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The Qonto Business API gives you programmatic access to Qonto’s core financial features, so you can build powerful integrations and automate your financial operations. If you are a:
  • Qonto customer, you can use it to automate your business operations: payments, card management, transaction sync & reconciliation, invoicing, and more.
  • Third-party platform or partner (ERP, accounting software, financial tool), you can connect to Qonto on behalf of your users to perform actions such as syncing transactions, initiating transfers, or managing invoices directly from your platform. You can also go further by publishing your integration on our Marketplace or embedding Qonto natively into your product via Qonto Embed.
Not sure which application use case applies to you? Find out which integration path fits your needs by checking our guide.
The features available depend on the price plan of the connected Qonto account. Browse the available endpoints to explore the full capabilities of the API.

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General rules

JSON is returned in all API responses, including errors. For security purposes:
  • All API requests must be made over HTTPS. Calls made over plain HTTP will fail.
  • All API requests (except the ones to /oauth2/auth) must be made from your backend. Direct calls from browsers will fail.

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How to read the API reference

The API reference is organized to help you quickly find what you’re looking for and understand how to use each endpoint:
  • Endpoint structure: Each endpoint is described with its HTTP method, URL, and a concise summary of its purpose.
  • Authentication: Each endpoint shows, right below its method and URL, the authentication methods it accepts (API key and/or OAuth 2.0) and the OAuth scope(s) it requires. Most endpoints are available through either an API key or OAuth, while a specific subset is only accessible via OAuth. See Scopes & endpoint access.
  • Parameters: You’ll see all required and optional parameters, including where to include them (in the path, query, or body).
  • Request examples: Sample requests show you how to format your calls.
  • Response details: Example responses and field descriptions help you process the data you receive.
  • Error handling: Common error responses are included so you can handle issues gracefully.

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How to use the API reference

  1. Start with the overviews:
    If you’re new to Qonto’s APIs, begin with this page or the Onboarding Partners API overview. They explain the main use cases and show how the APIs fit into your workflow.
  2. Read the developer guidelines:
    Before you start building, take a look at our Developer Guidelines, our step-by-step guide to build, test and release your integration.
  3. Use the endpoint documentation:
    Browse the API reference to find the resources you need. Each page follows the same structure, making it easy to scan and find the details you’re after.
  4. Try it out:
    Use the provided examples to help you get started with your own calls. Testing with sample data is a great way to confirm your integration is working as expected.     Run In Postman
  5. Handle errors appropriately:
    Error examples are included to help you build robust error handling into your application.

Not sure how to start building?

Check out our step-by-step use case guides to see how common integrations are built end-to-end. Each guide walks through real scenarios with full code examples in Python and Node.js, including how to send SEPA transfers, sync invoices and attachments, bulk upload supplier invoices, generate Factur-X PDFs, and sync transactions.

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Good to know

  • All API requests require authentication.
    Make sure to keep your credentials secure at all times. See Available methods.
  • The APIs are versioned.
    Always specify the version you want to use to ensure stability. See Versioning.
  • Follow rate limits.
    Respecting rate limits helps keep your integration running smoothly. See Rate limits.
If you have questions or need assistance, our team is here to help: see Support.

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In this section

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Business API

Introduction

Base URLs & environments, authentication, scopes, versioning, pagination, errors, idempotency and rate limits.

Authentication

OAuth 2.0 and SCA sessions.

Organization & accounts

Organizations, business accounts, memberships, teams, labels and subscription.

Transactions & statements

Transactions, statements, attachments and attachments in transactions.

Transfers

SEPA transfers and beneficiaries, Verification of Payee, bulk, recurring, internal and international transfers.

Getting paid

Payment links, terminals and SEPA Direct Debit (mandates, subscriptions, collections).

Cards

Create, update, lock and manage cards.

Invoicing

Clients, products, client invoices, quotes, credit notes, recurring invoices, reminders and invoicing settings.

Spend management

Suppliers, supplier invoices, requests and insurance contracts.

Cash flow

Cash flow categories, scenarios and targets.

Webhooks

Manage webhook subscriptions. Concepts and events live in the webhooks guides.

Partner endpoints

Encoded requests and Embed auth links.

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Onboarding Partners API

Onboarding Partners API

Introduction, registrations, files, partner events and webhooks.