upgrade to a higher plan. Setting up the Cegid Loop integration: First, ensure you have access to your customer’s Qonto account. If access is not yet granted, learn how to obtain it here . ​ From the Qonto web app, click on Integrations and Partnerships on the bottom left then Integrations . Search for Cegid Loop, select it, and then click "Connect" on the top right. Follow these steps for setup: Retrieve your API Key and API secret from CegidLife : If you're an admin, log into CegidLife, access your profile (icon on the top right), select "Clé API", and generate a new API key named, for instance, "Qonto". Remember, this information cannot be retrieved again , so save it carefully. Install the Qonto app within Loop Hub : Click the ➕ icon in Loop Hub, filling in the details as follows: Type: Partenaire Application: Qonto API Key: [Previously fetched API key] Choose either all client files or specific folders requiring the Qonto app. Create a new authentication , naming it “[Client name] x Qonto”, and input the API key and secret from Cegid Loop. Select the Cegid Loop client file for synchronization. If the file isn’t found, check whether you’ve added the Qonto app to this client file or if the API key was correctly entered. After clicking "Create" and then "Finish" , your integration is set. A file will be sent to your Cegid Loop account to confirm the integration's success, which might take a few minutes to appear. Troubleshooting: Not seeing Qonto files in Cegid Loop? If a file doesn’t appear within 24 hours, you'll need to reconnect the integration. Simply disconnect and then reconnect to Cegid Loop via the Qonto web app. 💡 Good to know: Only files in JPEG, PNG and PDF format will be exported to Cegid Loop. What about deleting files in Qonto or Cegid Loop? New attachments are synced with Cegid Loop at 8 PM UTC daily. After synchronization, deleting attachments in Qonto won’t affect those already in Cegid Loop.

https://help.qonto.com/en/articles/6952146-how-does-the-cegid-loop-integration-work

How does the Stripe x Qonto integration work?

Stripe ’s software and APIs allow businesses to accept payments and manage their businesses online. Stripe then pays out revenues directly into their customers bank accounts, including Qonto! Together with Stripe, we have built an integration between our solutions that helps save you a lot of time! How to set up the integration of Stripe with Qonto ? You can connect your Qonto account with Stripe it in just a few clicks: Log into your Stripe account and enter your Qonto IBAN, as shown in the screenshot below. Now, all you need to do is determine how often you want to receive your transfers/payments to your Qonto account! From your Qonto account : Go to the Integrations and Partnerships section, in your Qonto app interface on the bottom left, then Integrations section Click on Stripe , then on Connect Select your company in the dropdown Click on Accept Once redirected to Stripe, select the right Qonto account Click on Connect You are done, ready for effortless bookkeeping! ☝️ Good to know : It may take 24 to 72 hours for the document to be attached to the correct transaction. For now, it is only possible to connect one Stripe account to one Qonto account. Who can benefit from this integration? This feature is available for our Smart , Premium , Essential , Business and Enterprise packages. What action or automation can I do with this integration ? When Stripe sends a payout to a Qonto user, Qonto identifies the details of the payout, matches them with corresponding receipts (and invoices in case you use Stripe Invoicing or a similar solution) and correctly stores everything in the Qonto app. It is free, and helps you stay compliant as each transaction has to be justified! Qonto identifies orders within the Stripe payout Qonto fetches each receipt or invoice, for each order Qonto matches the right document with the right transaction Qonto displays the link to each document next to its transaction in the app in the History section This means that each document is automatically attached to the corresponding transaction in your Qonto app, without you having to do anything! This concerns transactions that were processed after the connection. For further information about Stripe, check out their Help Center .

https://help.qonto.com/en/articles/5339199-how-does-the-stripe-x-qonto-integration-work

How to connect Quipu to my Qonto account?

Quipu is the invoicing and accounting tool for SMEs and freelancers, which simplifies and automates your financial and accounting management. Connect Qonto with Quipu to manage your invoices and cash flow more easily. Automate your bank transactions, income and expenses, thanks to the integration of Qonto and Quipu. How to connect Quipu to Qonto? Log in to your Quipu account; Click on the Banks section; Select the + Add bank account button; Click on the Connect my bank button; At the bottom, you will find the Show all available banks button. Click on; Search for Qonto and select; Here you will be prompted for Qonto login credentials. - Go to your Qonto account and click on Settings icon - Then select API Key - Copy the login credentials (Sign-in and Secret Key) - Paste the login credentials (Sign-in and Secret Key) you have previously copied into Qonto. Done! Account connected.

https://help.qonto.com/en/articles/5759599-how-to-connect-quipu-to-my-qonto-account

How does PayFit x Qonto work?

Qonto and PayFit have developed a simple, fast, and secure connection to ease the salary payment of your employees. From the same platform, you can pay up to 400 salaries in one click. How to set up the integration of PayFit with Qonto? First, you need to connect your Qonto account to your PayFit account. From the Bank Transfer section of PayFit app, click on Connect to my Bank , enter your Qonto credentials and follow the steps. To know more about the account setup into the PayFit app, take a look at the PayFit dedicated article . How can I pay my employees? Qonto x PayFit allows you to pay your employees with your Qonto current account directly from PayFit. Go to the Bank transfer section of PayFit app Click on Pay salaries Validate the amount Enter your Qonto password, go through the security process and that's it! Who can benefit from this integration? Users with a Smart , Premium, Essential, Business or Enterprise plan can benefit from this integration and pay their employees' salaries from PayFit in a single click. ☝️ Good to know: You need to be Admin of both Qonto and PayFit accounts to authorize the payment. For further information about PayFit, visit their help center !

https://help.qonto.com/en/articles/4772309-how-does-payfit-x-qonto-work

How does Qonto x Notion work?

Notion is a productivity and collaboration tool that allows note-taking, data storage, document organization, and task automation. By connecting your Qonto account to Notion, you can create advanced financial dashboards and access your transaction information directly in Notion. How to set up the integration of Notion with Qonto ? Open your Qonto app on your computer and navigate to the Integrations and Partnerships section. Click on the Notion card . Use your Notion credentials to connect Notion with your Qonto account. Select the Notion page where Qonto will build your transaction database. How to use the integration ? Once the “Qonto Transactions” database is created in Notion, all your transactions will be synchronized every three hours. Here are some examples of what you can do with the integration: Easily analyze your transactions or share transaction details with your teammates. Enrich your database with additional elements to enhance your financial dashboards. Set up calculations, such as VAT calculation, to simplify your financial tasks. Create alerts or tracking mechanisms for specific transactions. ☝️ Good to know : Attachments and pending transactions cannot be retrieved in Notion. How to fix a transactions' synchronizing issue ? If your transactions are not synchronizing correctly on Notion, you can try disconnect and reconnect the integration. However, by doing so, you may temporarily lose access to your transactions. To resolve this, follow these options: Option 1: a. Disconnect the Notion integration b. From your Qonto app, go to Integrations and Partnerships , and set up a new Notion authentication connected to a new Notion page. Option 2: If you want to keep the same Notion page: a. Duplicate the current page where you want the transactions to appear. b. Delete the old page. c. Disconnect the integration. d. Reconnect with a new Notion authentication from Integrations and Partnerships and grant access to the newly generated page. By following these steps, you can successfully integrate Qonto with Notion and leverage the power of financial dashboards and transaction management. For further information about Notion, visit their Guides and Help Center !

https://help.qonto.com/en/articles/5954017-how-does-qonto-x-notion-work

How does Qonto x Slack work?

Slack brings communication and collaboration together in one place to improve productivity. Our team has developed a simple and secure connection to help you manage your finances directly from your Slack workspace. How to set up the integration of Slack with Qonto ? It's very easy to connect Slack to your Qonto account: Go to Integrations and Partnerships section from your Qonto app on the bottom left, then click on Integrations . Click on the Slack card to access the details, then on Connect , on the top-right corner Use your Slack credentials to connect with your Qonto account. Ready ! Slack is now connected to your Qonto account! 🎉 From the Settings section, you can choose the canal on which you want to get your notifications and create your balance and transactions alerts ☝️ Good to know: If you want to disconnect Slack from your Qonto account, it's also very easy! Click on the Connected button, in the top-right corner, and then on Disconnect Slack . Finally, confirm your choice. Who can benefit from this connection? Everyone! You just need to have a Qonto account and Slack. Besides, you can invite your team members (for example, those in charge of your finances) to join you on the Slack channel you chose, even if they don't have access to Qonto. This way, anyone can keep an eye on your finances, independently and in real-time. How can I manage my alerts? You can edit your alerts at any time, directly from your slack workspace. All you have to do is click on the top-right icon of your notification, and then on Manage my alerts . You can also edit the Slack channel you picked by simply clicking on Edit Slack channel in the Settings section. If you want to delete one of your alerts, go to the Settings section, under Balance and transactions alerts , select the alert you want to delete and click on Delete alert . For further information about Slack, visit their Help Center !

https://help.qonto.com/en/articles/4460189-how-does-qonto-x-slack-work

How to connect AGICAP to Qonto ?

AGICAP is a cashflow management tool. You can connect your Qonto account to AGICAP, in order to automate and improve the reliability of your cashflow management: Follow in real-time your incoming and outgoing payments from your Qonto account directly from your AGICAP app. Define your own categories and let AGICAP's AI categorize automatically all your transactions. Verify in real-time and on the same platform how your company is performing versus your cashflow forecasts. ☝️ Good to know: You cannot retrieve your transactions' attachments with the integration. How to set up the connection ? Open your AGICAP app and visit the Bank tab. Then click on Manage my banks then, Connect a bank . Fill in your Qonto credentials. Ready…the integration is now setup! 🎉 For further information about AGICAP, visit their resources page !

https://help.qonto.com/en/articles/5607041-how-to-connect-agicap-to-qonto

How does Qonto x Google Sheets work?

Google Sheets is an online spreadsheet app that lets you create and format spreadsheets. Qonto has developed an integration with Google Sheets to automatically send your transactions to your Google Sheets spreadsheet. How to set up the integration of Google Sheets with Qonto ? Simply go to the Integrations and Partnerships section in your Qonto app, click on the Google Drive integration and follow these simple steps: Select the Google account you wish to use to sync your transactions Once logged in, authorize Qonto to sync your data in Google Sheets by clicking Continue Select the date from which you would like to begin syncing your transactions; you may select an earlier date or today’s date Click Finish , your integration is ready! 🎉 A Qonto Connect spreadsheet will be created in your root folder, with a tab synchronizing your transactions. You can also access this spreadsheet from “Useful links” in the top right of your screen. ☝️ Good to know : The transactions already associated with your Qonto account will be synchronized immediately once the integration has been configured; any new transaction on your account will be synchronized the next day by 5AM. What happens if I edit the tab containing the transactions? Editing the tab Sync. Transactions - Do not edit will break the connection. If you want to modify some of your transaction information, you should create another tab in the spreadsheet and link it to the protected tab. Need help in using this integration? We’ll guide you step by step to leverage the export of your transactions into Google Sheets thanks to this dedicated article . How much of my Qonto account data will Google Sheets have access to? We will not share any of your data with Google Sheets without your express consent, which you may revoke at any time with a few clicks to stop sharing your data. For further information about Google Sheets, visit their Help center !

https://help.qonto.com/en/articles/6095025-how-does-qonto-x-google-sheets-work

How can I mark a payee as trustworthy?

With Qonto, you can not only easily transfer money through the app or your computer but also automate your payments using No-Code platforms like Zapier and Make, or directly through our API. This saves you valuable time and allows you to e fficiently manage payment processes for suppliers and employees or seamlessly organize cash flows between your accounts. Why adding trusted beneficiaries is important To ensure the security of your automatic transfers, we have introduced a strong authentication system that requires confirmation of each transfer via push notification on your smartphone. To bypass this step and save time , we recommend marking your regular payees as trusted. How to add trusted beneficiaries Open Qonto on your computer and navigate to Business Account → Transfers. When creating a transfer, you will find the option to manage your recipients in the menu. For existing recipients: Hover over the recipient, click on the three dots, and select "Mark as Trusted" . Confirm this step on your smartphone. For new recipients: Add the recipient and follow the process described above. Once you have set up your trusted recipients , you can plan and execute automatic transfers without interruption via Zapier, Make, and our API. 👉 Good to know: Recipients can also be marked as trusted via the Qonto API.

https://help.qonto.com/en/articles/5842209-how-can-i-mark-a-payee-as-trustworthy

How does OneDrive connect to Qonto?

Simplify Your Receipt Management with Qonto and OneDrive: Automatically import and archive your receipts in your personal OneDrive, where they are always ready to share. Here's how it works: Automatic Storage: Add receipts to Qonto and they will be directly secured in your OneDrive, sorted by date. Daily synchronization saves you from manual exporting. Easy Access: Your documents are stored in a special folder per business account and period, providing you with an organized overview. Secure Sharing: You decide who gets access to your files and folders. Setup in a Few Steps: In the "Integrations and Partners" section of your Qonto App, select OneDrive and click on "Connect" . Authenticate your personal OneDrive account and allow Qonto to synchronize. Determine from when your receipts should be synchronized. With a click on "Finish" , the setup is complete. 🎉 👉 Important to Know: This integration is intended for personal Microsoft 365 accounts. Such accounts can be identified by the endings @outlook.com/de or @hotmail.com/de. ​ Using the Integration Who? Account holders, administrators, and accountants with a Qonto and OneDrive account. When? Existing receipts are exported immediately ; new receipts daily at 11:30 PM. Storage Space: Ensure you have enough available space in your OneDrive. Data Privacy: Your data is only transmitted with your explicit consent , which can be revoked at any time. ☝ Good to Know: To optimally use the integration, make sure you have enough OneDrive* storage space for the exported receipts. You can visit this page to check your remaining storage space. If Files or Folders Are Deleted Deleted files are automatically re-imported into OneDrive. Deleting a folder removes the associated receipts. To restore deleted files, the integration must be reconfigured .

https://help.qonto.com/en/articles/6127209-how-does-onedrive-connect-to-qonto

How do I connect Indy to Qonto?

You can link your Qonto account to Indy directly to automate your accounting by exporting your receipts and transactions. How does the integration work? With the Qonto x Indy integration, your business receipts, expenses and attachments are added to your accounting and categorized automatically into their corresponding ledger accounts. Indy then pre-fills your VAT declarations and your balance sheet, which you can upload directly from the app. Your receipts are also retrieved and paired with their transactions so that your accounts are in order in the event of an audit. How to set up the integration? Open your Indy app Select Qonto from the list of available financial institutions to sync your account. On the login page, enter the same login information you use to login to the Qonto website or app. Agree to sync your transactions between Qonto and Indy... et voilà 🎉 Who can use the integration? All account owners, administrators and accountants can configure the Indy integration. All you need is a Qonto account and Indy. What data will be shared with Indy from my Qonto account? ☝️ Indy’s access is limited to your transactions only. We will not share your banking username or password. In addition, the platform is unable to charge any payments. We will not share any data with Indy without first obtaining your express authorization, which you may withdraw at any moment with a few clicks.

https://help.qonto.com/en/articles/6139108-how-do-i-connect-indy-to-qonto

How does the Qonto x Google Drive integration work?

Qonto offers two different connections with Google Drive. Depending on your needs, you can : Export your receipts from Qonto to Google Drive Import your receipts from Google Drive to Qonto How to set up the integrations ? From the Qonto web-app, go to the Integrations and Partnerships section and click on the Google Drive integration you wish to set up. Simply click Connect in the top right of the page and follow these steps: Select the Google Drive account you want to use Once logged in, authorize Qonto to sync your data with Google Drive by clicking on Continue For Qonto to Google Drive only : select the date and time from which you would like to begin syncing your receipts; you may select an earlier date or today’s date click the “✓” button Finally, click Finish… and you’re done 🎉 ☝️ Good to know : You can connect several Qonto accounts to the same Google Drive account. 1- Qonto →Google Drive This integration is available for every Qonto client, no matter the plan you have . All account owners, administrators, and accountants can set up this integration with Google Drive. When you add your receipts to Qonto, they are automatically stored and filed by date on your Google Drive account, so you always have a backup. No more forgetting to export your receipts: your receipts are synced with Google Drive daily Easier access to all your documents: your receipts are automatically imported and filed by date in a specified folder, for all your current accounts Secure file sharing: provide flexible access to specific files and folders, according to your needs To take full advantage of this integration, make sure your storage capacity in Google Drive is sufficient for exporting your receipts. To verify your storage capacity, read this page . How to use the folder created in my Google Drive? A Qonto Connect folder will be created and divided into sub-folders by current account and by time period. You can also access this folder from the “Helpful links” section created on the Google Drive page from you Qonto app. When are my receipts exported into Google Drive ? The receipts already associated with your Qonto account will be exported immediately once the integration has been configured; any new receipts uploaded to Qonto will be exported automatically once a day at 11:30 pm. If you open a new current account in Qonto after configuring the integration, a new folder will automatically be created in your storage space. What happens if I delete a file or folder in my Google Drive account? If you delete a file, it will be imported back into your Google Drive account automatically. If you delete a folder, however, the receipts it contains will be deleted from your Google Drive account: Any new receipts that you upload to Qonto for the specific period or current account will be exported as usual. To retrieve the files deleted from your Google Drive account, you will need to reconfigure the integration. 2- Google Drive → Qonto All account owners, administrators, and accountants can set up this integration with Google Drive. Your supplier's invoices from a dedicated Google Drive file will be matched and attached automatically to your transaction in your Qonto app. Keep an eye on supplier invoices to be paid: View pending invoices in a flash. Prepare for upcoming deadlines and schedule your payments. Let your accountant take it from there: Once paid, your supplier invoices are matched with the right transactions. Everything’s ready for your accountant to review. To know more about the Supplier’s invoice feature, please read this article . How to use the folder created in my Google Drive ? A Qonto Connect-Import folder will be created and divided into four sub-folders: A Dropzone folder into which you can drag and drop new receipts for your expenses. A Processing folder to which receipts are stored, awaiting to be matched to a Qonto transaction. A Matched folder where you will find receipts matched with a Qonto transaction. An Unsupported folder into which files larger than 15MB are placed, as well as files not in a JPEG, PNG, and PDF format. Every three hours , files in the Dropzone and Processing folders will be synchronized with your Qonto transactions. Which files can be processed by the integration? For your supplier invoices to be matched with the right Qonto transactions: place them in the Dropzone folder. Your files must fit the following size and format criteria: The size needs to be less than 15MB. The format needs to be either JPEG, PNG, or PDF. Only those receipts or invoices corresponding to purchases will be processed. Invoices issued by you will never be paired with a transaction and will remain stored in the processing folder. ☝️ Good to know : It’s not possible to match several supplier invoices to a single transaction using the Google Drive → Qonto integration. If many supplier invoices are uploaded for the same transaction, only one will be matched. Any additional attachments will remain stored in the processing folder. Several supplier invoices can be included in the same file, as long as the size of the file is below 15MB. What happens if I delete a file or folder in my Google Drive account? If you delete a file in one of the folders created by the integration, or one of the folders, the integration won’t be able to work properly. You will need to uninstall and reinstall the integration to keep on using it. To uninstall the integration, simply click Connected in the top right of the Google Drive page in the web application and follow these simple steps: Click on Disconnect Google Drive → Qonto Click again on Disconnect Google Drive → Qonto ☝️ Good to know : This action won’t affect supplier invoices already matched with your Qonto transactions. How much of my Qonto account data will Google Drive have access to? We will not share any of your data with Google Drive without your express consent, which you may revoke at any time with a few clicks to stop sharing your data. Without your express consent, we are unable to ensure the proper function of the integration.

https://help.qonto.com/en/articles/6066281-how-does-the-qonto-x-google-drive-integration-work

How does the Xero integration work?

Save yourself precious time by simplifying your bookkeeping: with Qonto, import all your transactions into Xero automatically. When you have new transactions in Qonto, they will be synced automatically into Xero at 11pm each night: No more tedious manual exports: your transactions are synched automatically with Xero daily. Ready to be used: your Qonto transactions are ready to be reconciled and analyzed to help you track your company expenses. ☝️ Keep in mind that attachments are not synced with this integration. If you need them in Xero, you will need to import them manually. How to set up the integration From the Qonto web app, go to the Settings icon on the bottom left of the page. Click on Integrations and Partnerships > Integrations , then search for Xero in the list of integrations. Once you are on the Xero page, simply click “Connect” in the top right of the web application screen and follow these steps: Click New authentication Enter an Authentication name of your choice; the name will be suggested to you if you decide to reconnect Xero to your Qonto account Click Create Authenticate with your Xero account information Once logged into Xero, select the Xero organization to sync with and authorize Qonto to sync your data in Xero If you have multiple organizations in Xero, in the dropdown, select the Xero organization you would like to sync with Finally, click Finish ... and you’re done. 🎉 Your integration is now ready. Your Qonto accounts will be created automatically in Xero within a few minutes. Your transactions will be synced in those newly created bank accounts. Any account you created manually in Xero will remain untouched by this integration. ☝️ Good to know: If you see Connected in the top right of the Connect Xero page, it means that a user’s Xero account is already synced. To change the Xero account linked to your Qonto account and connect your Xero account, just click on Connected and on Disconnect Xero. Then, set up the integration again by following the steps above. Please note that the synchronization of the previously connected Xero account will be stopped. Who can use the integration? All account holders, administrators and accountants can set up this integration with Xero. All you need is a Qonto and Xero account. When are my transactions imported into Xero? Any new transaction associated with your Qonto bank accounts will be synced automatically once a day at 11pm CET. If you open a new current account in Qonto after configuring the integration, it will be created automatically in Xero. What happens if I delete a transaction or a bank account in Xero? If you delete a Qonto transaction in Xero, this transaction won’t be synced again. If you delete a Qonto bank account in Xero, unless you deactivate this account in Qonto, we will create this account again in Xero. As long as the account is still active in Qonto, it may continue to receive transactions that need to be synced into Xero.

https://help.qonto.com/en/articles/6772764-how-does-the-xero-integration-work

How to connect Dext to Qonto?

🇫🇷 This article only applies to companies registered in France Dext has developed a connection with Qonto to ease the processing of transaction receipts. Attach your receipts to your Qonto transactions and they will be automatically imported to Dext. How does it work? Connect to your Qonto account Go to the Integrations and Partnerships on the bottom left section of your Qonto app interface, then Integrations . At the bottom of the page, in To Go Further , click on the link Build your own integration with our API . Generate a secret key in the API key section by clicking on Generate . This allows you to connect your Qonto account. Copy these two elements. ☝️Good to know: If you're an Accountant and cannot see the secret key of your client, please contact the Qonto account Admin to generate the secret key. Connect to Dext Go to your Dext account. In the navigation bar on the left, within the Connections menu, click on Costs . Select Qonto on the newly opened page. Paste the Qonto login and secret key and choose how many months of Qonto receipts you want to import to Dext. Click on Connect Qonto to finalize the connection. How to retrieve Qonto receipts on Dext? Attach your receipts to your Qonto transactions. To find out how to upload a receipt on Qonto, please visit 👉 our FAQ . Your Qonto receipts will be automatically added to Dext in the Inbox of the Costs section. ✌️Good to know: In case the receipts imported from Qonto to Dext have already been added, the duplicate receipts will be automatically merged into Archive or Inbox on Dext. Qonto is also connected to many other tools, to bring you the flexibility you need and allow you to go further in your finance management. Get the list of tools and discover how to connect them to your Qonto account in this article .

https://help.qonto.com/en/articles/4689893-how-to-connect-dext-to-qonto

How can I use the integration between Qonto and Comptalib?

Comptalib is an accounting tool for businesses and their professional accountants. Take advantage of the integration between Qonto and Comptalib on the Connect platform, and synchronize your Qonto transaction information with Comptalib automatically and securely. This will help you save time you would otherwise spend sending your information to your accountant through a manual export. How does the integration work? To take advantage of the integration, you will need a Comptalib account. If you haven’t already got one, enjoy one month free on a subscription to Comptalib by clicking 👉 this link . Start by retrieving your Qonto API login information: from your web app, click on Integrations and Partnerships on the bottom left, than API key . Copy and paste your login information Log in to your Comptalib application then go to the Settings tab Select the Banks tab, then click on the Qonto logo Paste your Qonto API login information and submit the form Your Qonto account is now synched, and your Qonto transaction information will be transferred to Comptalib automatically.

https://help.qonto.com/en/articles/5390833-how-can-i-use-the-integration-between-qonto-and-comptalib

How does the connection between JePilote and Qonto work?

JePilote is an invoicing and accounting tool for companies and their accountants. You can take advantage of the integration between JePilote and Qonto from the Connect platform to automatically and securely synchronize your Qonto transaction information with JePilote. This way you save time, as you do not need to forward your information to your accountant from a manual export. How does the integration work? To take advantage of the integration, you must have a JePilote Business or Pro account. If so, go to the JePilote web application. From the Banking module, click on the View account statements button. Then click on the plus button, then on Add a new synchronization . All you have to do is select Qonto from the proposed banks and enter your usual Qonto credentials. Once the integration is set up, the information of your transactions in Qonto will automatically go back to JePilote. ☝️ Good to know : The connection between JePilote and Qonto is made through the Budget Insight aggregator, which allows you to send your Qonto information in a fully secure way: The connection is protected by your Qonto credentials The data is encrypted, which means that no one can access your codes and data The connection is compliant with the European Payment Directive PSD2, for optimal protection

https://help.qonto.com/en/articles/5221435-how-does-the-connection-between-jepilote-and-qonto-work

How do I use the Qonto x Evoliz integration?

🇫🇷 This article only applies to companies registered in France. Evoliz is an accounting and invoicing tool for businesses and their professional accountants. Take advantage of the integration between Qonto and Evoliz on the Connect platform, and synchronize your Qonto transaction information automatically and securely. This will help you save time, as you would otherwise spend sending your information to your accountant through a manual export. How does the integration work? To take advantage of the integration, you will need an Evoliz account. If you already have an account, go to their web application. To connect your account statement: Open your Evoliz app and click on Données bancaires > Relevés bancaires in the left menu. Click on Nouveau relevé bancaire and select Qonto. You only have to add your Qonto login and password. To connect your supplier transfers: the integration is available through Libeo or Bridge by Bankin. With Bridge, all you have to do is fill in your Qonto credentials in Evoliz. With Libea, simply paste your API key in Evoliz. ☝️ Keep in mind : The connection between Evoliz and Qonto is made possible thanks to the Libeo or Bridge aggregators, completely secure solutions to send your Qonto information: The connection is protected by your Qonto login information Data are encrypted, which means no one can access your codes and data The connection complies with the EU directive on PSD2 payments, for optimum protection.

https://help.qonto.com/en/articles/5607031-how-do-i-use-the-qonto-x-evoliz-integration

How to use the integration between Sellsy and Qonto?

Find Sellsy on the Connect platform. Sellsy is a comprehensive CRM, invoicing, and accounting tool that helps you manage your clients and prospects, invoice faster, and take control of your accounting. By connecting Sellsy to Qonto, your transaction information is automatically uploaded to Sellsy's accounting interface to save you time on your accounting. Connecting Sellsy to Qonto is very simple and will only take a few minutes: Go to your Sellsy app, then to the Bank menu. Open List of banks . Click on Add a bank account and then choose the synchronized mode. You will then be redirected to a secure page to add a bank. Select Qonto and enter the requested information. Finally, select your account or accounts to add and click on Done . Your transaction information then automatically uploads to Sellsy.

https://help.qonto.com/en/articles/5294257-how-to-use-the-integration-between-sellsy-and-qonto

How can I use the integration between Qonto and Tiime?

Tiime is a French accounting tool for businesses and their professional accountants. Take advantage of the integration between Qonto and Tiime on the Connect platform, and synch your Qonto transaction information and attachments with Tiime automatically and securely. How does the integration work? To take advantage of the integration, you will need a Tiime account. From your Tiime web app, visit the Add a bank account tab, then click on Link an account . Select Qonto and simply fill in your Qonto login and password. Your Qonto account is now synched, and your Qonto transaction information and attachments will be transferred to Tiime automatically.

https://help.qonto.com/en/articles/5698645-how-can-i-use-the-integration-between-qonto-and-tiime

How does the integration between Sibill and Qonto work?

Sibill is the digital cash register solution for small businesses. Get an aggregate view – and always automatically updated – of your current and future cash flows. Sibill also gives you the opportunity to analyse how prospective income and expenses impact your liquidity. How does the integration work? The integration allows you to manage aggregate liquidity together with future cash flows. In fact, Sibill not only allows you to analyse aggregate current finances but also future ones, based on the history of your transactions but also on scheduled invoices. How can I integrate Sibill? Connecting your Qonto account to Sibill is really simple, all you need is just a few clicks! 🖱 To get started, click here and create an account. Then connect your Qonto account with 1 single login. Done! ✅ ☝️ Alternately: Access the Connect section of your Qonto app; Click on Sibill Select your enterprise; Click on Accept; Once directed to Sibill, select your Qonto account; Click on Connect. Done! ✅ Who can take benefit from this integration? This feature is available for all the packages offered by Qonto, you just need to create a single account on Sibill to link all your accounts.

https://help.qonto.com/en/articles/6389149-how-does-the-integration-between-sibill-and-qonto-work

How can I use the integration between Qonto and Macompta.fr

Macompta.fr is an accounting tool for businesses and their professional accountants. Take advantage of the integration between Qonto and Macompta.fr on the Connect platform, and synchronize your Qonto transaction information with Macompta.fr automatically and securely. This will help you save time that you would otherwise spend sending your information to your accountant through a manual export. How does the integration work? To take advantage of the integration, you will need a Macompta.fr account. Start by opening their web application. From the Input menu, click on the Bank tab. Then click Import bank statement , then on Automatic import . Select the Banks tab, then click on the Qonto logo When the menu opens, enter your Qonto login information. Your Qonto account is now synched, and your Qonto transaction information will be transferred to Macompta.fr automatically. ☝️ Keep in mind : The connection between Macompta.fr and Qonto is made possible thanks to Budget Insight, a completely secure solution to send your Qonto information: The connection is protected by your Qonto login information Data are encrypted, which means no one can access your codes and data The connection complies with the EU directive on PSD2 payments, for optimum protection.

https://help.qonto.com/en/articles/5390848-how-can-i-use-the-integration-between-qonto-and-macompta-fr

How does the connection between lexoffice and Qonto work?

Our team has developed a simple and secure connection with lexoffice to simplify bank account reconciliation in your favourite bookkeeping tool. How does it work? The Qonto x lexoffice integration simplifies the reconciliation of your transactions by automatically syncing all your Qonto accounts. Retrieve your transactions and all your receipts in just a few clicks. Accounts, transactions, and attachments available in your Qonto account will automatically sync and added to lexoffice every day at 4:30 am (Paris time). ✌️ Good to know: The integration is fully secure, and we won't share any information to our partner without your explicit consent, which you can revoke at any time. Who can benefit from this connection? Any person with an owner/admin/bookkeeper access to a Qonto account can set up this integration. The only prerequisite is to have a Qonto and a lexoffice account. How to set up the connection? Retrieve your Qonto accounts in a few minutes! Go to the Connect section in Qonto and click on the lexoffice card Click on Connect at the top right of the page Set your authentication name Authenticate with your lexoffice account information Enable Qonto to sync your data by clicking on Accept (Optional) Import your history by selecting the date you want to start syncing your transactions from. 💡 Make sure you validate your selection by clicking on the check mark ☑️ on the right of the date, and only then click on the Finish button. Your integration is now ready! Your Qonto accounts will be automatically created in a few minutes, with no further action required on your side. ✌️ Good to know: If you want to disconnect lexoffice from your Qonto account, it's also very easy! Click on the Connected button, in the top-right corner, and then on Disconnect . Finally, confirm your choice. How to match my Qonto and lexoffice accounts? All your Qonto accounts are automatically imported when you set up the integration. In order to not disrupt your current accounts in lexoffice, by connecting your qonto account, a new account is created with Qonto as a bank name. ℹ️ If you modify the account name / number in lexoffice, the modified account will not be recognized any more and a new account will be created. Why are my attachments not synced? When connecting your Qonto Bank account to lexoffice, future attachments will automatically be forwarded to your account. However, no automated matching will take place . You will have the possibility to link attachments to the appropriate transaction directly in your account. Why can I not see my past attachments? Please note that attachments can only be synced from the moment of the effective connection between the Qonto and lexoffice account. No backfill of attachments will be possible. What if my account history is not imported? If your transaction history is not imported from the selected date, you have to disconnect lexoffice from your Qonto account and set up the integration again by following the steps detailed below: Disconnect it from your Qonto account by clicking on the Connected button in the top-right corner of the lexoffice page, then on Disconnect and confirm your choice. Click on Connect again and follow the steps 3 to 4, detailed in the How to set up the connection? Section of this FAQ. 💡 During step 6, once you have set the start date for importing transactions, make sure you validate your selection by clicking on the check mark ☑️ on the right of the date and only then click on the ' Finish ' button.

https://help.qonto.com/en/articles/5966354-how-does-the-connection-between-lexoffice-and-qonto-work

How does the connection between Zoho Books and Qonto work?

Our team has developed a simple and secure connection with to simplify bank account reconciliation in your favorite bookkeeping tool. How does it work? The Qonto x Zoho Books integration simplifies the reconciliation of your transactions by automatically syncing all your Qonto accounts. Retrieve your transactions and all your receipts in just a few clicks, and define your own categorization rules for even more efficiency. Accounts, transactions, and attachments available in your Qonto account will automatically be synced and added to Zoho Books every day at 8:30 pm. ✌️ Good to know: The integration is fully secure, and we won't share any information to our partner without your explicit consent, which you can revoke at any time. Who can benefit from this connection? Any admin or owner of a Qonto account can set up this integration. The only prerequisite is to have a Qonto and a Zoho Books account. How to set up the connection? Retrieve your Qonto accounts in Zoho Books in a few minutes! Go to Settings > Integrations and partnership in your Qonto web app and search for Zoho Books card Select the Zoho Books card and then click Connect at the top right of page Set your authentication name Authenticate with your account information Enable Qonto to sync your data to Zoho Books by clicking on Accept (Optional) Import your history by selecting the date you want to start syncing your transactions from. 💡 Make sure you validate your selection by clicking on the check mark ☑️ on the right of the date, and only then click on the Finish button. Your integration is now ready! Your Qonto accounts will be automatically created in a few minutes, or matched to existing Zoho Books accounts (active or inactive), with no further action required on your side. ✌️ Good to know: If you want to disconnect from the integration, it's also very easy! Click on the Connected button, in the top-right corner, and then on Disconnect Zoho Books . Finally, confirm your choice. How to match my Qonto and Zoho Books accounts? All your Qonto accounts are automatically imported when you set up the integration. If a match is found, your Qonto and Zoho Books accounts will be automatically configured and associated, with no action required on your side. For a Qonto account to be matched , the bank name must be Qonto and the last 4 digits of the Zoho Books account number must match the last 4 digits of your Qonto account IBAN. If no match is found, a new account will be created in Zoho Books with Qonto as a bank name and with an account number corresponding to the Qonto account IBAN. ℹ️ If you modify the account name / number in Zoho Books , the modified account will not be recognized any more and a new account will be created. Why are my attachments not synced? You must categorize the transactions that have been synced in Zoho Books in order to retrieve your receipts from Qonto. Once you have applied a category to your transactions, the attachments will automatically be added during the next sync (8:30 pm every day). What if my account history is not imported? If your transaction history is not imported from the selected date, you have to disconnect Zoho Books from your Qonto account and set up the integration again by following the steps detailed below: Disconnect Zoho Books from your Qonto account by clicking on the Connected button in the top-right corner of the page, then on Disconnect and confirm your choice. Click on Connect again and follow the steps 3 to 4, detailed in the How to set up the connection? Section of this FAQ. 💡 During step 6, once you have set the start date for importing transactions, make sure you validate your selection by clicking on the check mark ☑️ on the right of the date and only then click on the ' Finish ' button.

https://help.qonto.com/en/articles/5639579-how-does-the-connection-between-zoho-books-and-qonto-work

How to setup Qonto & DATEV with RZ-Bankinfo?

Synchronize your transactions between Qonto and DATEV Unternehmen Online or DATEV Kanzlei Rechnungswesen using our DATEV RZ-Bankinfo integration. Activate automatic transaction retrieval by DATEV now and generate automatic booking suggestions. Save time and energy! DATEV RZ-Bankinfo is a service that enables the automatic retrieval and processing of bank data within the DATEV accounting software. Setting up a connection ensures seamless integration and automates the import of transaction data for efficient financial management. ☝️ IMPORTANT! Please set up RZ-Bankinfo in your DATEV application first and only AFTER THAT connect it via Qonto . Only then can we guarantee a trouble-free connection between Qonto and DATEV RZ-Bankinfo. ☝️ The DATEV integrations are only available to customers with a German IBAN at Qonto. To synchronize your attachments between Qonto and DATEV Unternehmen Online (DUO), you need to set up the DATEV Belegbilderservice integration. You can learn how to set up the DATEV Belegbilderservice integration in this article. ​ You can also synchronize your transactions with DATEV Unternehmen Online (DUO) using FinAPI (PIN/TAN procedure). Find out how it works here. What are the prerequisites for setting up RZ-Bankinfo with DATEV for your Qonto account? You or your tax advisor use a fully configured DATEV accounting software (DATEV Unternehmen Online, DATEV Kanzlei Rechnungswesen). You have DATEV Zahlungsverkehr installed on the computer from which data is to be transmitted, and the Zahlungsverkehr-Online operation has been started. You have access to the DATEV data center (DATEV SmartCard / DATEV mIDentity). Who can use this DATEV integration? All account holders, administrators, and accountants can set up the DATEV integrations with Qonto. This DATEV integration is available for our Smart, Premium, Essential, Business, and Enterprise packages. Click here to find out how to change your current plan. How do I set up Qonto with DATEV and RZ-Bankinfo? STEP 1 - Set up bank connection ​The bank connection is usually created when setting up a new client database in DATEV Unternehmen online. Alternatively, you can set it up later via Stammdaten -> Unternehmensangaben -> Registerkarte Bank . You can find instructions on how to create a new bank connection in this DATEV guide . ​ STEP 2 - Send your data to the DATEV data center Now you need to set up your master data and send it to the DATEV data center. Usually this set-up is carried out via your tax advisor and is possible via the DATEV applications Kanzlei-Rechnungswesen, DATEV Mittelstand Faktura mit Rechnungswesen or DATEV Zahlungsverkehr. ​ A detailed DATEV guide for this step can be found here under Step 2.1. For further questions, please consult your tax advisor for setup. ​ STEP 3 - Fill and Save the declaration of participation Upon successful transmission of the data to the DATEV data center, DATEV automatically generates and displays a declaration of participation. ​ Enter the account holder according to the account information, print the document using a DATEV accounting tool, and save it locally. You do not need to submit the Declaration of Participation to Qonto. ​ STEP 4 - Set up automatic transaction retrieval You and your tax advisor now habe the option to retrieve the transaction data directly in the DATEV accounting program via RZ-Bankinfo. Setup for your tax advisor in DATEV Mittelstand Faktura, Kanzlei-Rechnungswesen, or DATEV Zahlungsverkehr Go to Stammdaten , select the desired bank connection, and click on the Eigenschaften -> Konto button. Now choose the DFÜ path RZ-Bankinfo as the source for the account transactions. Under Eigenschaften -> Abholtermin , you can now select the desired retrieval frequency for the account statements and confirm with OK . Setup transaction retrieval in DATEV Unternehmen Online Go to Anwendungen -> Bank , click on Bankverbindungen , and select the set up bank connection with Qonto.​ Click on the Umsatzabholung tab and activate the " „Kontoumsätze abholen und im Archiv speichern“ checkbox. ​ Select DATEV data center (DATEV RZ-Bankinfo) as the retrieval method via the DFÜ-Weg and click on übernehmen . ​ STEP 5 - Activate DATEV RZ-Bankinfo in the Qonto WebApp Navigate to Integrations and Partners > Integrations in the Qonto WebApp and click on DATEV integration for RZ-Bankinfo .​ Click on the application's tile, then click on connect . ​ Now confirm that you have already fully set up DATEV-RZ-Bankinfo in DATEV and accept the setup of Qonto and RZ-Bankinfo. ​ 🚀You have now successfully connected Qonto and DATEV RZ-Bankinfo! You can find further information in these DATEV guides: ​ ​Setting up RZ-Bankinfo in DATEV ​ ​DATEV Bank online Automated transaction collection ​ DATEV Zahlungsverkehr - Automated transaction collection Can I link several bank accounts with DATEV RZ-Bankinfo? Yes, DATEV RZ-Bankinfo supports connections to multiple bank accounts. During the setup process, you can add and configure connections for each bank account to be integrated. Do you have questions about linking your account to DATEV or synchronising your account transactions? DATEV Unternehmen online offers technical support and provides you with further information in the DATEV help portal.

https://help.qonto.com/en/articles/8791570-how-to-setup-qonto-datev-with-rz-bankinfo

How to synchronize attachments with the DATEV Belegbilderservice and Qonto?

Easily prepare your accounting in Qonto. Your receipts and invoices are automatically synchronized with DATEV, saving you time & energy. No more switching between Qonto, DATEV Unternehmen Online (DUO), and your tax advisor. ❗Important to know: The DATEV integrations are only available for customers with a German IBAN at Qonto. ​ To synchronize your transactions between Qonto and DATEV Unternehmen Online (DUO) as well, you need to set up the DATEV interface for transactions. ​ You can learn how to set up the DATEV interface for transactions with finAPI (PIN/TAN) in this article . Learn how to set up the DATEV transaction interface with RZ-Bankinfo in this article . What are the prerequisites for connecting your Qonto account to the DATEV Belegbilderservice? You or your tax advisor have fully set up DUO for your company. An inventory ("Bestand") for DATEV documents online (standard or extended processing form) is available There are at least standard rights for DATEV Belege online on the access medium (client or tax firm) For your login in DUO, you have a SmartLogin, SmartCard, or mIdentity. Further information can also be found in the DATEV instructions for the DATEV Belegbilderservice. Who can use this DATEV integration? All account owners, administrators, and accountants can set up the DATEV integrations with Qonto. This DATEV integration is available for our Smart, Premium, Essential, Business, and Enterprise packages. Click here to learn how you can change your current tariff. How do I set up the DATEV interface for attachments? Go to the Integrations and Partners > Integrations section at the bottom left of the Qonto Web-App and click on DATEV Belegbilderservice. Just click on the application tile and connect. Then please follow these steps: Define your Authentication name Authenticate with your DATEV login details Enable Qonto to synchronize your attachments with DATEV by clicking "I agree." Import your history by selecting the date from which you want to synchronize your attachments. Ensure you confirm your selection by clicking the checkmark ☑️ next to the date and then click the Finish button. Your integration is now complete!🎉 Your Qonto attachments will automatically be synchronized and added to DATEV Unternehmen Online (DUO) daily at 07:00 AM (GMT+1). How do I disconnect the DATEV Belegbilderservice? Click on the Connected button in the top right corner of your screen. Then click on Disconnect the DATEV Belegbilderservice. Finally, confirm your selection. What happens if my attachments are not correctly imported into DATEV Unternehmen Online (DUO)? If your attachment history from the selected date is not imported, you need to disconnect the DATEV Belegbilderservice from your Qonto account and set it up again by following the steps described above. Will my attachments and transactions automatically match in DATEV? There is no automatic matching in DATEV Unternehmen Online (DUO). Your tax advisor has the option to link attachments directly in the DATEV Unternehmen Online account to the corresponding transaction. What files can be processed with the DATEV Belegbilderservice? For your attachments to be synchronized with DATEV Unternehmen Online (DUO), your files must meet the following size and format criteria: We recommend that the size of each attachment does not exceed 500 KB; the maximum supported size is 20 MB. The format must be either JPEG, PNG, or PDF. Once you synchronize your documents with the DATEV Belegbilderservice, they will be converted into PDF files. 👉 Good to know: A low file size directly contributes to keeping your ongoing costs with DATEV Unternehmen Online (DUO) as low as possible. The maximum file size in a synchronization process must not exceed 20 MB. How much access do DATEV and Riecken Webservice & Application GmbH have to my Qonto account data? We do not share any of your data with Riecken Webservice & Application GmbH or DATEV without your explicit consent, which you can revoke at any time with a few clicks to stop sharing your data. Riecken Webservice & Application GmbH is an official DATEV Marketplace member and a Qonto partner we rely on to ensure the smooth functioning of the integration. 🤝 Need support? You have questions about linking your account with DATEV or synchronizing your account transactions? DATEV Unternehmen online offers technical support and provides further information in the DATEV Help Portal . ​ If you have questions or need help, the Qonto Service Team is happy to assist you at any time via chat in your Qonto App. ​ Find more help articles on the topic of partners and integrations here .

https://help.qonto.com/en/articles/6579225-how-to-synchronize-attachments-with-the-datev-belegbilderservice-and-qonto

Which options do I have with Qonto and DATEV?

By integrating Qonto with DATEV, you can simplify your accounting while saving time and energy. Our integrations allow you to automatically synchronise transactions, receipts and invoices between Qonto and DATEV, eliminating time-consuming manual tasks. ​ ​ The seamless connection between Qonto and DATEV allows you to streamline your accounting and focus on growing your business. Qonto currently offers three different interfaces for DATEV, available for customers with a German IBAN at Qonto. ​ ​ DATEV Belegbilderservice ​ DATEV-Schnittstelle with RZ-Bankinfo ​ DATEV-Schnittstelle with FinAPI (PIN/TAN) What advantages do the DATEV integrations with Qonto offer me? DATEV Belegbilderservice Automatic synchronization of receipts and invoices between Qonto and DATEV Unternehmen Online (DUO). Time savings through automatic synchronization, no manual transfer of receipts required. Prerequisites: Complete setup of DUO for the company including DATEV Belege Online, access medium for the login (SmartLogin, SmartCard or mIdentity). DATEV interface with RZ-Bankinfo Automatic retrieval and processing of bank data within the DATEV accounting software. Seamless integration to automate the import of transaction data for efficient financial management. Automatic creation of booking suggestions in the DATEV accounting software. Important: RZ-Bankinfo must be set up in the DATEV application before the connection is established via Qonto. Prerequisites: Complete setup of DATEV accounting software, access to the DATEV data center (SmartLogin, SmartCard, or mIdentity). DATEV interface with FinAPI (PIN/TAN) Convenient and easy synchronization of transactions between DATEV Unternehmen Online (DUO) and the Qonto account via the FinAPI interfaces. Prerequisites: Complete setup of DUO for the company, access medium for the login (SmartLogin, SmartCard or mIdentity). Who can use the DATEV integrations with Qonto? All account holders, administrators and accountants can set up the DATEV integrations with Qonto. Please note that the DATEV receipt image service and the DATEV interface with RZ-Bankinfo is only available for our Smart, Premium, Essential, Business and Enterprise packages . Click here to find out how to change your current tariff Further information on setting up DATEV and Qonto can be found here: ​ ​ How do I synchronise attachments with the DATEV Belegbilderservice and Qonto? ​ How do I synchronise my transactions between DATEV DUO and Qonto with FinAPI (PIN/TAN)? ​ How do I set up Qonto & DATEV with RZ-Bankinfo?

https://help.qonto.com/en/articles/8791518-which-options-do-i-have-with-qonto-and-datev

How do I synchronize my transactions between DATEV DUO and Qonto with FinAPI (PIN/TAN)?

Synchronize your transactions between DATEV Unternehmen Online and your Qonto account conveniently and easily with our DATEV integrations. In this article you will learn how to connect DATEV Unternehmen Online with Qonto and synchronize your transactions with the PIN/TAN procedure via FinAPI. ☝️ The DATEV integrations are only available for customers with a German IBAN at Qonto. ​ To synchronize your attachments between Qonto and DATEV Unternehmen Online (DUO), you will have to set up the DATEV Belegbilderservice integration. To set up the DATEV Belegbilderservice integration, please consult this dedicated article. Which requirements are necessary to Connect your Qonto account to DATEV Unternehmen Online (DUO)? You or your tax advisor have fully set up DUO for your business. You have a SmartLogin, SmartCard or mIdentity for your login to DUO. Who can use this DATEV integration? All account holders, administrators and accountants can set up the DATEV integrations with Qonto. This DATEV integration is available in all price plans. How do I set up Qonto with DATEV DUO and FinAPI (PIN/TAN)? 1. Add your Qonto business account to DUO Log in to DUO at duo.datev.de . In the area Anwendungen , go to Stammdaten . Now click on Unternehmensangaben on the menu bar on the left. In the next window, go to the Bank tab. Now click on Bankkonten and + Bankkonto hinzufügen . If you have several Qonto accounts (sub-accounts), please add them individually. Enter your Qonto account details and click Hinzufügen . Select Einstellungen Zahlungsverkehr below. By clicking on Neu / Hinzufügen , you create an HBCI access for the previously created account connection. A window now informs you about the third-party provider finAPI, which provides the banking interface. Now click on Weiter . Now select the interface Access to Account (XS2A) . 2. Establish an interface connection with Qonto In the next window, enter your Qonto IBAN in both the field Anmeldedaten and the field Kontoreferenzen . Then click Bankdaten abrufen . 3. Synchronize Qonto transactions Go to the Stammdaten application and click Unternehmensangaben in the Stammdaten Online section. Select the desired account. In the field Einstellungen , go to the Umsatzabholung section and click Übernehmen . Under the application Bank , go to Startseite Bank . Now start the synchronization. In the field Bankkonto , click on the Update button (two green arrows). Now your data will be transferred to DUO. Select Kontoumsätze prüfen to check the “Auftraggeber-Bankverbindung” and the “Benutzer” again. Finally, click on Kontoumsätze holen . Your transaction data has been successfully synchronized and you can now view it in your DATEV application. Do you have questions about linking your account with DATEV or synchronizing your account transactions? DATEV Unternehmen online offers technical support and provides you with further information in the DATEV Help Portal .

https://help.qonto.com/en/articles/5190859-how-do-i-synchronize-my-transactions-between-datev-duo-and-qonto-with-finapi-pin-tan

How does the integration between TeamSystem and Qonto work?

Thanks to the integration between TeamSystem and Qonto, you can finally optimize the management of receipts and payments by connecting your company accounts to your management systems. By connecting your Qonto account to your accounting software, you can: – Consult the balance and movements of your accounts, automatically updated every day; – Check your financial situation from a single point and save time and resources; – Search, filter, sort and export the aggregated movement lists of your accounts; – Easily reconcile bank movements with invoices receivable and payable and reduce the possibility of errors. In conclusion, make your treasury and account reconciliation processes more effective in an automated manner, reducing the risk of errors and the need for cross-checks and revisions. The TeamSystem group is a leader in Italy in the development and marketing of management software for small companies, micro-businesses and professionals. How do you access the feature? To connect your Qonto accounts to TeamSystem you need to have integrated the module to your management or accounting software. Then simply click on 'Add another account' to add your IBANs. Once connected, you can manage collections and payments directly from the interface: importing transactions from the period of interest and initiating invoice payments, partial or total, directly from the document. If you require assistance, you can refer to the assistance you already benefit from with your management software. In addition, here you will find frequently asked questions about the TeamSystem Pay module.

https://help.qonto.com/en/articles/6921679-how-does-the-integration-between-teamsystem-and-qonto-work

How do I use the Sage x Qonto integration?

Sage is an accounting tool for businesses and their professional accountants. Take advantage of the integration between Qonto and Sage 50c and Sage Business Cloud Accounting on the Connect platform, and synchronize your Qonto transaction information with Sage automatically and securely. To configure a connection between Qonto and Sage 100, Sage 1000 or Sage X3, please refer to the article How do I connect Qonto to my accounting or treasury tool via EBICS? How does the integration work? To take advantage of the integration, you will need a Sage account. If you already have an account, go to the Sage web application. For Sage 50c users: Log in to your account and open the Folder menu, then click Connected services . If you are a Sage Business Cloud Accounting user: Log in to your account and click Cash Flow , then click Connect Bank at the bottom right of the bank account you would like to connect. In the Bankin’ sidebar on the page displayed, click on Learn more . On the page introducing the service, click on the Connect button. Then select Qonto . Enter the username and password for your bank, and add your account. You will then be able to set up a bank feed and bank reconciliation. ☝️ Keep in mind : The connection between Sage and Qonto is made possible thanks to the Bankin’ aggregator, a completely secure solution to send your Qonto information: The connection is protected by your Qonto login information Data are encrypted, which means no one can access your codes and data The connection complies with the EU directive on PSD2 payments, for optimum protection.

https://help.qonto.com/en/articles/5390852-how-do-i-use-the-sage-x-qonto-integration

How do I connect Fizen to Qonto?

You can link your Qonto account directly to Fizen to automate your accounting. How does the integration work? With the Qonto x Fizen integration, the transactions and receipts available in your Qonto account are duplicated in your account. No more entering the same information twice; it is synched automatically every day. How to set up the integration? Open your Fizen app In your account settings, open the Bank accounts sections, select Add an account and select Qonto as the source You will then be redirected to a Qonto login page to grant Fizen access to information from your bank accounts Once the authentication process is completed, all of your Qonto bank accounts will be generated in your Fizen account Who can use the integration? All account owners, administrators, and accountants can configure the Fizen integration. All you need is a Qonto and Fizen accounts. What data will be shared with Fizen from my Qonto account? ☝️ Fizen has access only to your transactions and receipts. We will not share your banking username or password. In addition, the platform is unable to charge any payments. We will not share any data without first obtaining your express authorization, which you may withdraw at any moment with a few clicks.

https://help.qonto.com/en/articles/6176623-how-do-i-connect-fizen-to-qonto

Where can I find my API login and secret key?

Many third-party applications require your login and your secret key to allow the share of information between your Qonto account and external tools like accounting softwares. You can therefore offer read-only access to this software to automate the transfer of information. You can also initiate actions on your account through API, but no worries, strong authentication protects these sensitive actions. 🔐 Keep in mind that your login and your secret key are not the same as your email and password. How does it work? You have a Smart, Premium, Essential, Business, or Enterprise plan? Good news, your login and secret key are automatically generated. To get them: Go to the Settings icon on the bottom left of the page Click on Integrations and Partnerships > API key You have a Basic plan? To get your login and secret key: Go to your Qonto web app, and click on the Settings icon on the bottom left of the page Click on Integrations and Partnerships > API key You will see the name of your organization followed by a number (it's your login name) Then, click on Generate to see your secret key. 💡If you have set up Strong Customer Authentication on your account, you will receive a confirmation request on your associated phone. ☝️ Good to know: The Regenerate button will allow you to renew this key later. This will revoke access to your account for all integrations that used your previous secret key. ⚠️ You want to disable your accountant’s access? You can check this article for more information. You will also need to regenerate your login and secret key so that the accountant will no longer have access to your account information. You can find the full list of apps that connect with Qonto, as well as the credentials to use for each by following this link .

https://help.qonto.com/en/articles/4359624-where-can-i-find-my-api-login-and-secret-key

How does Qonto verify applications in the Integrations and Partnerships section?

Discover how Qonto makes the world of integrations and partners safe and reliable: Your Security is Our Priority At Qonto, we take the quality and security of the integrations and partner services in your app very seriously. For this reason, all tools and services undergo a thorough verification process. Our Criteria – Your Trust All integrations and partners must meet the following criteria: Secure Connection: Every application is secured with a strong login and password, which occurs via our API or a partner, to keep your data protected. Targeted Access: The tools only have access to the information they need – your financial data remains private and secure. Double Protection: For sensitive actions, such as transfer requests, double authentication is required (SCA). In practice, SCA means linking a smartphone to your account. Every sensitive operation you or your teams perform must be validated by approving a notification in the Qonto app. Control in Your Hands: You have full control and can revoke access to your Qonto account at any time via the Partners & Integrations menu item or the third-party tool. ☝ Good to know: Every tool and service offered to you under Partners and Integrations has been personally tested by us at Qonto to guarantee a smooth and secure experience. 👉 Need Support? If questions arise or you need help, a support team is ready for each app to assist you. On each of the cards in the Partners & Integrations menu, you will find the necessary information to make direct contact.

https://help.qonto.com/en/articles/4470305-how-does-qonto-verify-applications-in-the-integrations-and-partnerships-section

How do I set up the jedeclare.com integration?

Work more efficiently with your accountant thanks to jedeclare.com - the reporting and banking platform serving over 3 million companies via 20,000 accounting firms. Qonto is connected to jedeclare.com via a communication protocol called “EBICS”, which enables the encrypted and protected transfer of financial data. This ensures that our customers’ financial data remains confidential and secure at all times. Who can generate and sign a mandate on Qonto? A mandate is a legal document. It grants a company's consent to share its account statements with its accounting firm through the jedeclare platform. All Account Holder , Admin , and Reporting roles can generate and sign a jedeclare mandate on Qonto. How do I generate and sign a jedeclare.com mandate on Qonto? From your computer, follow these simple steps: On the Qonto web app, go to the Settings icon on the bottom left of the page Click on Integrations and Partnerships > Integrations Use the search bar to find the integration, and click on jedeclare . Then, click Connect in the top right of the page. Click on Next to continue the integration setup. Provide the following information about the certified public accountant: First name Last name Email address (this address doesn’t need to be linked to the certified public accountant’s jedeclare account) Company name (of the certified public accountant) Finally, click on Finish to send the signed mandate to your certified public accountant. Your accountant will gain limited access to your account, if they don’t already have it. To know more about accountant access, check out this dedicated article . ☝️ It’s also possible to install the integration in the Connect section by clicking on any other accounting tool supported by jedeclare. Supported tools include Cegid Expert, Cegid Quadra, ACD, Fulll, Myunisoft, Agiris, Sage Generation Expert and 10+ others. How can the certified public accountant finish setting up the jedeclare.com integration? To finish installing the jedeclare integration, your certified public accountant needs to follow these steps: Go to the email address used to generate and sign the mandate and click on the email sent by “ [email protected] ”. Click on Access documents to be redirected to the Yousign app. Click on Start , scroll down the page, and click on Sign at the bottom right of the screen. If using a mobile device, swipe right or press Enter for a few seconds to sign the document. The final step is to upload the mandate, signed by both the certified public accountant and the Qonto customer, into jedeclare to start retrieving account statements. If you any questions about uploading the signed mandate into jedeclare, you can learn more by reading this dedicated article . 👆 Account statements from the day the mandate was generated on Qonto will be available 24 hours after it is uploaded to jedeclare. How do I install the jedeclare.com integration with a basic plan? ☝️ This feature is available for our Smart , Premium, Essential, Business and Enterprise plans. The jedeclare integration is only available for Smart and above price plans. To install it, you’ll need to upgrade your plan if you’re currently on a Basic plan: On the Qonto web app, go to the Settings icon on the bottom left of the page Click on Integrations and Partnerships > Integrations Use the search bar to find the integration, and click on jedeclare. Then, click Connect in the top right of the page. Click on Upgrade plan at the top right of your screen. Choose the plan that best suits your needs, and then click Choose . To confirm your choice, click Confirm . What happens if the mandate was generated on Qonto more than 6 months ago? If the mandate wasn’t uploaded into jedeclare within six months of its generation on Qonto, you’ll need to set up the integration again. On the Qonto web app, go to the Settings icon on the bottom left of the page Click on Integrations and Partnerships > Integrations Use the search bar to find the integration, and click on jedeclare. From there, click on Disconnect at the top right of the page, and click again on Connect . Next, follow the steps explained in the section above “How do I generate and sign a mandate from Qonto?”. Can the certified public accountant generate the mandate directly on jedeclare.com ? Certified public accountants can generate a mandate directly on jedeclare, like they would with any other banking partner, or e-sign the mandate with jesignexpert.com , for example. Any questions? You’ll find the answers in this dedicated article . This feature is available for our Smart , Premium, Essential, Business and Enterprise plans. Once the mandate is uploaded to jedeclare, the associated Qonto account will need to be upgraded to Smart. Once this plan change is effective, the connection with jedeclare will be initiated and the certified public accountant will be invited to an Accountant role. 👆If the organization remains on a Basic plan, the connection won’t be initiated. If a webscraping connection with jedeclare was already active, it will be maintained. How can I contact jedeclare.com ’s customer support? jedeclare.com’ s customer support is available Monday to Friday, from 8:00 to 20:00 (CET), via: Phone: 08 90 71 06 13 (€0.15 per minute) Email: [email protected]

https://help.qonto.com/en/articles/7187451-how-do-i-set-up-the-jedeclare-com-integration

What is the Integrations and Partnerships section?

Discover the Integrations and Partners Area The Integrations and Partners area is available at the bottom left in the settings of your Qonto Web App. In this area, you will find carefully selected partner offers and application integrations by Qonto for you. Our goal is to automate time-consuming tasks and processes , allowing you to focus on what is truly important to you: the growth of your business. A Variety of Applications at Your Disposal Within this area, a world of possibilities opens up to optimize your finances and cash flow management, thereby saving valuable time in your daily routine. Forward-Looking Integrations : Discover modern solutions like the integration with Slack, specially developed for you by the Qonto team. Accounting Tools and More: Find selected accounting tools and other useful applications that seamlessly connect with Qonto to facilitate your financial management. Value-Added Financial Services: Benefit from exclusive partner offers that Qonto has compiled in cooperation with providers of financial services, accounting services, and payment terminals for you. Immerse yourself in the world of Qonto's integrations and partners and discover how you can run your business more efficiently . Would you like to suggest other partners? We are always listening to our customers and ready to respond to your needs. Let us know what other tools you would like to find among our partners by writing to [email protected] . ☝ Good to know: Qonto conducts comprehensive security and quality checks for all integrations and services. Learn more in this article . The Integrations and Partners area is available to all Qonto customers.

https://help.qonto.com/en/articles/4470323-what-is-the-integrations-and-partnerships-section

What apps can I connect to my Qonto account?

Thanks to this link , you can find the list of applications you can connect to Qonto, the integration installation mode, as well as more information about the data you can synchronize. 👆 Good to know: The installation mode, as well as the data that you can synchronize, is specific to each integration. How do you connect an app with Qonto? Check this page to find out the connection type for each app and get more information. Then, refer to the information to connect your tool to Qonto. Connecting to your app from the Qonto web app : Go to the Settings icon on the bottom left of the page Click on Integrations and Partnerships > Integrations Search for the integration you want to install and select it. Then, click Connect in the top right of the page Finally, follow the instructions to finish installing the integration. Connecting directly to the app with your Qonto login details: The integration is done directly from the app that you want to connect to Qonto: you will need your Qonto login details to install the integration. Connecting to Qonto with your Qonto API key: From the Qonto Web app : Go to the Settings icon on the bottom left of the page Click on Integrations and Partnerships > API key Then enter that API key directly from the app you want to connect to Qonto 👆 Keep in mind: For more information on your API key, please read this dedicated article . What do I do if an integration isn’t available? You can suggest a new integration to us directly, from the Qonto web app:You can suggest a new integration to us directly, from the Qonto web app: Go to the Settings icon on the bottom left of the page Click on Integrations and Partnerships > Integrations Scroll down the page, click on the box “ Can't find an integration for your favorite tool?” to suggest a new integration You can also use Zapier and Make (previously Integromat), to automate certain manual tasks, or connect your Qonto account to even more tools. Have you developed a new integration? Please go ahead and email us at [email protected] , so that we can share it. For request related to the creation of an account or your existing account, please reach out to [email protected] .

https://help.qonto.com/en/articles/4359616-what-apps-can-i-connect-to-my-qonto-account

How to match your invoices with incoming payments?

With Qonto, you can easily track the status of your customer invoices and match them with their corresponding transaction when you mark them as paid. This process allows keeping your books accurate and save time on your accounting. You can match customer invoices and transactions automatically or manually . Read on to learn how to use each of these methods. How can I automatically match invoices and incoming transactions? Qonto can mark as paid and automatically match your invoice with an incoming transaction, if the corresponding bank transfer has at least one of the two following information in the reference field: Reference number : it can easily be found at the bottom of the invoice itself Invoice number : displayed at the top of your invoice. We recommend you to tell to your clients to include them in the bank transfers. 💡 If you choose option 2: your invoices need to follow a certain pattern detailed in this article . Please note that an invoice can be automatically matched only if it is fully paid . In case of multiple payments, you have to manually match and mark them as paid. See below how to manually match multiple payments. ​ ☝️ Important in case of multiple accounts : For the payment to be reconciled with the invoice, your customer should make the transfer to the IBAN indicated on the invoice. How can I manually match my invoices with the incoming transactions? You can also manually mark invoices as paid and match them with an incoming transaction. This is helpful if your client pays the invoice in multiple installments or if you are not paid by bank transfer. 💡 Manual matching is available via both web and mobile app. From the Invoices section, go to Client Invoices and click on the invoice you want to associate with an incoming transaction. You will be displayed the invoice and from the side panel click on Mark as paid . Now it’s time to match the invoice with the transaction by: Select the matching transaction from the recommended ones If you don’t see your payments, type the client name, the reference, or the amount in the search bar If the customer paid you outside Qonto, you can click on “Were you paid outside Qonto?” and then enter the transaction’s date. What can I do if I have multiple payments to match with the same invoice? An invoice could be paid with more than one transaction. If this is your case, you can match different transactions with the same invoice. Select the invoice, click the + button and follow the above instructions. What can I do if I want to delete the payment matched? In case you want to delete a payment previously associated (automatically or manually) with one of your invoices, you can easily do it by clicking the X button next to the matched transaction . If all the matched transactions are deleted, the invoice status will change back to To be paid .

https://help.qonto.com/en/articles/6679000-how-to-match-your-invoices-with-incoming-payments

What additional information should my customer invoice include?

Depending on your location and legal form, it may be necessary for your customer invoices to contain certain additional information, in addition to the fields that you must fill in when creating a customer invoice . This additional information can be related to your business, the product, or service that you provided, your customer, and/or the payment conditions. 👉 Good to know: This article applies to companies registered in France. 🇫🇷 You can easily add additional information to your invoice by using the text box labeled Footer (optional) at the bottom of the Create an invoice panel. The information that you enter here will appear at the bottom of your invoice, and we’ll automatically save it so that you can easily reuse it on your next invoice if needed. Let’s dive in: Mandatory fields VAT identification number or Numéro de TVA intracommunautaire: only for invoices where the total amount (excluding VAT) is equal or superior to €150. NAF code: Attributed by the INSEE and consisting of 4 digits and 1 letter (which you can find in your Kbis or on the ISEE’s website ) Penalty conditions: There are two types of penalty conditions to include Late payment fees: You can choose between the ECB master rate + 10%, 3 times the legal interest rate, or agree on a different rate with your client. Lump sum of €40: This penalty applies to every invoice that is paid after its due date and cannot be modified. Optional fields In addition to the mandatory fields above, you may need to include other fields, as detailed below: 🛍️ Details about your product or service Delivery date of product or service: when it’s different from the Due date . **** Purchase order number: only if you communicated one to your client beforehand. 👤 Your Qonto customer details Billing address: when it’s different from your Legal address . VAT identification number: only if the total amount of your invoice (excluding VAT) is greater than or equal to €150. Reference to VAT exemption: include if your business is exempted from VAT. ➡️ If you’re exempted from VAT as a small entrepreneur (Franchise de base) , you must include the following mention: "TVA non-applicable, art. 293 B du Code général des impôts." ➡️ If you’re exempted from VAT on intra-community supply of goods, you must include the following mention: "TVA non-applicable, art. 262 ter 1 du Code général des impôts." Other exemption schemes may apply and require a specific mention. Depending on your legal form: Share capital: if you’re an incorporated business. RCS number and town of incorporation: if you’re an incorporated business or commerçant. Repertoire des métiers ID number: if you have an artisan activity. 🤝 Final customer details (information about the client that you’re issuing the invoice to) VAT identification number or Numéro de TVA intracommunautaire : include if your customer is subject to VAT, and only for invoices where the total amount (excluding VAT) is equal or superior to €150. Billing address and Delivery address: include if they differ from your customers’ Legal address. 🎉 All good? Take a one final look, click on Create an invoice to issue it, and send it to your client by email or with a public link.

https://help.qonto.com/en/articles/6211274-what-additional-information-should-my-customer-invoice-include

How to create a customer invoice?

You can easily create and manage customer invoices directly on your Qonto account to streamline your payment process. This feature is available for Smart, Premium, Essential, Business, and Enterprise plans, and can be accessed by Owners and Admins. ☝️ Good to know: The default format for invoices generated via the Qonto invoicing tool has been updated to Factur-X , for French businesses. Qonto is actively engaged in the process of adapting our current invoicing solution to ensure compliance with the upcoming electronic invoicing reform in France. Creating your Invoice To create a new invoice on Qonto, follow these steps: 🖥️ From your computer, go to Invoices > Client invoices , in the left-men 📲 From your mobile app, go to Menu > Client invoices . Click on Create an invoice at the top right side of your screen. Alternatively, you can duplicate an existing invoice by selecting it from your invoice list and clicking on the duplicate icon (available only via the web app). When creating an invoice, fill in the required fields as indicated: Issue date, Performance date (optional), due date, and purchase order (optional). Products and services: Add items corresponding to the products or services being invoiced, including a title, description details (optional), quantity, unit price, and VAT rate. On the web, you can search through your previous Products and services. Item details : Add items corresponding to the products or services being invoiced, including a title, description (optional), quantity, unit price, VAT rate, and discount (optional). Account information : Specify the account where you want to receive payment. Optional: you can add a header to your invoice. Important : If you have multiple accounts, ensure that the customer makes the transfer to the IBAN indicated on the invoice for proper reconciliation. Adding client's information: To include client information in your invoice, follow these steps: a. Create a new client: Click on Add a new client or the " + " button if it's your first time creating an invoice on Qonto. Select whether the client is a company or an individual, and fill in their details. You can also set the language for the customer's invoice if they don't speak the language of your company's country (choose between English, French, Spanish, Italian, and German). Choose a different currency you would like to issue the customer’s quote and invoices, if not in Euro. Once verified, click on Confirm Save (for phone users). The client's information will be saved for future use, eliminating the need to reenter the details. b. Select an existing client: Click on the client you wish to invoice (open the dropdown menu first via the web app). Set up automatic invoice numbering: Review the suggested invoice number or insert a new one via Settings . Once confirmed, Qonto will automatically generate unique and sequential invoice numbers for future invoices. Customizing Invoices (available only via the web app): You can customize your invoices to reflect your brand by following these steps: Add your logo: Upload a JPEG or PNG file (maximum size of 5MB) via the "Settings" tab at the top of the screen. Set issuer email address: Specify the email address you want to display on your invoice. Set a VAT number for your invoices. Note : Customization changes will only apply to future invoices and can be modified at any time. Previous invoices will not be updated with new logo or email changes. Sharing your Invoice You can share your invoice with recipients in two ways: 1. Send it by email: Fill in the recipient's email address (multiple addresses can be added, separated by a comma) and customize the subject line and message. Optionally, add yourself in the copy of the email for tracking purposes. Click on Send to send the invoice. ​ ☝️ Important detail: the email address where you receive the copy of this email cannot be changed. 2. Share a payment link: If you prefer using your own inbox or another channel, copy the custom payment URL available in the Share by payment link tab and paste it where needed. You can also resend an invoice at any time. From the Invoicing menu, select the invoice and resend it to your client Cancelling Your Invoice Did you make a mistake and want to annul your invoice? You can refer to this article .

https://help.qonto.com/en/articles/6240362-how-to-create-a-customer-invoice

I would like to centralize my invoicing on Qonto but am currently using another tool. What should I do?

Have you been handling your invoicing needs on separate tools (like Word, Excel, or standalone solutions) up until now and are ready to centralize things directly on your Qonto account? From creating custom professional invoices, to automated tracking, to faster payments thanks to instant SEPA transfers, managing your invoicing on Qonto will save you precious time on admin work and help you run your business with more peace of mind . Switching over from your previous invoicing tool to Qonto is easy. Keep these points in mind and you’ll be good to go: Store your previous invoices: If you use a standalone tool, download all of your invoices and store them safely to make sure they’re accessible if necessary. You can store your invoices locally, on the cloud, or both. Be consistent with your numbering sequence: When creating your first invoice on Qonto, make sure that it follows your numbering sequence; for example, if the last invoice that you issued on your previous tool was number 65 , your first invoice on Qonto should be number 66 . 💡 You can input a unique number for every invoice in the field Invoice number . For more on how to create invoices, read our dedicated article . Don’t forget about pending invoices: To avoid losing sight of incoming payments, make note of any invoices created on your previous tool that are still pending, and remind your clients of their due dates if necessary. 💡 Moving forward, you’ll be able to easily track every invoice that you issue on Qonto, directly on your account. When your client makes a payment and the reference in the transfer matches the unique reference on the invoice, it's status will automatically change from To be paid to Paid . You can learn more about how tracking works on our dedicated article .

https://help.qonto.com/en/articles/6259886-i-would-like-to-centralize-my-invoicing-on-qonto-but-am-currently-using-another-tool-what-should-i-do

How to track your customer invoices?

You can create customer invoices directly on your interface (via your Qonto web app or phone) in just a few clicks to help you get paid faster and easier by your clients. You can easily have visibility over your customer invoices payment status’ from the main invoicing page. Tracking your customer invoices’ payment status will help you to have better control over your cash flow and keep an eye on when invoices are due. So that you can send reminders to your clients if necessary at the right time. How to track my customer invoices? From the Invoices screen, find the list of all invoices that are paid, to be paid, or canceled. Each line corresponds to one invoice and displays its issue date, due date, status, and amount. Click on an invoice to see more details, download it, or share it again with your client. To simplify tracking even further, you can sort invoices by due date. How to cancel a customer invoice? Canceling an invoice may be necessary in some cases – for example, if it contains a mistake. To cancel an invoice, click on it and then, on the red Cancel invoice button. Once it’s canceled, you’ll still be able to download it from the Canceled tab at the top of the main screen. 💻 Canceling and downloading invoices is only available via the web app. How to verify my customer invoices’ payment status? ☝️ Important in case of multiple accounts : For the payment to be reconciled with the invoice, your customer should make the transfer to the IBAN indicated on the invoice. You have two options: Automatic tracking: Qonto can detect when an invoice has been paid if the corresponding payment has the same reference number. In that case, its status will automatically change from To be paid to Paid . Manual tracking: You can also manually change the status of your invoice by clicking on an invoice and then, on the button Mark as paid . When you mark the invoice as paid, you have the possibility to match a transaction to it (click here to learn how). To change the invoice status from Paid to To be paid , you can click on the button Mark as To be paid which will unmatch any transactions on the invoice. Alternatively, if you unmatch all transactions on the invoice first, the invoice status will automatically change to To be paid . 💻 The manual tracking is available via the web app and mobile.

https://help.qonto.com/en/articles/6240898-how-to-track-your-customer-invoices

How to create and share draft invoices

When you create an invoice on Qonto, you can easily save it as a draft for later use. Drafts can be shared with clients in the form of a pro forma invoice so they have all the details before the final version is issued. The invoicing tool is available starting from the Smart plan ( learn how to upgrade your plan here ) and for the Owner and Admin roles. The Basic plan allows you to create up to two invoices for free to explore the functionality. How to create and save a draft 💻 From a computer, log in to your Qonto account and go to the Invoices tab. Click on Create an invoice and start filling in the information. Once you are ready, click on Save as a draft. To perform this action, you need to: Select an existing client or add a new one Enter an invoice number (only if manual numbering is enabled) Enter an issue date and due date Add the title and the invoice amount 📱 From the Qonto mobile app, go to Menu > Client invoices. Next, select the plus sign at the top right, and choose an existing client or add a new one. You only need to fill in the details (including the same mandatory fields as on the web app) and select Save as a draft. How to manage your drafts Your saved drafts can be found in the Drafts section of the Invoices tab. If you wish to continue working on one of them, select it, then click Edit the draft . You can also permanently delete it by selecting Delete the draft . Once your draft is ready, you can convert it into an invoice! Select it from the list and ensure that all the mandatory fields are correctly filled. At the bottom of the screen, select Create an invoice (or through the mobile app: Finalize the draft > Create the invoice) and confirm that your invoice is ready to be issued. You can then send it to your client via email or by sharing the link with them. ☝️ Good to know: If automatic invoice numbering is configured, your draft automatically takes the next available number as soon as it's converted into an invoice. Remember to delete or archive your draft if you don't intend to convert it into an invoice to ensure the continuity of accounting numbering! With manual numbering , you must confirm that your draft has a valid and sequential number before converting it. Click here to enable automatic invoice numbering. How to share a draft You can also send a draft invoice to your client. This provisional version, also known as a pro forma invoice , can be useful if you want to share a proposal or confirm specific details before issuing the final invoice. It's not mandatory, doesn't require any action from your client, and has no accounting impact. 💻 To do this, click Send the draft at the bottom of the computer screen, then enter your client's email address, customize your message, and click Send the email. If you prefer to share it via another channel, click the Copy the document link button and copy the link to your clipboard. 📲 From the mobile app, select the three small dots (at the top right), then Send the draft. Then, choose the channel through which you want to send it and customize your message.

https://help.qonto.com/en/articles/6531001-how-to-create-and-share-draft-invoices

What additional information should my customer quote include?

Depending on your location and legal form, it may be necessary for your customer quotes to contain certain additional information, in addition to the fields that you must fill in when creating a customer quote . This additional information can be related to your business, the product, or service that you provided, your customer, and/or the payment conditions. To see country-specific requirements, you can check these pages for France 🇫🇷 and Italy 🇮🇹 Mandatory fields The content of the quote may differ according to the specificity of the service envisaged. But as a minimum, it must mention: the date of the quote the name and address of the company the name of the client the start date and duration of the service, if applicable a detailed breakdown of each service and product, in quantity and unit price The cost of labour, if applicable (hour * hourly rate) travel expenses, if any the total amount to be paid excluding tax and including all taxes Indication of the delivery date of the service or goods Validity duration of the quote Some professionals must indicate their professional liability insurance You can easily add additional information to your quote by using the text box labeled Additional notes at the bottom of the “ Create a quote” page. The information that you enter here will appear at the bottom of your quote, and we’ll automatically save it so that you can easily reuse it on your next quote if needed. 🎉 All good? Take one final look, click on Save quote to create it, and send it to your client by email.

https://help.qonto.com/en/articles/7958908-what-additional-information-should-my-customer-quote-include

How to manage your customer quotes?

Once your quotes have been created on the Qonto interface, you can find them in your main quotes page. From this page you can manage and track all your quotes, for better control and visibility over your negotiations. Each line corresponds to one quote and displays its issue date, expiry date, status, and amount. Quotes display 3 different statuses, visible on your quotes’ list: Pending approval : Default status for quotes that have just been created and for which the status has not been changed. Approved : Quote marked as approved on Qonto Canceled : Quote marked as canceled on Qonto Click on a quote to see more details, manage the status, download it, or share it again with your client. 💻 Managing your quotes is only available via the web app. How to edit a customer quote? Editing a quote may be necessary when negotiating with your clients, for example to modify the terms of the offer. To edit a quote, you can click on it from your quotes’ list. Click on the Edit quote button to open the editing panel and modify the quote’s information. You can now Save your quote with the new information and share it again with your client. ⚠️ Only quotes that are Pending approval can be edited. Once a quote is transformed into an invoice, it is no longer editable. A quote remains editable until it is transformed into an invoice! If a quote Pending approval expires, you can edit the quote and extend the validity date, in agreement with your counterparty. How to mark a quote as Approved? To change a quote from Pending approval to Approved , you can click on it to open the quote panel. In the panel, click on the Mark as Approved button. ☝️ Important: It is not possible to revert the status of a quote that has been Approved or Canceled . Once approved, the quote assumes the value of a legally-binding contract with your counterparty. Any modification cannot be unilaterally made by the issuer and will need to be agreed upon with your counterparty. How to mark a quote as Canceled? You can also cancel a quote Pending approval . To do so, click on a quote to open the quote panel. In the panel click on Cancel quote . Once the quote has been canceled, you’ll still be able to download it, but you will not be able to share it with your client. How to create an invoice from a quote? To help you get paid faster and more easily, you can create an invoice from a quote that has been Approved. To create an invoice, you can click on an Approved quote from the quotes page. You can then click on Create invoice , and this will automatically create a draft invoice pre-filled with the information in your quote. Once you have confirmed the information in the draft invoice, click Create invoice to finalise the invoice and send it to your customer.

https://help.qonto.com/en/articles/7958897-how-to-manage-your-customer-quotes

How can I apply a VAT rate and custom labels to a supplier?

Do you have a Smart , Premium , Essential, Business or Enterprise package? You can add the VAT rate and custom labels to your supplier when adding a new beneficiary. You can also add this information on existing beneficiaries, or modify it, from the Suppliers tab of the Purchases section of your application. This tab lets you add this information more efficiently to improve your financial reporting. Adding this information to your supplier saves you time by allowing you not to add it at every transaction. You can therefore improve your financial management by categorizing your payment, and prepare your accounting work. How does it work? When issuing a transfer to a new beneficiary, you will be asked to add a VAT rate and a customized label to be applied. Need to change this information? The Suppliers section shows you the list of all your transfer beneficiaries. For every supplier, get: the number of transactions made, the VAT rate applied to these transactions, custom labels that you can assign. Do you wonder who are the beneficiaries to which you did not add this information? Use the section filters to retrieve them. How to add a VAT rate to a supplier? To make it easier to add VAT rates to your expenses, you can add VAT rates directly to a given supplier. Click on the row of the supplier to which you want to add a VAT rate. Select the VAT rate to apply. Click on the Edit button to apply your changes. Once a VAT rate is applied to a supplier, all the future transfers sent to this supplier will automatically be tagged with the VAT rate. If you need, you can still adjust it at the transaction level. ✌️ Note: If you made a mistake while entering the rate or decide not to apply a VAT rate, select the option Do not apply an automatic VAT to this provider . How to add a custom label to a supplier? Similar to VAT rates, you can assign custom labels directly to a supplier. Click on the supplier row. In the side panel, you will have two possibilities: If you haven't defined any custom label yet, you can visit the custom labels menu and define your labels, thanks to our tutorial 👉 right here . If you have defined at least one label, you can apply up to three labels to your supplier. You can still edit lists and labels by clicking on Modify in the three dots menu. Click on the Edit button to apply your changes. Access more information on custom labels in 👉 this article .

https://help.qonto.com/en/articles/4713395-how-can-i-apply-a-vat-rate-and-custom-labels-to-a-supplier

How to create a customer quote?

To help you negotiate with your clients and promote your services and products more easily, you can create customer quotes directly on your Qonto account. Unlimited quoting is available for: Smart, Premium, Essential, Business, and Enterprise plans (to find out how to change your current plan, click here ) For Owners and Admins To access quoting, log into your Qonto account from a desktop device and click on Invoicing > Quotes in the navigation bar. 💻 Creating quotes is only available via the web app. Create a new quote From the Quotes section, click on Create a Quote at the top right side of your screen. 1. Adding client information Adding client information to your quote is easy: simply create a new client or select an existing one on your Qonto account. Create a new client ​ If you’re creating a quote on Qonto for the first time, click on Add a new client or on the + button. - Select if your client is a company or an individual and fill in their details - You have the possibility to set the language in which the customer’s quote will be issued (English, French, Spanish, Italian, or German). - You can select a different currency to issue the customer’s quote and invoices, if not in Euro. - Once you’ve checked the information you have filled in is correct, click Confirm to save your client . Your client will now be saved, and you won’t need to re-enter their details next time. NB: To comply with rules around invoice language to French clients, we recommend choosing French when creating a client registered in France. Select an existing client ​ Click on the client that you wish to quote. 2. Creating the quote It’s now time to create your quote. Fill in the necessary fields as indicated on the screen: Issue date and Expiry date Quote number Item: You can add different items that correspond to the products and services that you’re quoting your client for. Every item should contain a title, description (optional), quantity, unit price, VAT rate, and discount (optional). If you wish to add additional information, you may use the field labeled Additional notes . This can be useful if you wish to add information such as payment conditions, sector-specific laws, any deposit requirements, or additional details about the product or service you are quoting for . The additional notes will be reusable for all your subsequent quotes so that you don’t need to fill in the information each time you create a new document. 3. Customising your quotes You can customise your quotes by adding your logo (if you have one), choosing an issuer email address, and numbering settings for your documents . You can click on the Settings button at the top of the screen to customize all these aspects. From here, you can: add your logo in JPEG or PNG (file size shouldn’t exceed 5MB maximum) add the email address that you would like to display in your quote. select the numbering method for your quotes. See this article for more details on how to manage your document numbering. ☝️ Important: Please note that these changes will apply to all future documents , and can be modified again at any time from the Settings page. No changes will apply to documents that have already been issued. Sharing your quote You can share your quotes via email. Select the quote you wish to share, click on Send quote and fill in your recipient’s email address. You can add multiple addresses (separated by a comma) and set a custom subject line and message. To facilitate tracking, you can add yourself in copy of the email by ticking the checkbox at the bottom of the page. When you’re done, click on Send . 👉Do you want to edit a quote? Or mark a quote as approved or canceled? You can refer to this article .

https://help.qonto.com/en/articles/7958842-how-to-create-a-customer-quote

How to set up your documents' numbering?

💻 Managing your documents’ numbering is only available via the web app. Set up automatic numbering From the Invoices or Quotes section, click on Settings at the top of your screen. You will be displayed a Settings page to automatically set up the document's numbering. If you are creating your first document, or you are switching to Qonto from another provider, you will simply have to enable the automatic numbering toggle and insert your desired numbering pattern for invoices and quotes. We will then automatically generate all your next document numbers. In case you are already using Qonto to issue your invoices, we will automatically detect your last invoice number or quote number, and generate the next number in the sequence. Click Save changes and your set-up is completed. We will now generate unique and sequential numbering for your invoices, quotes, and credit notes so that you will not have to worry about this anymore. ⚠️ For compliance purposes, we recommend you number your invoices sequentially and chronologically. You should not have duplicates or skips in your numbering sequence. Selecting automatic numbering can help you comply with regulations and create professional documents. Manual document numbering In case you need to insert a specific invoice or quote numbers or the automation does not fit your needs, you can select the manual numbering at any time: Click on the Settings page and disable the automatic numbering toggle Click on Save changes and your set-up is completed. You can now customize your document numbers according to your needs. If you want to revert to the automatic numbering, you can easily do it from the Settings section. 💡 Matching your invoices to incoming payments If you want to match your invoices with incoming payments using invoice numbers, your invoice number must follow a certain pattern: Prefixes recognized Complete invoice patterns recognized FA PREFIX-yyyy-number FAC PREFIX-(yyyy)-number FACT PREFIXyyyynumber Facture PREFIX(yyyy)number RE PREFIXyyyy-number INV PREFIX-number Invoice PREFIX-yyyy-mm-number QON PREFIX(yyyy)mm-number QTO yearnumber FQ year-number N yyyy-mm-number year/number yyyymm/number

https://help.qonto.com/en/articles/6616235-how-to-set-up-your-documents-numbering

How to fill or attach missing VAT to a transaction?

Companies with a Smart, Premium, Essential, Business or Enterprise plan can benefit from our automatic VAT detection . The transaction amount and the VAT rate applied are automatically detected thanks to our algorithm, and you just have to confirm. You can also add your payment receipts and VAT rates to the transactions, directly from your app. 💡 Note: If several VAT rates are applied to one transaction, you can click on “add VAT” and add up to 8 VAT rates on one transaction. What can I do in case of a missing VAT? In case a VAT rate is missing for a transaction, you have two options to complete the information: you can fill in the missing information at the transaction level or at the supplier level. Check out 👉 this article to add the VAT at the supplier level. How to add the VAT rate at the transaction level? You can add or modify a VAT rate to each transaction. Click on Filters Select VAT as value, choose “is any of” and “missing” as criteria Select a transaction and enter VAT data on the right side section of your interface. Collect the VAT to prepare your accounting Considering the entire team's workload, automated VAT detection and entry is a major time-saver for your company. ☝️ Note: If several VAT rates are applied to one transaction, you can find them in the Others section while filtering your transactions. 💡 Tip : You can automate the setting of your VAT rate by attaching a single rate per supplier, within the Suppliers tab of the Purchases section. Learn how with 👉 this article !

https://help.qonto.com/en/articles/4359609-how-to-fill-or-attach-missing-vat-to-a-transaction

How does automatic VAT detection work?

To facilitate and secure VAT data entry, companies with a Smart, Premium, Essential, Business or Enterprise plan can benefit from our automatic VAT detection. 💡 Automatic VAT detection also works on your receipts sent using our forwarding email address feature! The automatic VAT detection, how does it work? Scan the transaction receipt with your smartphone after your payment, or attach the corresponding file (JPEG or PDF) from your computer. ​ Our algorithm detects the transaction amount, and the VAT rates applied. Next thing you know, the information will pre-fill within the interface. To avoid errors, all VAT data pre-filled by the algorithm must always be confirmed by the user. Although an error in the automated VAT detection is unlikely to occur, this confirming step allows you to avoid any accounting errors related to a false VAT detection. VAT data won’t be extracted into the CSV or into your accounting tools connected by API if users haven’t confirmed the rate and the amount. 👆 Good to know: If the VAT is missing in one of your transactions, have a look here , we explain to you how to fill in a missing VAT. Once the VAT is confirmed or entered manually, users can modify it anytime in case of error and select the right VAT rates corresponding to the transaction.

https://help.qonto.com/en/articles/4359612-how-does-automatic-vat-detection-work

How does Qonto subscription VAT work?

Is your company registered in France? This is an indirect tax that companies collect on behalf of the State. That 20 % added to your Qonto subscription cost is deductible from the VAT that you collect (too) on behalf of the State as part of your activity. Our advice is the following: keep your Qonto invoices in a safe place! They will be useful for this precious equation: VAT collected - deductible VAT = VAT to pay Is your company registered in Italy, Spain, or Germany? Companies that are not registered in France are exempt from French VAT. We need to know your intra-community VAT number. Please contact us , so we can help you. Of course, this isn't tax advice (there are other experts for that), we're just sharing a good practice that could save you a few euros. Small streams make big rivers.

https://help.qonto.com/en/articles/4359670-how-does-qonto-subscription-vat-work

How can I safely delegate the management of Supplier invoices to my team?

When the Supplier invoices permission is enabled, the Manager can assist with the collection, review, and payment of supplier invoices (either directly or by requesting a payment). ☝️ The Manager role is only available on the Business and Enterprise plans. What can a Manager with Supplier invoices permission do On desktop and mobile Upload invoices with Drive, drag-and-drop, or bulk upload View, download, and delete the invoices of the whole company Edit the invoice information scanned by Qonto (e.g., IBAN, Supplier name) and add missing details to prepare the payment On desktop only Pay by transfer all the invoices or up to their monthly or per-transfer limits (which are set beforehand) Mark invoices as paid and match them with an existing transaction Request payment for invoices in euro directly in the Supplier invoices section, in case: the Manager doesn’t have transfer permission the amount of the invoice exceeds the Manager’s monthly or per-transfer limit The request will be sent for approval to the Owner, Admin, or another Manager who will be able to review it both from the Supplier invoices section and the Requests section. 💡To discover more about Supplier invoices and their request flow click here . How do I allow Manager roles to access Supplier invoices? Invite a new Manager To add a new Manager and give them Supplier Invoices permissions: From the navigation bar on the bottom left, click on Team expenses > Team members User Management > User access Hit the Invite a team member button Select Manager Select the whole company as the scope of their permission. Indeed, only Managers with company-level scope permission will be able to access the Supplier invoices section Choose their expense permissions Enable the “ Upload and set up supplier invoices” permission to let them collect and edit supplier invoices, and request their payments Enable “ Make and approve transfers, and reimburse expense reports” to let them pay supplier invoices directly. Note that if you set transfer limits, above such limits transfers will require Admin, Account holder or Manager approval Activate Supplier invoices for an existing Manager with the whole company scope permissions From the navigation bar on the bottom left, click on Team expenses > Team members User Management > User access Select the manager you’d like to apply this permission to In Expense permissions hit the pencil icon on the right-hand side Enable the “ Upload and set up supplier invoices” permission to let them collect and edit supplier invoices, and request their payments Enable “ Make and approve transfers, and reimburse expense reports” to let them pay supplier invoices directly. Note that if you set transfer limits, above such limits transfers will require Admin, Account holder or Manager approval Hit confirm to apply these permissions Activate Supplier invoices for an existing Manager with Team scope permissions From the navigation bar on the bottom left, click on Team expenses > Team members User Management > User access Select the manager you’d like to apply this permission to In Scope , if Team is listed, hit the pencil icon on the right-hand side to change the Manager’s scope to The whole company . In Expense permissions hit the pencil icon on the right-hand side Enable “ Upload and set up supplier invoices” permission to let them collect and edit supplier invoices, and request their payments Enable “ Make and approve transfers, and reimburse expense reports” to let them pay supplier invoices directly. Note that if you set transfer limits, above such limits transfers will require Admin, Account holder, or Manager approval Hit confirm to apply these permissions How do I revoke the Supplier invoices access from a Manager? From the navigation bar on the bottom left, click on Team expenses > Team members User Management > User access Select the manager whose permissions you’d like to change In Expense permissions hit the pencil icon on the right-hand side Disable “ Upload and set up supplier invoices” permission to remove access to the Supplier invoices section Hit confirm to apply these changes

https://help.qonto.com/en/articles/7206539-how-can-i-safely-delegate-the-management-of-supplier-invoices-to-my-team

How to use the custom exports?

This feature is only available to our Smart , Premium , Essential, Business, and Enterprise customers. Custom exports allow you to customize your export with the data that fits your business needs. You can also save this custom export as a template for future exports, saving you critical time. All of your custom export templates will be available when selecting “Export Transactions” in the History section. How do you create a custom export template? To create a custom export template, go to the Transactions section of the Qonto app on Desktop. From there, click on Export Transactions and then on Create export template . Here, you will be able to name your template, select the format you prefer (Excel or CSV), and choose the columns you need to display. 💡 Tips: For the CSV format, you can also choose between a semicolon and a comma separator. 👉 For more information about what do the fields of the ‘full Export (CSV format)’ mean, click here . Don’t forget to click on Create template to save your custom template. Your template will appear on your export page, under Export type. Don’t forget: Your export template will be available to all members within your organization. How do you customize your template? In Columns, choose the data you want to have in your export template. By default, 3 columns are proposed: settlement date (UTC), Counterparty name and Total amount (incl. VAT). In addition to these, you can select from an extensive list of other columns to apply. Save time by searching for the columns you really need. Rearrange your columns by using the drag-and-drop option. If you don’t need a column, simply remove it by clicking on the trash icon. 👉 Good to know: Some columns are unavailable for Managers with limited permissions because they display information to which they do not have access. Contact your Admin or Owner to update your permissions, if needed. As a final step, you will have the option to include in your template the declined, canceled, and reverted transactions. By default only executed and processing transactions will be included in your template. How do you use a custom export template? Filter in Transactions the transactions you want to export. Discover how to do so in 👉 this article . Click on Export transactions and then choose the custom export template you want to use. Discover how to do so in 👉 this article . How do I edit or delete a custom export template? On the export page, click on the pencil that appears in the top right-hand corner of the export template that you want to edit. To delete a template, simply click on the trash icon. 👉 Good to know: The export types proposed by default can’t be modified or deleted.

https://help.qonto.com/en/articles/8002095-how-to-use-the-custom-exports

How to create a credit note on Qonto?

A credit note is a document from a seller to a buyer that reduces the owed amount for a product or service. It can be for full or partial amounts, and multiple credit notes can relate to a single invoice. Reasons to issue a credit note include product returns or incorrect invoice info. 💡 By law, invoices can't be modified or deleted once issued. A credit note is crucial to cancel an invoice partially or fully, allowing a new, accurate one. How can I create a credit note? If your invoice is unpaid: Go to the Invoicing section, in Qonto, on a desktop. Pick the invoice, click on Cancel with credit note . Enter the required details: Credit note number: if you've set up automatic invoice numbering , your credit notes also get automatic numbering. For manual invoice numbers, assign credit note numbers manually. ​ 💡 If you're using manual numbering and have issued credit notes elsewhere before, make sure Qonto's credit notes are numbered sequentially. For instance, if your last note elsewhere was CN-1, your first Qonto note should be CN-2. Customize credit note numbers in Settings by using manual invoice numbering when creating an invoice. Issue date Additional details (optional) Note that for credit notes issued from unpaid invoices, the Items section stays unchanged and can't be edited. It is not possible to cancel partially an unpaid invoice. If your invoice is already paid: Pick the invoice and click on Create credit note . Enter the required details: Credit note number (manual/auto) Issue date Items: List items for cancellation. Adjust quantity, price, VAT for partial credit notes . Additional details (optional) When ready, click on Create credit note . After creation, credit notes can't be canceled. You can share it via email or link. 💡 If you make a credit note with a lower amount by mistake, create a second one. A full credit note cancels an invoice's status, whether it was paid or unpaid. Paid invoices with a partial credit note, rest as Paid . Invoices with credit notes appear with a small credit note icon. To see, open the invoice and click on Credit note in the Related document(s) section. Can I create debit notes on Qonto? You can only make credit notes on Qonto right now. If you billed less than what's owed, create a new invoice for the remaining amount. You can also add a short explanation in the optional Terms, conditions, and legal notices' field on the invoice if needed.

https://help.qonto.com/en/articles/6788202-how-to-create-a-credit-note-on-qonto

What is the Accounting hub and how does it work?

Keep all your company’s bookkeeping in one place, request any missing supporting documents in a few clicks and retrieve your Qonto data on your preferred accounting tool. Access all your organizations from the Accounting hub : either type the name of the organization you’re looking for into the search bar, or click directly on it in the sidebar menu. On the selected organization’s page, you can complete all the required actions to complete your bookkeeping. Who can access the Accounting hub? All users with at least one Accountant role have access to the Accounting hub . This means that all roles can potentially access it. However, the information displayed differs according to your role: Admin , Owner and Accountant roles have full access. Manager and Employee roles have limited access. If you have a Manager or Employee role and would like full access, ask the account’s Owner or Admin to upgrade your role. 👆If your Qonto accounts are split between different email addresses, you may want to consider grouping your various accesses under the same email address. How do I access the Accounting hub? After logging in, you’ll arrive directly in the Accounting hub . If you click on a given company and then wish to return to the Accounting hub , use the drop-down menu in the top left of your screen. 👆 The Accounting hub is only available on desktop devices. How do I analyze transactions at a glance? When you select a company, you have access to each of the 10 custom views that can be set up on the Transactions page. Click on the custom view you want to see and you’ll be redirected to the Transactions page. You can also go directly go to the Transactions tab by clicking on “ Show all” . Check out this dedicated article to learn more about custom views . 👆 Pro tip: Request all missing attachments in one go Set up a custom view of transactions with missing attachments on the Transactions page of the company Select all transactions by checking the box in the top left corner of the transaction table. Click on " Request receipts" on the right-hand side of your screen, and then " Apply" - Qonto will do the rest. How do I retrieve account statements autonomously? Access a specific companies’s account statements for all its current and closed accounts. You can download the latest account statement directly just by clicking on it. If you want to see more account statements, click on “ Show all .” ​ ​ How to export transactions or supporting documents? Click on “ Propel your productivity” to install an integration with your preferred software (Cegid Expert, ACD, Fulll and 10+ other platforms). Check out our dedicated article to learn more about installing each integration. Only for the 🇫🇷 Market: users with more than 3 Accountant roles will see a jedeclare card from the Accounting hub . This card will disappear as soon as the EBICS connection with jedeclare is set up. 👆 Pro tip: set up an EBICS connection between jedeclare and Qonto within 24 hours from the Accounting hub section, or from the Integration section. Check out our dedicated article to discover more. Can I revoke my access to a Qonto account? It’s not possible for a user with an Accountant role to independently revoke their access to an account. To have your access revoked, you’ll need to contact the account’s Owner or Admin . This policy ensures an organization’s financial information remains secure and confidential.

https://help.qonto.com/en/articles/7142084-what-is-the-accounting-hub-and-how-does-it-work

I have a circularization letter request, can I send it to Qonto?

If your auditor sends you a circularization letter to be completed by your bank, simply send it to us in PDF format. We will then complete it for you. 😊 To do so, contact us via chat by logging in to your Qonto account and clicking on the bubble in the bottom left corner. 💬

https://help.qonto.com/en/articles/5028389-i-have-a-circularization-letter-request-can-i-send-it-to-qonto

How to automate the transfer of your digital receipts and invoices to Qonto?

Take a few minutes to set up the automation and save hours by automatically attaching your regular payments with the right receipt to your Qonto account. This magic trick facilitates our feature that lets you automatically pair your receipts received by email to the right transactions when you transfer them to your dedicated Qonto address . It works for the majority of email accounts. Let’s take the example of Gmail: the idea is to make sure that when you receive a recurring email (that you receive every month, quarter, year, etc.) containing an invoice or receipt, Gmail forwards it directly to your dedicated Qonto address. ☝️This magic trick also works for receipts as well as paid / unpaid supplier invoices. Firstly, save your dedicated Qonto address as a forwarding address in Gmail so that it can then be used as a forwarding address. In the “Forwarding and POP/IMAP” section of your Gmail settings, click on the grey rectangle “Add a forwarding address” and enter your dedicated Qonto address ( find it here ). Click “Next”, then “Proceed”. A confirmation code has been sent to verify permission. Click “OK”, then find the code in your current email inbox, opening it in a new tab or new window to avoid having to restart the process. The code is made up of 9 digits and you just need to copy it. Back in your original window, paste the code in the dedicated text field and click “Verify” Perfect, your Qonto address is now recognized by Gmail. Now it’s time to create our filter! In the “Filters and Blocked Addresses” section of your Gmail settings (just before “Forwarding and POP/IMAP”), click “Create a new filter” Enter the email address that the service you pay for regularly uses to send you digital invoices, like for software for example. Tick the “Has attachment” box, as the emails we need have the receipt or invoice attached that we want to send Next click “Create filter”, and then “Add forwarding address”. Here, select your dedicated Qonto address. Then click one last time on “Create filter” and you’re done! All that’s left to do is check, via the email confirmation we’ll then send you, that each paired attachment is correct. You can repeat these steps for any service provider that regularly sends you receipts. 💡 Good to know: Find any receipt or invoice that wasn’t automatically match in the Supplier Invoices section.

https://help.qonto.com/en/articles/5753467-how-to-automate-the-transfer-of-your-digital-receipts-and-invoices-to-qonto

How does the forwarding email address work?

For optimized management of digital receipts and invoices, these can be forwarded to us directly by email, to a dedicated Qonto address. We pair them with their corresponding transactions automatically in your application, so you no longer need to add them to Qonto manually. ☝️ This feature is available for our Smart , Premium, Essential, Business and Enterprise packages, and for outgoing payments only. What about paper receipts? If they have been uploaded to your Qonto application after December 2020, they can be stored and certified with the same legal value as your digitised receipts. Read this article to learn more. How does it work? When a supplier emails you an invoice or receipt, you can forward it directly to your company’s unique Qonto email address. You can find this address on your Qonto web application, under Settings > Tools customization > Receipt forward. Be sure to send these documents from the email address you use in Qonto, as an external address will not be recognized. 💡 You can also whitelist another email address if you prefer to forward your receipts from your company’s billing address, for example. To do so, simply go to your Qonto web application. Our algorithm detects this information automatically and pairs the receipt with its corresponding transaction. It then magically appears in your Qonto application! As an added bonus, the VAT is detected and applied to the transaction in Qonto automatically 😉 For receipts contained in the email body instead of an attachment (an Uber receipt, for instance), we convert it to a PDF and associate it with the transaction. 3 possible scenarios Once we’ve received your receipt by email, there are 3 possible scenarios: In the majority of cases, we're confident that the receipt will be paired with its corresponding transaction. We'll send you a confirmation email with a link to your Qonto web app, so you can make changes if necessary. If we have doubts about the matching of a receipt, we'll send you suggestions for potential transactions. All you have to do is click the link provided to select the correct transaction. The suggested receipts are also displayed from the transaction on Qonto. If we're unable to find a transaction for the receipt, we'll let you know by email. In this case, you can either: retrieve the receipt and match it to the right transaction from the Supplier invoice section download the receipt and attach it manually from the Transactions section 💡 Good to know: If an invoice is forwarded before the transaction is completed, you can still forward us the document. We will pair it with the transaction automatically once it has been completed.

https://help.qonto.com/en/articles/5045700-how-does-the-forwarding-email-address-work

What do the fields of the 'full Export (CSV format)' mean?

Your extended CSV is pretty extensive. Here are the fields you'll find inside, and how they can be useful to you at the time of export. Field name What data does this field contain? Status The status of your transaction. It can include the values processing or settled . Transaction ID The unique reference of your transaction. Operation date (UTC) The date and time at which the payment took place , according to the UTC timezone. Operation date (local) The date and time at which the payment took place , according to your user's timezone , defined in your settings. Settlement date (UTC) The date at which the transaction impacted your account's settled balance, according to the UTC timezone. This field is empty for processing transactions. Settlement date (local) The date at which the transaction impacted your account's settled balance, according to your user's timezone, defined in your settings. This field is empty for processing transactions. Counterparty name The name of the counterpart. For a card payment, it is the merchant's name. Payment method The payment method used to perform the transaction. It can be a card , transfer , subscription_fees , direct_debit or check. Initiator The initiator of the transaction. That's the cardholder of the card used for the payment, or the person who initiated or requested the transfer. This is empty for incoming transfers and direct debits. Category The category assigned to the transaction. Reference The reference of an outgoing or incoming transfer. This field is empty for other transaction methods. Note The internal note attached to the transaction. Total amount (incl. VAT) The amount of the transaction. Currency The currency of the amount. Qonto only offers EUR payment accounts, so this value is always EUR. Total amount (incl. VAT) (local) The amount of the transaction in the original currency the payment was made. For a payment in EUR the value is the same as amount . Currency (local) The original currency in which the payment was made. (e.g: USD) Total VAT amount The amount of VAT , in EUR Attachment The names of the files attached to the transaction, so you can easily find them in your attachments export. Custom_label_1 The name of this field varies depending on the custom label you defined. It is empty unless you specified a label on that transaction. Custom_label_2 Same thing as custom_label_1 Custom_label_3 Same thing as custom_label_2

https://help.qonto.com/en/articles/4359527-what-do-the-fields-of-the-full-export-csv-format-mean

How to manually upload a receipt or an invoice on a Qonto transaction?

With Qonto, you can provide supporting documents for your accounting by manually attaching invoices and receipts to your transactions, directly from your Transactions section of your Qonto apps. 💡 If you want to import several invoices at the same time or import an outstanding supplier invoice, you can also use the Supplier Invoices section of your Qonto app from your computer, forward your invoice(s) to Qonto by email or also connect your favorite cloud storage solution - Google Drive or Dropbox . Since December 2020, Qonto keeps and certifies your uploaded receipts with probative value. What does it mean? In detail, it means that your paper and digital receipts have exactly the same legal value. Take a look at this article to know more about it. How does it work? Upload a receipt or an invoice directly from a transaction. 📲 From your mobile app : Go to the Transactions section, Click on the transaction of your choice and have a look at the Receipts section on your right Upload your file in the small box under Attachments / Receipts and voilà ! Or, you can upload your receipt/invoice directly from the home page by clicking on the shortcut Scan receipt. We will automatically attach it to the corresponding transaction. ☝️ Good to know : if you have a Solo Smart or any superior plan, you can retrieve your uploaded receipts/invoices in the Supplier invoices section (not available for Solo Basic plan). 🖥️ From your computer : Go to the Business account > Transaction section Click on the transaction of your choice and take a look at the Receipts section on your right Upload or drag your file in the small box under Attachments / Receipts and voilà ! 💡 You can add up to 5 receipts per transaction. If you need to add more receipts, we advise you to merge your receipts into one unique document and add it to the transaction. ☝️ Good to know: You are an Admin of your Qonto account? Keep in mind that you can ask your team members to upload a receipt by simply clicking on Request receipts , on the transaction of your choice. What can I do if a transaction doesn’t need a receipt nor invoice, or if I lost the receipt ? Don't worry! To be sure this receipt won't be requested anymore, you can report it as not required or lost. To do so, follow these few steps from your computer : Go to the Business account > Transactions Click on the transaction of your choice Go to the Attachments/Receipts section Click on the icon “…” displayed on the top right Click on Attachment not required or Receipt lost 💡 Good to know: If several transactions do not require receipts or if the receipts are lost, simply select the relevant transactions and choose Not required or Required but lost in the Attachments/Receipts column. How to delete a receipt or an invoice ? You've already attached a receipt to your transaction but want to delete it? It's easy! Just click on the icon at the right of your file, and confirm your choice by clicking on Delete .

https://help.qonto.com/en/articles/4359639-how-to-manually-upload-a-receipt-or-an-invoice-on-a-qonto-transaction

How to review my transactions for accounting?

Whether you are independent or in a company, the transactions review process ensures that everything is correctly prepared for accounting. Several parameters need to be considered: Receipts are attached to correct transactions VAT amount is captured Right categories and labels are applied At Qonto, we ease your bookkeeping preparation so that you can concentrate on what matters for your business. Step 1 - Filter your transactions Go to the Transactions section of your Business account. Filter more precisely by creating custom views, adding multiple criteria , clicking on Filters . You will be able to set up filters once and have access to it each time you connect to Qonto. ☝️ You can access several types of transactions using the "or" condition. All relevant transactions will be displayed at once! For example: Filter "transactions of more than 50euros" OR "the ones updated last week AND the ones from the marketing category". Step 2 - Verify your transactions When you click on a transaction, a side panel appears. You have access to a full screen verification module by clicking on the receipt attached to the transaction. You don't approve the transaction: If there's any other missing info (VAT, labels), you can add them or contact the person to add them. You approve the transaction: Click on Mark as verified at the end of the side panel. Your transaction is ready for accounting! ☝️ To save time, you can use the default view "To verify" and select multiple transactions at once, and apply Mark as verified on the whole selection (only available on the web app). Note that this new feature is available from the Smart plan and above. How to access all the mark as verified transactions? In the Transactions section, filter: Verification and is done . You'll get the full list of verified transactions. ​ 💡 Filters are accessible for all ! However, bookkeeping functionalities (Request attachment, Mark as verified) are only accessible from the Smart Plan. You can upgrade to an advanced plan by going in the Settings to the Billing and invoices section 💡 Did you know you can give viewing access to your accountant directly? This will ease your interactions! 👉 How can I give access to my accountant? 💡 All team members, on Essential , Business and Entreprise plans, will be reminded to upload their receipts in case they have transactions without receipts .

https://help.qonto.com/en/articles/5480988-how-to-review-my-transactions-for-accounting

How do you manage your receipts over time in your Qonto account?

With Qonto, you have the ability to attach a receipt to each of your transactions, directly from your web or mobile app. As of December 2020, receipts deposited on your Qonto app are stored and certified as evidence from the Smart plan. What does this mean? Quite simply, your paper receipts and digitalized receipts have the exact same legal value. You are therefore free of paper receipts, while remaining in compliance with the law and the administrations concerned. Take a look at this article to learn more. As an added bonus, to make entering VAT information easier and more secure, businesses with a Smart, Premium, Essential, Business or Enterprise plan can enjoy automatic VAT detection when adding their receipts to the Qonto account. The Qonto algorithm detects the amount and rate of VAT applied on the receipts and pre-enters the information in the interface. We explain everything here . How to associate a receipt to my transactions? To deposit a customer or supplier invoice on your Qonto application, you have two options: From the mobile application , take a picture of your receipt, select the corresponding transaction in the History tab and click on Add under the heading Receipts. From your computer , in the navigation menu, click on Business account and select the Transactions section. Choose the transaction in question, then look at the Receipts section on the right. In the little box under Receipts , drop your file and you're done! If you are an Owner or Administrator and have a Smart, Premium, Essential, Business or Enterprise plan, you can also add your supplier invoices: From your computer , via your Supplier Invoices space by importing all the invoices of your choice, paid or to be paid, using the Add an invoice button From your mailbox, by transferring directly your supplier invoices to your Qonto e-mail address unique to your company From your online storage space, automatically importing all your invoices by connecting your account to Google Drive or Dropbox . The Account holder and team members are reminded every week to upload their receipts if they have some transactions without attachments . (available only for Team plans , more details here ) 👆 All invoices already paid and imported via any of these three methods are automatically associated with the correct transactions in your Transaction section.

https://help.qonto.com/en/articles/5440818-how-do-you-manage-your-receipts-over-time-in-your-qonto-account

How can I export my transactions?

If you have an Admin, Manager, or Accountant role, the Transaction section in your Business account allows you to export your transactions (or those of your team if you are a Manager). In the Transaction section you can easily filter transactions by date, payment method, member, amount, custom label, and more. When exporting your transactions, you can choose to download: Some transactions by using filters, custom views or the search functionality All transactions Their dedicated attachments 👆 Good to know: These actions are not available for users with Employee role. If you have a Manager role with the scope Team, you can export transactions for your team only. The matching you have done in Qonto will be reflected in the “ Attachments ” column where you will see the name of the document(s) that has been matched to each transaction. Exporting your data This feature is available to all plans. To finalize your export , just select a file format corresponding to your needs. The following types of formats are available: Full data (Excel or CSV): includes all information related to your transactions. This will only export executed and processing transactions. Simple data (Excel or CSV): includes only 3 columns: settlement date, counterparty name and amount. This will only export executed transactions. This is the closest format to your bank statements. OFX: this format is used by accounting tools such as Quadratus, Isacompta, Xero or Cador. This will only export executed transactions. Keep in mind that you will need to set up Qonto as a bank account within those tools prior to importing the OFX file, or the import could fail. QIF: this format is used by accounting tools such as Xero, Cegid or Sage. This will only export executed transactions. MT940 (for German organizations): this format is used to transmit account statement data. This will only export executed transactions. TeamSystem (for Italian organizations): this format is also used to transmit account statement data. This will only export executed and reverted transactions. Also, there is no time limit on how far you can go back in your transaction history when exporting your transactions from your Qonto account. Please note that you can download exports up to 10,000 transactions at a time. 💡 Instead of manually exporting and importing your transaction data, you can try one of our app integrations, which will keep your information synced between Qonto and your preferred third-party tool. The list of available integrations can be found here . Related articles: How to import CSV file into QuickBooks How to import QIF file into Xero How to import CSV file into Sage How to import CSV file into Excel 💡 For users on our Smart plan and above, Qonto offers the possibility to create custom export templates. For more details about this feature, don’t hesitate to consult this FAQ .

https://help.qonto.com/en/articles/4359644-how-can-i-export-my-transactions

How to filter my transactions?

In the Business Account section , you'll find that you can easily filter transactions by date, payment method, member, amount, analytic labels, and more. It is also possible on mobile to filter by "My transactions”, “Missing receipts” or “Method” (cards, transfers, direct debits, checks). You can add as many criteria as you like, using the "and" / "or" conditions. E.g.: transactions over €50 "or" updated last week. You can also create, update or delete custom views that exactly fit your business needs. Indeed, by clicking on "Add a custom view" from the view list, you will be able to define the name & query of the new view. This new view can be edited at any time. Once the update is done, you just have to click on "Save and apply". You also have the possibility to filter your transactions by using the search bar at the top of the page. Once you're satisfied with your filter selection, you can export up to 10 000 transactions to another software. 💡The filters, the custom views and the search bar you set at this stage will impact your final export. Here are a couple of examples of how you can use filters: Export transactions of a certain period: If you'd like to export your transactions from last month: You can filter by date and set the values From: to the first day of the month and To: to the last day. Use the Status: Executed, to exclude all pending, declined, canceled and reverted transactions. Make sure you apply the filters to the export settings. See all your income or expenses: To do so, you can filter through amount: To see income sources only: input "0" in MIN. AMOUNT. So that only >0 transactions will be displayed in the results. To see spendings only: input "0" in MAX. AMOUNT to display <0 transactions in the results. You can then automatically remind employees who have not submitted their receipts by clicking on Request a receipt . Prepare your accounting You can speed up your bookkeeping by attaching your receipts to your payments. To quickly identify the transactions with a missing attachment, you need to use the "Missing receipt(s)" filter. ☝️ Good to know: You can then automatically remind employees who have not submitted their receipts by clicking on Request a receipt . You can also use our default view entitled "To verify" in order to verify that you have the right document, VAT rate, label for all transactions up-front and limit the number of future interactions with your accountant. This view is available from the Smart plan and above ☝️ Good to know: From the Smart plan, the VAT rate is automatically detected when you add a receipt.

https://help.qonto.com/en/articles/4359613-how-to-filter-my-transactions

How to automate the processing of my receipts with Qonto?

Automatically associate all your invoices and receipts to the right transactions in Qonto and save valuable time on your bookkeeping. 👉 Customer invoices can only be manually associated to your transactions from your Business account > Transactions . How does the automatic processing of receipts work? Qonto can process any supplier invoice or receipt imported from your Supplier Invoices section, transferred from your email box or imported from your online storage space, Google Drive or Dropbox . When imported, invoices are automatically scanned by Qonto. Optical Character Recognition (OCR) extracts all the important information contained in your document, and our algorithm analyzes this information to associate the invoice with one of your outgoing payments. 💡 We even automatically extract the VAT for you! How to import a supplier invoice or a receipt in Qonto? Import all your receipts, regardless of their origin: From your computer, use your Supplier Invoices section to download multiple invoices at once, either paid or unpaid. Forward your invoices received by email to your forwarding email address . You can even automate the transfer of your digital receipts from Gmail to Qonto. Connect your cloud storage solution directly to your Qonto account, in order to automatically import all your invoices and receipts from your Google Drive or Dropbox folder. 👉 These features are only available for Smart and higher plans. Invoices and receipts added manually to a transaction from the Business account section will not appear in your Supplier invoices section. What if my receipt was not automatically matched to the right transaction? If no corresponding transaction can be found, you can attach the invoices to the right transactions manually: From your computer, click on the Invoices menu and then access your Supplier invoices section. In the Imported tab, visualize all the invoices that could not be automatically attached to a transaction, sorted by due date. Click on the invoice you wish to link to an existing transaction, and then on the Mark as paid button. Select the transaction you wish to associate your receipt with, or click on Continue without transaction if you don't wish to associate it with any. 💡 Good to know: Unpaid invoices also appear on the Imported tab of your Supplier Invoices section, to help you streamline the management and payment of your upcoming payments. (Read more) If your invoice or receipt is neither accessible from the Imported tab nor the Processing tab of your Supplier Invoices section, please verify that your document does not exceed 15 MB and that all the important information on your invoice is legible (e.g. VAT number, amount, etc.). You can then try to re-import the invoice or download it directly in your Business account >Transactions by clicking on the corresponding transaction.

https://help.qonto.com/en/articles/6511315-how-to-automate-the-processing-of-my-receipts-with-qonto

How can I use the transactions exported from Qonto in Google Sheets?

Information about your transactions is uploaded to Google Sheets automatically, so you can complete more detailed analyses of your past transactions and manage your finances as you see fit. Need help using the Google Sheets file that contains your exported Qonto transactions? This article provides you with a step-by-step guide. How do I use the data exported to Google Sheets? To use your exported Qonto transactions in Google Sheets, you will need to change the date of your transactions, as this is still unavailable in Google Sheets. Keep in mind that the Sync. Transactions - Do not edit tab cannot be modified directly to protect against any accidental changes. If you modify this tab, the connection will be suspended, and your transactions will no longer be imported automatically. Step 1: Duplicate your transactions in another editable spreadsheet Log in to your Google Drive account and open the Google Sheets file created when the integration was installed. To quickly locate the file, enter type:spreadsheet "Qonto Connect -” in your Google Drive search bar. Create a new spreadsheet by clicking on + at the bottom left of your screen, then click on the A1 cell and enter =(importrange Add the URL of your spreadsheets in quotation marks, for example: “ https://docs.google.com/spreadsheets/d/1MJud6TQOxS5VlRe0BlXKHm5QIeLVivSDv9Ukc/edit?usp=sharing” In the same formula, add a comma, and copy-paste "'Sync. transactions - Do not edit'!A:AZ” , then click Enter . Your imported Qonto transactions have now been duplicated in another spreadsheet. ⚠️ Keep in mind: Avoid editing columns in which data are imported via the =importrange feature, as this will cause the synching of your Qonto transactions to stop. Read this article for more information about the =importrange feature. Step 2: Change the date of your transactions automatically In the spreadsheet you have just created, click on the first empty cell at the right of your screen in line 1, and enter the formula =ARRAYFORMULA(split(F2:F," ")) in which the F column corresponds to the settlement_date_local column. Click on the first empty cell at the right of your screen in line 1 and enter =ARRAYFORMULA(REPLACEB(AI2:AI,3,1,"/")) , then replace AI2 and AI with the coordinates of the cell you have used to populate the previous formula ( AI2 and AI in the example below). Click on the first empty cell at the right of your screen in line 1 and enter =ARRAYFORMULA(REPLACEB(AJ2:AJ,6,1,"/")) , then replace AJ2 and AJ with the coordinates of the cell you have used to populate the previous formula ( AK2 and AK in the example below). Finally, click on the first empty cell at the right of your screen in line 1 and enter =ARRAYFORMULA(RIGHT(AK2:AK, LEN(AK2:AK)-3)) , then replace AK2 and AK with the coordinates of the cell you have used to populate the previous formula ( AL2 and AL in the example below). You may now use the data from this sheet to create all the graphs and dashboards you need to manage your business. 👉 Keep in mind: To create personalized filters in your Qonto dashboard, we recommend leaving several empty columns between the first empty cell at the right of your screen and the operations from step 2.

https://help.qonto.com/en/articles/6389768-how-can-i-use-the-transactions-exported-from-qonto-in-google-sheets

How to use the analytics labels?

Analytics labels help you categorize your transactions for better financial understanding. You can create and assign these labels to your transactions. They'll appear on your dashboard and in your export files, simplifying your financial management. 👆 Note: This feature is only available to our Smart , Premium , Essential, Business and Enterprise customers. How to configure your list of labels? To create, modify, or delete label lists on the web interface, visit the Settings section, and select Analytics labels . You can name and define up to 10 lists , each containing an unlimited number of labels. For instance, create a "Transport" category with labels like "Train," "Plane," and "Taxi," or an "Online Marketing" category with labels such as "Facebook Ads" or "Linkedin Ads." How to add labels to your transactions? You can add manually a custom label to a transaction by going to the Business account tab on your interface. Click on a transaction, go on bookkeepings details, and then select a pre-defined label in the Labels section. You can add labels via your mobile or web Qonto app. How to add labels to your suppliers? Save time by adding custom labels directly to your suppliers, in addition to transactions. Learn how in 👉 this article . How to use labels in my dashboard? Optimize cash inflow and outflow management by using custom labels to compare transaction categories on your dashboard. For more details, check out 👉 this article .

https://help.qonto.com/en/articles/4359614-how-to-use-the-analytics-labels

How does the Supplier invoices section work?

With the Supplier Invoices section, you can manage your supplier invoices conveniently from a single tab, the Inbox : Collect your invoices Attach your receipts and paid invoices to the transactions (Learn more) . Easily prioritize overdue invoices, review details, and make payments in just a few clicks. Once an invoice is matched or its payment is created, Qonto removes it from your Inbox, leaving only the invoices that require your attention! This feature is accessible from the mobile and web app to: Account holders and admins of Smart and higher plans. Managers with Whole Company scope and the Upload and set up supplier invoices permission. They can also make direct payments to suppliers (within transfer limits) if they have the Make and approve transfers permission. Accountants with view-only mode. 💡 Note: The Supplier Invoices section is not for processing customer invoices . How does it work? To access to the Supplier invoices section: Go to the Invoices section : From the web app, select the Invoices icon on the navigation menu From the mobile app, click Plus in the lower right corner Select the Supplier invoice section On the top of your screen, you can get insights on the total amount of: Invoices in your inbox Invoices in pending Invoices for which there is a scheduled payment Invoices paid in the last 30 days. Collect invoices: Collect all your invoices, either paid or unpaid, in your Inbox : Using the Upload invoices button of your Supplier Invoices section, or directly dragging and dropping your documents at the center of the Imported tab, in the web app. From your email box, using your forwarding email address . From Google Drive or Dropbox . 💡 Note: Invoices and receipts added manually to transactions from your History will not appear in your Supplier invoices section. Pay or match invoices: Already paid invoices: Qonto automatically matches receipts and paid invoices to the right transaction and moves the invoice from the Imported to the Completed tab of the Supplier Invoices section. If we could not match the invoice to the relevant transaction, go to your Inbox and click on "...” then on Mark as paid to manually attach the invoice to the relevant transaction. You can also decide not to match the invoice with a transaction, if you don't wish to associate the invoice with any. Unpaid invoices: For invoices in your Imported tab, click on [ ... ] to : Edit the payment details. Pay either with a classic SEPA transfer, a scheduled SEPA transfer, an instant transfer , or a SWIFT . Once the transfer is created, Qonto moves the invoice to Completed in the case of an instant transfer or in the Processing tab for the other type of transfers. For the latter, the invoice will be moved to Completed once the transfer is executed. Qonto automatically attaches the invoice to the corresponding transaction in your Business Account > Transactions section. You will also be able to download your proof of transfer once it has been executed. Your Supplier i nvoices area does not allow you to make bulk transfers , to pay by card, or to set up your SEPA direct debits . Check out 👉 this article to learn how Managers can use the Supplier invoices feature. C ancel or reschedule payment: To cancel a scheduled transfer through the Supplier Invoices section: Check the transfer status to ensure it hasn't been executed yet. (Learn more about transfer execution dates here ) . On the Web app, go to the Business account section on the navigation menu, then navigate to Transactions or Transfers . From the mobile app, go to the History or Transfers section. Select the transfer you want, and click Cancel transfer at the bottom left. If you initiated the transfer from the Supplier Invoices section and it's been cancelled , declined , or returned , the invoice will return to your Inbox . D elete an invoice: To delete an invoice, click the three dots " ... " on the invoice or select the invoice and click the trash can icon 🗑️ in the top right corner. Avoiding Duplicates: To prevent paying the same supplier invoice twice, a notification will appear during the import of your invoice if our system suspects a duplicate. In this case, you can click on Review Invoices on the notification. A screen will then display the imported invoice along with potential duplicates. You can then decide whether you want to keep or delete it.

https://help.qonto.com/en/articles/6511268-how-does-the-supplier-invoices-section-work

As a Manager, how can I manage Supplier Invoices on Qonto?

Admins and Account holders can give access to the Supplier Invoices section to Managers with the whole company scope. If you’ve been granted permission to access the Supplier Invoices section, connect to your app and go to Invoices > Supplier invoices . 💡 More details on the Supplier invoices section: here . What can I do with the Supplier Invoices section? 📲/💻 Both web and mobile app: Upload invoices with Drive, drag-and-drop or bulk upload View, download, and delete the invoices for the whole company Edit the invoices' information scanned by Qonto or add missing details (Supplier’s details, invoice number, due date, payment amount, and description) to prepare the payment 💻 Web app only: Mark invoices as paid and match them with an existing transaction Pay by transfer all the invoices or up to your monthly or per-transfer limits (which are set beforehand) Request payment for invoices in euro from the Supplier invoices section in case: you don’t have transfer permission the amount of the invoice exceeds your monthly or per-transfer limit The request will be sent for approval to the Admin, Account holder or another Manager (if the amount does not exceed the transfer limit defined) with an email and notification. How can I pay a supplier invoice if I don’t have transfer permission or if I have reached my transfer limit? For invoices in euro: From the Imported tab in the Supplier invoice section , open an invoice by clicking on it Fill in the mandatory fields (Supplier name, due date and amount) Click on Request transfer You will be redirected to the transfer request. The account Owner, Admin, or another Manager (if the amount does not exceed the transfer limit defined) can: Approve the transfer , which will be executed the next morning (you will be notified by email) Reject the transfer , and the invoice will move back to Inbox, along with an explanation of the rejection, so you can make the necessary changes and submit the request again In case of change of plan or error, you can also cancel a transfer request (until your request is approved or rejected by an Admin, Account Holder or another Manager). For invoices in currencies other than euro: Requesting a non-euro transfer for an invoice is not possible at the moment. To pay such invoices, you’ll need to reach out to an Admin, Account Holder or another Manager with transfer permission. 💡 Note that you will also be able to see and reject a transfer request from the Requests section. I’m a Manager, but I can’t see the Supplier invoices section. Why? It’s likely because your scope permission on Qonto is set on Team and not Whole company . Only Managers with whole company permission can see the Supplier invoices section. You can ask your account Owner or Admin to update your permissions.

https://help.qonto.com/en/articles/7299131-as-a-manager-how-can-i-manage-supplier-invoices-on-qonto

How to detect and respond to fraud attempts?

Phishing, spoofing, fake bank advisor, fake courier – discover these various types of fraud in this article and the precautions to take to protect yourself. ​ Firstly, whether through email, SMS, or phone, Qonto will never request your confidential information such as: Your password, Your login credentials, Your payment card number. We will never ask you to make a transfer to secure your funds . If a third party asks you to approve a transfer through Strong Authentication to cancel a fraudulent operation, it is a scam: this method aims only to approve outgoing transactions . Similarly, we will never ask you to hand over your payment card to a third party, such as a courier, to 'secure' your Qonto account. ​ Qonto will contact you exclusively through the email address you use to log in to your account, never on your personal email address. If in doubt, prefer using the in-app chat from the Qonto application . ​ ​ Can a fraudster call me with a phone number identical to Qonto's? Yes, it's possible. A fraudster can modify their phone ID to make it appear as Qonto on the victim's phone during the call. This is known as spoofing . It's not an intrusion into your phone line but rather an impersonation of a phone number. The same applies to emails. What is this method? Spoofing is a fraudulent technique where a fraudster alters their identifiers to pose as a legitimate institution. It is used in attempts of social engineering fraud , especially in cases of fake bank advisor scams . In the case of Qonto, the fraudster poses as one of our agents to a client. By displaying our phone number during the call, the fraudster increases the chances of gaining the victim's trust and persuading them to perform a fraudulent operation, allowing the fraudster to extract money or take control of the Qonto account. ​ How to verify if the person on the phone is a genuine Qonto advisor? No Qonto employee will ask you for confidential information or to perform operations. If this happens or if in doubt, hang up and contact us directly through the chat from your account. ​ The fake bank advisor scam is a form of social engineering . This method involves manipulating a client to gain their trust, obtain confidential information, or induce them to carry out fraudulent operations. ​ In the case of Qonto, the fraudster contacts the client, usually by phone, pretending to be a Qonto agent. They then attempt to extract money or take control of the target's account. ​ This method relies on three pillars: Impersonating the identity of a legitimate institution Creating a sense of urgency Establishing a trusting relationship with the victim What are these three pillars in detail? Impersonating the identity of a legitimate institution The fraudster presents themselves as an employee of Qonto . Their speech is polished and professional . They borrow from the vocabulary of real bank advisors and mimic seemingly legitimate protocols. They may also modify their phone ID to make 'Qonto' appear on the victim's phone during the call (spoofing). It's not an intrusion into your phone line but an impersonation of the phone number. The same applies to emails. Creating a sense of urgency The fraudster immediately seeks to establish a sense of urgency with the victim to minimize questions about their legitimacy. They may claim to have identified fraudulent transactions on your account and ask you to perform certain operations to "secure" your account . They emphasize the need to act quickly , even if it involves bypassing basic security rules. They may also ask you to keep it quiet and not disclose your interactions with them . Gaining your trust The fraudster desperately seeks to gain the victim's trust to get them to perform the desired actions. To do this, they rely on information that you consider confidential and unique. In reality, most of this information is easily accessible : Your personal information (name, first name, and phone number) can be collected on social networks. The first six digits of your bank card are common to all cards. You may have shared your IBAN with a service provider, and it could have been subject to a data leak. It's highly likely to find certain very popular merchants such as Amazon, Fnac, or eBay among the latest transactions you made. 💡 It's also possible that the fraudster initially obtained your sensitive information through phishing . ​ What are the typical requests of fraudsters in this case? With Strong Authentication now mandatory for Qonto accounts , the fake bank advisor needs the client to perform or approve certain operations themselves. The fraudster may ask you to: Change your password, either using a temporary password they provided or by asking you to share the new password with them. Change the phone number linked to your account. Authorize new connections to your account through Strong Authentication. Add a new member or administrator to your account. Approve new beneficiaries, card transactions, and/or transfers through strong authentication. This list is not exhaustive. ​ By performing these actions and approving them through Strong Authentication, you involuntarily participate in the fraud, allowing the fraudster to empty your account or take control of it. 💡 Recently, the fake bank advisor scam is often accompanied by a fake courier scam . After warning the client of a supposed fraud attempt on their account, the fraudster informs the victim that a courier will be dispatched to retrieve the payment card to replace it and secure the account. ​ Qonto will never ask you to hand over your payment card to a third party . This email seems to come from Qonto, how can I ensure its authenticity? Phishing , or spoofing, involves sending deceptive emails in which the fraudster poses as Qonto. In other cases, they use SMS, and this is referred to as smishing . ​ The fraudster aims to obtain personal information about the victim, either to impersonate them or to encourage them to take specific actions, such as sharing passwords or making fraudulent payments. What is this method? A common example is sending a message containing a link to malicious software designed to collect sensitive data once installed on the victim's device. The fraudster can also encourage the victim to access their bank account or make an online transaction by mimicking a trusted site . The link actually redirects to a fraudulent site that collects personal information (such as bank account number, credit card details, security codes, etc.) and allows the fraudster to use them to steal money. Subsequently, the obtained data can be used in social engineering fraud activities , reinforcing the credibility of the attack to take control of the victim's account or persuade them to validate banking operations. How to guard against it? Here are some best practices to follow to protect your Qonto account from phishing: Direct Access to Your Account Save the site " app.qonto.com " in your bookmarks. We encourage you to use this shortcut to access the Qonto application. This avoids clicking on any potential links included in a fraudulent email. Download the official Qonto application available on mobile from the app store. Password Manager Use this tool to store your Qonto password. The password manager detects phishing sites and will only suggest autofilling your credentials on the genuine Qonto site. Suspicious Link in an Email If a link invites you to view a transaction or perform a sensitive operation, for example, do not click on it. Instead, log in to your Qonto application independently on your computer or phone. This allows you to have better control over the authentication process. In case of doubt, use the chat from your Qonto account to secure exchanges. Pre-Recorded Banking Information Avoid saving your credentials and payment information online. If you choose to do so, only save them on trustworthy and secure sites (look for the padlock symbol on the left of the URL, connection in https ). What to do if someone has used my identity to open a Qonto account? We implement stringent checks during the creation of a new Qonto account, in compliance with current legislation. However, if you suspect that someone has opened a Qonto account using your identity or that of your company, follow these steps: Promptly file a complaint with the relevant authorities so that you can provide us with the official report during our communication; Prepare a copy of your identification document and a Kbis (French business registration document) dated within the last 3 months for your company; Transmit these documents to us by email or through the chat so that we can take appropriate measures.

https://help.qonto.com/en/articles/8750410-how-to-detect-and-respond-to-fraud-attempts

What to do if I'm not receiving SMS messages?

In certain situations, it may happen that you don't receive the necessary SMS to validate sensitive operations from your phone. What alternative do I have to SMS? ☝️ Good to know: If you have not received the SMS, we will send it to you automatically on the mobile app WhatsApp, if it is active on your phone, for the following cases: Setup of 2-step verification Activation of Strong Customer Authentication Confirmation and update of your phone number Confirmation of some card transactions on internet You don’t have Whatsapp on your phone yet? We advise you to download it and then retry. I have successfully installed WhatsApp, but I still don't receive the SMS. Then, if you still don't receive an SMS, here are some tips on how to deal with the situation: Make sure you have an adequate telephone network If you have a dual SIM phone, remove the SIM not associated with the Qonto's account If the roaming* is on, turn the roaming off and try again Check if the hour and the date of the phone is set in automatic mode Re-start the phone again If you are abroad, send an email/message to your phone number operator and verify that the SMS are on and without the limits * Roaming allows you to make phone calls or access the internet from abroad using a different operator than your own. If you have followed these steps and the problem persists, contact our support by email or from the chat on your Qonto interface.

https://help.qonto.com/en/articles/4855678-what-to-do-if-i-m-not-receiving-sms-messages

What can I do if my paired phone is lost, stolen or if I can't use it?

If you have activated the Strong Customer Authentication (SCA) , you have paired your phone to login or to initiate a transaction or a sensitive action. If your paired phone is unavailable, don't worry: contact us through the chat on your Qonto app . We will take care of unpairing your phone. Please note that only one phone can be paired per profile. ✌️ Good to know: If after unpairing your phone, you do not re-paired a new one, your online card payments will automatically be declined. It is therefore necessary to pair a new phone in order to validate your operations. How to pair a new phone? Pairing a new phone is very simple and requires you to perform only two steps: a phone check and an identity check . It will only take you a few minutes. Start by opening your Qonto app on your new phone and enter your credentials On the screen that pops up, click on Change paired device Start the recovery process by e-mail. We'll first send you an e-mail, that you'll need to open with your new phone. From this e-mail, click on Verify my phone Back on your Qonto app, you'll only need to check your identity . To do so, we'll ask you to take a picture of your face. Adjust your face with the frame and click to take the picture. ✌️ Good to know: To have your picture validated, please keep a straight face and make sure your eyes are visible if you wear glasses. Once the verifications are successful, your new phone is paired, and you can connect to your app as usual.

https://help.qonto.com/en/articles/5030826-what-can-i-do-if-my-paired-phone-is-lost-stolen-or-if-i-can-t-use-it

What is Two-Factor Authentication (2FA)?

The Two-factor authentication (2FA), sometimes referred to as Two-step verification, involves the transmission of a temporary verification code via SMS. The received code must then be entered in addition to the password to confirm the user's identity. 💡 Two-Factor Authentication is a prerequisite for setting up Strong Customer Authentication (SCA) , now mandatory for the use of your Qonto account. How to set up Two-Factor Authentication? From your computer, log in to your Qonto account, go to Settings > Personal Settings section. Click on the Security tab In the Two-Factor Authentication section, click Configure to start Provide or confirm your mobile phone number In the next step, enter the 6-digit verification code received via SMS . Note: this code is only valid for 1 minute. If you fail to enter it in time, make a new request. ✅ From this moment on, Two-Factor Authentication is successfully configured on your account. I've lost my phone or no longer have access to my number, What should I do? Refer to our dedicated article on How can I update my phone number? or contact our support through the chat on your dashboard or via the Qonto application.

https://help.qonto.com/en/articles/4359650-what-is-two-factor-authentication-2fa

What is Strong Customer Authentication (SCA)?

At Qonto, guaranteeing the security of your accounts is our priority. ​ Therefore, it is mandatory to activate strong authentication ( SCA - Strong Customer Authentication ), according to the provisions of the second European Payment Services Directive (PSD2) entered into force in September 2019. How does Strong Customer Authentication work? SCA ( Strong Customer Authentication ) involves the use of two authentication factors from three possible categories: Information known only to the user (such as a password) A device or object they own (such as a smartphone or card) A characteristic of its own (such as a fingerprint or facial scan) ⚠️ Important: SCA notifications are only intended to validate transactions. You cannot “cancel” a transaction via SCA. If someone asks you to “cancel” a transaction by validating a notification on your phone associated with your Qonto account, you're probably the target of a fraud attempt. Qonto will never ask you to validate or “cancel” fraudulent transactions to third-party accounts, change your password with a temporary password, add a device and/or new members/administrators. Strong authentication aims to prevent fraud, to protect your Qonto account when performing most sensitive actions . For example, adding new beneficiaries, members or administrators, pairing new devices, or validating transfers, are actions subject to strong authentication. In practical terms, SCA involves associating a smartphone with your account. Every sensitive operation you or your teams carry out must be validated by approving a notification in the Qonto app . With just one click, you can confirm the legitimacy of the transaction and guarantee the security of your account. 💡 Good to know: strong authentication lets you associate a single device per profile and is available on phones using iOS, Android or HarmonyOs (Huawei/Honor). 👉 Read our article How to pair my phone with my Qonto account? Strong Customer Authentication and fraud Strong authentication ensures that you are the person to validate all sensitive transactions on your account. On the other hand, remain vigilant: never approve a transaction for which you are not the originator . Fraudsters could trick you into validating fraudulent transactions, such as money transfers. If they try to take control of your Qonto account, they could get you to approve a new administrator, change your password, and/or authorize a new device. It is imperative to carefully check each operation to approve only legitimate ones, thus avoiding any fraud or unauthorized access. 👉 Read our articles on the most common fraud techniques and best practices to protect yourself against scams: How to detect and respond to fraud attempts? What are the 10 habits to enhance the security of my Qonto account? Why strong authentication rather than another two-step validation system? Previously, Qonto offered two-factor authentication (2FA - Two-Factor Authentification) . This was a two-step validation, for which the Qonto user received a code by SMS to be entered to validate the operation. Two-factor authentication today does not offer an adequate level of protection, as it has significant security flaws (see box) , so it has been replaced by SCA. ⚠️ To get around the two-step validation, fraudsters can impersonate their victim to his or her telephone operator in order to retrieve the line's SIM card. This technique, known as SIM swapping , enables them to receive all the security codes linked to their victim's account directly on their own phone.

https://help.qonto.com/en/articles/4674606-what-is-strong-customer-authentication-sca

How to pair my phone with my Qonto account?

At Qonto, we are using a Strong Customer Authentication (SCA) system for an even more secure account. That's why you need to pair your phone with your Qonto account. It will allow you to confirm both your actions and your identity in just a click. Using the SCA is mandatory since the application of the Payment Services Directive (PSD2). How to pair my phone? ☝️ Good to know: the phone you use for this action has to be yours, and only one phone can be paired per profile. Go to your Qonto mobile app and log in Click on Pair this phone Enter your confirmation code sent by SMS Finally, if it's not done yet, turn your notifications on by clicking on Open settings Your phone is now paired with your Qonto account! The SCA is available for phones using iOS, Android or HarmonyOS (Huawei/Honor). You can do this action anytime. Log in to your mobile app, go to More > Settings & Tools > Security, and follow the steps above. I can't pair my phone If you face any issues while pairing your phone with your Qonto app, check that: The confirmation code we sent you by SMS is correct or hasn't expired (don't worry, you will be able to request a new one) You have a good network Your Qonto app is updated with the last version If you believe the security of your account is compromised, or you need further assistance pairing your device, contact us . I don't have a smartphone to associate It is mandatory to associate a phone with your account. As a financial institution, we are subject to European security standards, and associating your device helps meet the required security needs. You can associate your personal device. The process is 100% secure, and the Qonto app does not collect any of your personal data~~.~~ A smartphone is a tool that is becoming necessary for many daily uses. Therefore, getting one now would not only ensure the secure maintenance of your Qonto account but also help you anticipate future needs. How to change the associated phone with my Qonto account? I have transferred data from my old phone to my new phone, what to do? To pair your new phone to your account, we invite you to do the following actions: Download the Qonto app on your new phone and enter your credentials On the screen that pops up, click on Pair this device Your new phone is paired I didn’t transfer data from my old phone to my new phone or the first method didn’t work, what to do? To pair your new phone to your account, we invite you to do the following actions: Start by opening your Qonto app on your new phone and enter your credentials On the screen that pops up, click on Change paired device We'll first e-mail you, that you'll need to open with your new phone. From this e-mail, click on Verify my phone Back on your Qonto app, you'll only need to check your identity . To do so, we'll ask you to take a picture of your face. To have your picture validated, please keep a straight face and make sure your eyes are visible if you wear glasses. Adjust your face with the frame and click to take the picture. Once the verifications are successful, your new phone is paired. ☝️ Good to know: it is possible to log in to your account from a phone which is not the paired phone. After entering your credentials, a confirmation request will be sent to the paired phone to authenticate the login attempt. You will then have the option to mark the phone as a trusted device for 90 days. If your paired phone is lost, stolen, or unusable, you can simply pair a new phone in its place by following the steps above. If you believe your account is compromised, contact us directly via chat or email.

https://help.qonto.com/en/articles/4674610-how-to-pair-my-phone-with-my-qonto-account

What is 3D-Secure (3DS)?

3D-Secure (3DS) aims to protect your online transactions by preventing fraud attempts while ensuring the legitimacy of customers to merchants. 💡 Following the implementation of the provisions of the second European Payment Services Directive (PSD2), online transactions must now be secured through strong customer authentication (SCA). To meet this requirement, the 3DS protocol has been enhanced, and a version 2 compliant with these standards has been introduced. As part of our partnership with Mastercard, Qonto card payments benefit from this higher level of protection. How does 3DS work? With this system, the cardholder must prove his identity to validate each transaction, either through strong customer authentication (SCA ) or two-factor authentication (2FA) . If the merchant uses the latest version 3DSv2 , and strong customer authentication (SCA) is enabled for your Qonto account, you will need to confirm the operation through the Qonto notification received on the associated phone. This is the most secure and recommended method. If the merchant uses the old version of 3DS and/or you have only two-factor authentication (2FA) enabled on your Qonto account, 2FA will be applied. You will receive a unique code via SMS to the phone number associated with the Qonto account. The code must be entered on the payment page. This authentication is mandatory, even when multiple payments are made close together in time. ☝️ Good to know: Recurring subscriptions are approved via 3DS during the first transaction . However, subsequent automatic transactions do not need to be validated again. ​ ​ Example 👉 You subscribe to a monthly subscription with an online media outlet. The first payment, corresponding to the registration of the card on the site, will be subject to 3DS. In the following months, the amount of your subscription will be automatically debited from the card by the merchant without requiring validation. ​ 3D Secure does not apply to in-store card payments or to validate automatic withdrawals ​ Merchants offering 3DS display a Verified by Visa or MasterCard SecureCode logo on their website

https://help.qonto.com/en/articles/4359674-what-is-3d-secure-3ds

How can I change my Qonto account password?

I have access to my account and I want to change my password: 🖥️ From a computer: Go to Settings in the bottom left corner and click on Personal settings . Click on Security , and then click on Change Password to reset your password. Finally, enter your current password to create a new one. 📲 From the mobile app: Go to Menu > settings symbol “⚙️” > Security Select Change password. Enter your current password and define a new one. ☝️ Good to know: If you're signed in using Google / Apple and do not have a password on your account, there’s no further need to set up a password, as Google and Apple are secure. You’ll notice that the Change Password button is disabled. I have forgotten my password and can no longer access my account: 🖥️ From a computer Go to the login page, then click on Forgot Password Enter your email address Open the email sent to your email address and click on Change your password Enter your new password If you have set up Strong Customer Authentication , click on the notification sent to your paired phone to confirm your identity If you have not yet set up strong authentication, enter the confirmation code you received on your phone number Your password is changed 📲 From the mobile app Go to the login screen, then click on Forgot Enter your email address Open the email sent to your email address and click on Reset your password Enter your new password If you have set up Strong Customer Authentication and the password change is done from your paired phone, your password is changed If you have set up strong authentication and the password is changed from a phone other than the paired phone, click on the notification sent to the associated phone to confirm the change If you have not yet set up strong authentication, enter the confirmation code you received on your phone number Safety tips To improve your account’s security, we recommend : Signing in using Google / Apple (Sign in with Apple is available only on iOS 13 or later). Changing your password often. Opt for a strong and unique password for each of your online accounts. Avoid using birthdates, your pet's name, or simple number sequences like "12345..." or "0000...". ⚠️ Important: Never, never give your password (to Qonto, or to anyone). It’s personal and helps you protect your account. If you think you are being defrauded, change your password right away and check this article to know what to do.

https://help.qonto.com/en/articles/4359654-how-can-i-change-my-qonto-account-password

How is the access to my account secured?

Account access securing is an essential matter for us, and implies the use of different methods. ​ 🔐 Secured login password To log in to your account and carry out non-critical operations, you must use a password of at least 9 characters . Opt for a strong and unique password for each of your online accounts. Avoid birthdates, your pet's name, or simple number sequences like "12345..." or "0000...". 💡 Tip: use_A_long_sentence1. Also remember to change your password regularly. ​ 👉 See the dedicated article: How can I change my password? ​ 📲 Strong Customer Authentication (for your sensitive operations) In compliance with the second Payment Services Directive (PSD2) , Strong Customer Authentication (SCA) is often required when using your Qonto account. Strong Customer Authentication secures the most sensitive transactions carried out on your Qonto account, whether by you or by members of your team. It relies on the validation of a notification on the phone associated with the account, guaranteeing the origin and legitimacy of the transaction. It's important to note that only one phone can be associated per profile . ​ 👉 See the dedicated article : What is Strong Customer Authentication (SCA)? ⚠️ Important: to continue using your Qonto account normally, you must opt for Strong Customer Authentication. If you have not yet done so, please follow these steps to set it up. ​ 💬 The 2-step verification (SMS) The 2-Step verification , also known as 2-factor authentication (2FA) , is a step prior to activating Strong Customer Authentication on your Qonto account. It relies on sending validation codes by SMS. It is not enough on its own to properly protect your account. ⚠️ To get around the two-factors authentication, fraudsters can impersonate their victim to their phone operator, in order to retrieve the line's SIM card. This technique, known as SIM swapping , enables them to receive all the security codes linked to their victim's account directly on their own phone. This is why we apply Strong Customer Authentication (SCA) for all sensitive account actions, and not 2FA. 👉 For more information : What is Two-Factor Authentication (2FA)? ​ 💳 3D-Secure (for your online transactions) 3D Secure is a security protocol for online card transactions that adds an authentication step for the cardholder, reducing the risk of fraud. Following the second European Payment Services Directive (PSD2), online transactions must now be secured by strong authentication (SCA). Therefore, the 3DS protocol has been enhanced, and a version 2 compliant with these requirements has been introduced. Qonto payment cards benefit from this system thanks to our partnership with Mastercard. ​ 👉 See our dedicated article: What is 3D-Secure (3DS) ? For any question on the securing of the access to your account, we invite you to consult the different articles listed above, or to contact us directly by chat from your Qonto app !

https://help.qonto.com/en/articles/5827400-how-is-the-access-to-my-account-secured

What is my phone number used for?

Your phone number is required in two cases : It allows us to contact you quickly if we notice suspicious activity on your account. It enables you to use the 3-D Secure authentication , which secures online purchases. For these reasons, it is very important that you make sure that your contact details are always up to date in your user profile ( see how to update your information ).

https://help.qonto.com/en/articles/4359664-what-is-my-phone-number-used-for

How can I update my personal and business information?

For legal and security reasons, it is important to always keep your personal and professional information up to date. 👆 Good to know: You can update all this information only via computer. Follow the steps down below depending on your specific case: 👤 Updating personal information Log in to your web app 🖥️ and go to Settings (in the bottom left corner) > Organization details > Company profile . Click the Pencil button on your personal profile to update your information as shown in the following image: Remember to add a document justifying the modification of the information in the Submit an up-to-date proof of identity section. 💡 As a reminder, here are the identity documents accepted by Qonto . Click on Save . 🏢 Updating my business information ❗️ This update is only possible for companies. In order to change the address of your association, please contact Support at [email protected] to submit a modification request. You will need to add in the File an up-to-date registration document section a document justifying the modification of the information with a KBIS, INSEE's "Avis de situation", INPI's Document de synthèse définitive, or INPI's extrait d'immatriculation dating from less than 3 months. You can independently upload an image for your company logo or update your billing email address if you wish. Click on Save. 👥 Update of company leaders and shareholders. If you are the corporate officer and legal representative of the company but it is not indicated, please correct the information: ❗️This is just an information update, but you won't be able to make a management change here. Select "yes": Submit an up-to-date registration document Fill in your tax information Save Confirm that your business information is up-to-date ✅ Our teams will then check and validate the new information. ❗️ Only the account holder and members with an administrator role have the possibility to modify their information. If you do not have this role, we invite you to contact us. Do not hesitate to consult the following articles if you wish to change your telephone number or your email address: 👉 How can I modify my phone number? 👉 How can I update my email address?

https://help.qonto.com/en/articles/4359660-how-can-i-update-my-personal-and-business-information

How can I update my email address?

You can change your email address at any time by accessing your Qonto application from your desktop or your mobile. Do have access to your Qonto interface? 💻 From a computer Go to Settings in the bottom left corner and click on Personal settings > Personal profile. Click on the Change button - bellow to your current email address Then, you'll enter your new email address Confirm it by entering the 6-digit verification code you received by email. If you have set up Strong Customer Authentication , confirm your identity on your paired device If you haven't set up Strong Customer Authentication yet, enter the confirmation code you received on your phone number Your email address is changed! 📱From the mobile application Go to Menu > settings symbol “⚙️” > select your profile Click on the pencil-shaped emoticon on the right Then, you'll enter your new email address Confirm it by entering the 6-digit verification code you received by email. If you have set up Strong Customer Authentication , confirm your identity on your paired device If you haven't set up Strong Customer Authentication yet, enter the confirmation code you received on your phone number Your email address is changed! Do you have a password set up yet? If you don’t have a password set up yet (you signed up with Google / Apple) , you will be required to set up one when you change your email. In addition to following the steps above 👆: After you enter your 6-digit verification code, you will be signed out of your account. You will receive another email with instructions to set up your password Click on the link in your email to set up your password You don't have access to your Qonto app or an error message is displayed? To proceed with this modification, we need to verify your identity. We just want to ensure that no one is trying to impersonate you.🕵️‍♂️ Please send us the following elements by chat: A selfie , having in your hand your ID document close to your face, and a blank sheet of paper with the current date and the word QONTO handwritten. The following information: Company's name SIREN Last name Name New email address

https://help.qonto.com/en/articles/4637264-how-can-i-update-my-email-address

How can I visualize my teams on Qonto?

👆 Teams visualization is only available from Essential, Business and Enterprise plans. Allocating the right teams to your members can drastically simplify the monitoring and analysis of your company spending in real time. It also enables you to delegate pre-defined financial and administrative tasks to your team leaders thanks to the Manager role. Team set up Visualize the history of transactions performed by all the members of a selected team, and track their use of cards in a few clicks. Edit your teams to accurately mirror your organizational structure on Qonto Invite members and assign them a role as well as a team Alternatively, let your team leaders built their own teams! Add a member with the Manager role to an empty team and let her/him invite and manage the team. 💡 As a reminder, adding a member with a Manager role enables you to delegate a pre-defined set of actions and permissions to a member for a selected team. Filters by team As an admin or an owner, you can easily view the members, transactions, and cards of the team of your choice. To do this, go to User management > Teams management . Click on the wallet icon (first one) on the bottom left corner of a card to filter your History and access all the transactions of members in the selected team Click on the card icon (second one) to visualize all the Cards assigned the members of the selected team 👆 Good to know: Filters can also be accessed directly from the User management , Transactions and Cards sections. Roles and permissions All teams can be accessed and edited by both owners and admins of organizations with a Team plan . A member with a Manager role can also visualize the members, transactions and cards of the team she/he has been assigned to. 👆 Good to know: Only one member with a Manager role can be added in each Team.

https://help.qonto.com/en/articles/5713440-how-can-i-visualize-my-teams-on-qonto

How can I create and edit a team on Qonto?

Teams editing is only available for Essential, Business and Enterprise plans . Solo Smart and Premium can assign one of Qonto's 8 preset teams to their member(s). To create or edit a team, log in to your web app, go to User management, in the bottom left corner and click on Team management . 👆 Good to know: On mobile, Teams can be accessed, but not edited. Create a team Click on + Create team in the top right corner of the screen Enter your team name and validate your entry by clicking on Create new team Add existing members to the team or invite new members on Qonto from the User access tab. You can alternatively add a member with the Manager role to a team and let her/him built the team! Adding a member with a Manager role enables you to delegate pre-defined actions and permissions to a unique member and for a selected team. Feel free to review this page to better understand the difference between the Employee and Manager role. 👆 Good to know: You can create up to 100 teams on Qonto and add one manager per team. Rename a team Click on three dots " ... " in the top right corner of the card of the team you want to edit Click on Rename team Enter and confirm your new team name by clicking on Rename The change will immediately be reflected on existing members of the edited team. Delete a team Ensure the Team you want to delete has no Team Member Click on three dots " ... " in the top right corner of the card of the team you want to edit Click on Delete team Confirm by clicking on Delete 👆 Good to know: In order to delete a team, all team members must be assigned to another team beforehand from the User access tab.

https://help.qonto.com/en/articles/5685161-how-can-i-create-and-edit-a-team-on-qonto

How can I update my phone number?

You can change your phone number at any time by accessing your Qonto application from your desktop or from your mobile application . To confirm this update, we need to verify your identity. We just want to ensure that no one is trying to impersonate you. I have access to my account and I want to change my phone number, what should I do? From a computer Log in to your Qonto account from a computer Go to Settings in the bottom left corner and click on Personal settings > Personal profile. Click on the Change button - bellow your previous the phone number Enter your new phone number Enter the confirmation code sent on the new phone number If you have configured the Strong Customer Authentication , you will receive a confirmation request on your associated phone If you have not yet configured the Strong Customer Authentication, you can choose to receive the confirmation code on your previous number or by email. Enter the confirmation code sent to your previous phone number or to your email Your phone number is changed! From the mobile application Log in to your Qonto account from your mobile application Go to Menu > settings symbol “⚙️” > select your profile Click on the pencil to the right of the phone number Enter your new phone number Enter the confirmation code sent on the new phone number If you have configured the Strong Customer Authentication , you will receive a confirmation request on your associated phone If you have not yet configured the Strong Customer Authentication, enter the confirmation code sent to your previous phone number Your phone number is changed! You can’t modify your phone number or an error message is displayed? To proceed with this modification, we need to verify your identity to ensure the security of your account. Please send us the following elements by chat: A selfie , having in your hand your ID document close to your face, and a blank sheet of paper with the current date and the word QONTO handwritten. The following information: Company's name SIREN Last name Name New phone number 💡 Why is it important to keep your phone number updated? There are three use cases for which your phone number is required: It allows us to quickly get in touch with you if we suspect fraudulent use of your account It will be asked in order to set up the 2FA verification . It makes 3-D Secure protocol possible (i.e. the sending of a confirmation code for online purchases). For these reasons, it is very important that you make sure that your contact details are always up-to-date in your user profile.

https://help.qonto.com/en/articles/4359655-how-can-i-update-my-phone-number

Which role should I assign to my employee: Manager or Employee?

The Employee role is available on Essential, Business and Enterprise plans , while the Manager role is only on the Business and Enterprise team plans . The Employee has a more restricted access than the Manager which comes with a certain level of delegation. The role you will assign to your employee or team lead depends on your organisation's particular needs. We describe below a couple of use cases that will help Admins and the Account Holder decide what's best for their company. I want my team leads to handle the expense management for their own team and I trust them to spend the company money in line with the pre-agreed company policies. - You can assign them the Manager role, it will allow your team leads to independently manage the spending for their team. I want my manager to be able to import invoices, review them, pay or request payment - You can assign them the role of Manager with the Whole company scope, and activate the permission Upload and set up supplier invoices . If you’d like them to pay all invoices or some invoices within payment limits, you will need to enable “Make and approve transfers, and reimburse expense reports”. Note that if they do not have transfers permissions or they have reached their transfers limits, they will be able to make a transfer requests in the Supplier Invoice section. I need my team lead to be able to create cards for their team. - You will need the Manager role, as users with the Employee role can't create cards. One thing to keep in mind is that the Manager is in liberty of creating any cards and setting the limits on its own for their team. All of which information is available for the Admins and the Account Holder to see under the Cards tab on the Qonto account and they can freeze cards easily if ever needed. I want to approve all outgoing transfers. - We suggest the Employee role in this case, as the user with the Manager role has the independence to make transfers without having you first approve it, within his monthly limit / per transfer limit, which you have previously set. As an employee, making a transfer request does not need the user to submit proof of identification. As an admin or Account Holder, you will still able to check all transactions that the Manager does under the History tab on the Qonto account. We also suggest that you could have clear guidelines in place on how Managers and their team can spend the company money.

https://help.qonto.com/en/articles/5568681-which-role-should-i-assign-to-my-employee-manager-or-employee

What permissions does the Manager role have?

The Manager role is available for Business and Enterprise plans . The role of the manager is customizable: Admins or Account Holder define permissions for each manager individually, on a team level or on the whole company level. What is the scope of permissions for a Manager? Depending on how much they want to delegate, the Admin or the Account Holder defines the scope of permissions for each manager: on the whole company level or on a team level The manager will be able to see transactions, manage payments, invite Employees, and access balances depending on the scope level. 💡 You need to create a team before assigning a Manager to a team. What permissions can be delegated to a Manager? A set of permissions is defined for each manager access, during the invitation process , by the Admin or the Account holder and can be edited at any moment, with immediate effect. Those permissions will apply within the scope level selected. They are defined around: Expense management: manage card, entering and approving transfers within the limits set beforehand , manage direct debits, and checks Team management: invite and revoke employees Financial monitoring: see account balance, IBAN, transaction history, and export statements (‘whole company’ scope) Bookkeeping (collect and request receipts, verify transactions, manage suppliers, associate supplier invoices with transactions and pay them or prepare payments, manage custom label) 💡 Managers can have access to all company accounts, or no account. They cannot have access to only certain accounts. What permissions can’t be delegated to a Manager? ❌ Invite all types of team members: Admins, Managers, and Accountants ❌ Change roles status for themselves and other users ❌ Edit subscription ❌ Set up and manage multi-accounts ❌ Set up and manage third-party tools via Connect integrations 💡 Admins can do these actions. How to check the permissions of a Manager? It is possible to view the scope and permissions of a manager directly from their member profile. From a computer: Go to User management, Click on User access, Select the profile of the Manager you wish to view. From the mobile app: Go to Menu > settings symbol “⚙️” > User management Click on the "plus" symbol at the top right of the screen.

https://help.qonto.com/en/articles/6295470-what-permissions-does-the-manager-role-have

How can I sign in with Google / Apple?

Why should I sign in with Google/ Apple? "Signing in with Google/Apple" makes it easy to access your Qonto account without the need to remember passwords. It's also safer than using a password. Click to learn more about the security standards provided by Google and Apple . What are the Sign in options available? You can log in to your Qonto account via the following methods: Email and password Sign in with Google Sign in with Apple We highly recommend using " Sign in with Google " or " Sign in with Apple " while opening an account or accessing an existing one. " Sign in with Google" is available on all device, and " Sign in with Apple " is available from iOS 13. If you used Apple's "Hide My Email" feature when you opened your Qonto account, you must continue to use it when signing in. Just use the same forwarded email address provided by Apple. 💡 In the future, if you want to revoke Qonto's access to your Apple email, remember to first change the email address associated with your Qonto account. Where can I sign in with Google or/and Apple? This feature is available both for: Account opening: 2. Qonto app login: If you opened your account before the Google /Apple sign-In options were available and now want to use them: You can log in using any authentication method, as long as you use the same email address associated with your Qonto account. For example: if you used [email protected] to sign up and set a password, you can still log in via Google using the same address. If you initially set up your account by signing in with Google/Apple and now want to create a password: You can set up a password by clicking on Forgot Password on the login page. You will receive an email to reset your password. 💡 Make sure you use the password that you set up for your Qonto account and not the password that you use to sign in to your Google / Apple account. In case it does not work, please reset your password by clicking on the Forgot Password link .

https://help.qonto.com/en/articles/6680638-how-can-i-sign-in-with-google-apple

What are the different roles available?

Each member's access is defined by a role . A role sets the limits of possible actions on a Qonto account. There are five types of roles: The Account Holder can access all sections and perform any action: invite or disable access of any members. The Admin role is granted the same rights as the Account Holder. However, unlike the Account Holder, an Admin is not allowed to request the account closure. The Manager role ( for Business and Enterprise plans ) is customizable so that they can only see and do what the Admin or the Owner have decided. They can have access to expense and supplier invoices management, team management, financial monitoring, and bookkeeping. However, they can't set up or manage accounts, change role status, or edit subscriptions. ​ ​ Their scope of permissions will apply either on a Team level or at the Whole company level. 👉 You will find the details of their permissions here . The Employee role limits access to its own transactions. They can own a card and make payments with it if one is assigned to them. With Business and Enterprise plans, they are also able to make transfer requests. The Accountant role ( from Smart plan ) has been designed to suit the needs of your external accountant, finance advisor, manager, or CPA. With Business and Enterprise plans, they are also able to make transfer requests. 💡 You can compare the permissions allowed for each role in the table below: We recommend assigning a role that fits each team member's needs to make the most out of Qonto and achieve maximum collective efficiency. For more details, check this article 👉 How to invite a new team member

https://help.qonto.com/en/articles/4359659-what-are-the-different-roles-available

How to change the account holder to another person?

An account holder can be changed at any time for various reasons (change of corporate officer, account opening by a third party, etc…). 👉 For German IBAN, the process is a bit different. Please check out the DE version of this article. I am no longer the corporate officer of the company, what should I do? If you have an Essential, Business or Enterprise plan: You can first invite the new corporate officer of the company to join the account as an Admin . Once this is done, we invite you to contact our support team via chat or email, with the following elements: The company’s KBIS, dated less than 3 months ago and mentioning the name of the new corporate officer. Alternatively, you may also provide the minutes of a general meeting and the publication in the official journal, specifically for an association. ​ A selfie while holding your ID document close to your face, including a blank sheet of paper with the current date and the word “Qonto” , written by hand. If you have a Basic, Smart, or Premium plan: We invite you to contact our support team via chat or email and provide the same elements as requested above (selfie and KBIS), along with the email address, phone number, and name of the new corporate officer of the company. As the new corporate officer of the company, how can I get access to the account? First, you need to contact the former account holder and ask them to send you an invitation to join the account. Once you joined the account as an Admin, you can contact our support team at [email protected] and ask to be given Account Holder access. You'll need to send us a KBIS, dated less than 3 months ago, mentioning that you are the new corporate officer and a selfie as per the conditions mentioned earlier in this article. 💡 You no longer have contact with the corporate officer, or you are in conflict with them? No worries, we can still proceed with the change of Account holder. To do so, please contact our support via chat or email with your selfie and the KBIS up-to-date.

https://help.qonto.com/en/articles/6221199-how-to-change-the-account-holder-to-another-person

How to invite and manage team members within my Qonto account?

Once your Qonto account is up and running, you can invite additional team members on Qonto and give them specific rights and permissions corresponding to their roles in the company and assign them to a team. How to invite a new member to my Qonto account? You can invite a new team member by following the few steps below. From your web app: at the bottom left, click on User management > User access > Invite a team member. From your mobile app: go to Menu > settings symbol “⚙️” > User management , and click on the "plus" symbol at the top right of the screen. Define a role for this member . To learn the details about each role, refer to What are the different roles available? ​ Assign your new member to a team . If you have an Essential, Business or Enterprise plan, you can rename these teams, and create up to 100 teams attached to your company ( more information ). ​ ​ Finally, review and confirm the information . Once you have confirmed, an invitation email to join the account will be sent immediately to the email address you provided for your new member. 💡 When you invite a new team member with an Admin or a Manager role, he will be requested to register his personal information (birthdate, identity document, live identification through a selfie or video, and address). This set of security measures is required by law before a user can receive a payment card and manage his/her expenses. 💡 You can invite a user to Qonto again if he missed your first invitation email. To do so, you will find a " Re-send invitation " button on his user profile in your " Team " section. How to disable or reactivate a member's access? You might want to disable a member's access to your Qonto account when this person leaves your company, for example. From your web app, go to User management > User / Accountant access. From your mobile app, go to More at the bottom right > Team Members. ​ Select the user's profile and use the Disable access button. 💡 If the disabled access was an additional member charged 5€ VAT excluded/month, you will be refunded automatically, prorated for the current month. To reactivate the access , go back to the User / Accountant access section and select the user profile: you will be able to select the Enable access again button. How to invite my Accountant to Qonto? To invite your accountant, go to the Accountant access section. By giving your accounting department access to Qonto, you make it easier for your accountant to complete value-added tasks for your business: Check on the balance and export transactions with unlimited history Collect and request all the spending receipts Verify, comment, and sort out the transactions with labels, VAT rates, etc. Request a transfer ( for Business and Enterprise plan ) Since accountants have read-only access and cannot use payment cards, they are not required to complete the identity check. However, the procedure to invite them remains the same as any other role. 💡 Accountant access is available with every plan except Solo - Basic . How to invite my Employee to Qonto? Employee roles are not required to complete the identity checks by providing their identity document, they will still be able to make transfer and card requests. However, they will be requested to register an identity document only when requesting a virtual card or getting a physical card. They can submit their document, at any time, through the app via their personal profile. 💡 If they are invited to change their role to Admin or Manager, they will need to verify their identity too.

https://help.qonto.com/en/articles/4359656-how-to-invite-and-manage-team-members-within-my-qonto-account

Which role should I assign to a trusted employee: Manager or Admin?

The Admin role is available on Essential, Business, and Enterprise plans . The Manager role is only on the Business and Enterprise plans . The Manager role is a more restricted role than the Admin role. The Manager role can be assigned to team leads or office managers depending on your organization's particular needs. Admins and the Account Holder decide individually what permissions each Manager has access to, for their team or the whole company. The following use cases can help company Admins and the Account Holder decide what the best set up is for their company. I want my Office manager or my financial assistant to manage my company spending without having the right to invite new Admins - For this use case, create a Manager and choose the whole company permission scope. You can give the permission to Managers to transfer money internally and externally and have access to the company’s accounts balances. However, Managers are not allowed to invite new Admin on Qonto. I want my team lead to manage their team spending and invite new members to their team - For this use case, create a Manager and give permissions to one team scope only. Managers can manage their teams’ spending with autonomy: can transfer money, manage cards (create/delete), and card requests (approve/reject). And they have access to the financial information of their team accounts (transaction history of their team members). I want my employee to manage internal and external transfers, without having the right to approve card requests - For this use case, create a custom Manager role, since the Admin roles can approve all cards request. With the customization of the Manager role, you restrict the permission of Managers to approve card requests. I want my employee to invite new Admins - For this use case, create an Admin role, since only Admins are permitted to invite new Admins, and change roles of employees. I want my manager to be able to import invoices, review them, pay or request payment - You can assign them the role of Manager with the Whole company scope, and activate the permission Upload and set up supplier invoices . If you’d like them to pay all invoices or some invoices within payment limits, you will need to enable “Make and approve transfers, and reimburse expense reports”. Note that if they do not have transfers permissions or they have reached their transfers limits, they will be able to make a transfer requests in the Supplier Invoice section. Enable to let them pay supplier invoices directly. Note that if you set transfer limits, above such limits transfers will require Admin, Account holder or Manager approval. The Manager can assist with the collection, review, and payment of supplier invoices (either directly or by requesting a payment).

https://help.qonto.com/en/articles/6324307-which-role-should-i-assign-to-a-trusted-employee-manager-or-admin

How do I confirm my device with email?

At Qonto, guaranteeing the security of your accounts is our priority. We use device confirmation , a security feature that requires devices ( mobile and computer ) to be authorized before accessing your account. This process should only need to be completed once for each device. ​ This is in complement of strong authentication ( SCA - Strong Customer Authentication ) required on your account. ​ ​ How to confirm the new device? To confirm your device after the log-in to the Qonto app, here are the conditions: Ensure the log-in is triggered by you and not anybody else trying to access your account. Qonto would never ask you to approve the log-in request. Accessing the email only from the device trying to log-in The link in the email will expire after 15 minutes If you do not recognize the device mentioned in the email, please contact our support immediately. Do not forward this email or share the link button with anyone , including people pretending to be Qonto. This is strictly confidential. ​ I have received a notification but I cannot find the email In that case, please follow the steps below 👇 Check your Spam or Trash folders Ensure emails from Qonto are not flagged as spams by verifying them Check the Social or Promotional tabs on Gmail if this is the web mail interface you use ​ ​ I have received an email but the link doesn’t work If this doesn’t work, this could be because of : An expired link: Initiate a new log-in attempt to restart the process A wrong device link: open the link on the same device, where you initially requested to log-in (link would not work on the paired device). If you are using a computer at the time, please open the link on the same browser as you attempted to log-in, avoid using private browsing modes. A redirection : If you still are redirected to the wrong device or expired links, contact the support via chat. ​ ​ I have received an email but the button doesn’t work Please try opening the email on a different email app or directly from the email provider, if this does not work, please contact us.

https://help.qonto.com/en/articles/8925590-how-do-i-confirm-my-device-with-email