Overview

The Business API enables:

our customers to access their Qonto business features remotely in order to automate their business operations (e.g. payments, card creation, transaction synchronisation and reconciliation);
our partners to access Qonto business features on behalf of their customers in order to:
- offer to those customers an integration with Qonto (and eventually publish this integration in our Marketplace),
- or, thanks to our Qonto Embed offering, operate Qonto business accounts directly from their platform with minimal back-and-forth between their application and the Qonto application.

Qonto business features includes the following (depending on the price plan of the business account): banking, invoicing, bookkeeping & more (cf. the endpoints available to discover all the capacities of the Business API).

Here are some examples of the Business API most used capabilities:

List transactions

To do so, you will need to call 2 endpoints:

Retrieve the authenticated organization and list bank accounts

🔗 Endpoint GET https://thirdparty.qonto.com/v2/organization
🔒 Auth API Key or OAuth 2.0 (organization.read scope)
📲 SCA No

To learn more about this endpoint, click here.
List transactions

You will need to specify the idor the iban of the bank account retrieved with the previous API call.

🔗 Endpoint GET https://thirdparty.qonto.com/v2/transactions
🔒 Auth API Key or OAuth 2.0 (organization.read scope)
📲 SCA No

To learn more about this endpoint, click here.


🔗 Endpoint	`GET https://thirdparty.qonto.com/v2/organization`
🔒 Auth	API Key or OAuth 2.0 (`organization.read` scope)
📲 SCA	No


🔗 Endpoint	`GET https://thirdparty.qonto.com/v2/transactions`
🔒 Auth	API Key or OAuth 2.0 (`organization.read` scope)
📲 SCA	No

Initiate external transfers

There are 3 different ways of initiating external transfers:

Create external transfers with beneficiaries data

This endpoint is only accessible using Strong Customer Authentication 👉 it requires a user interaction during the external transfers creation flow: the authenticated membership needs to approve the external transfers in the Qonto mobile app (after receiving a push notification).


🔗 Endpoint	`POST https://thirdparty.qonto.com/v2/external_transfers/checkout`
🔒 Auth	OAuth 2.0 only (`payment.write` scope)
📲 SCA	Yes 👉 the external transfers creation will not be fully automated; the authenticated membership will receive a push notification and will have to approve the external transfers within 15 minutes.
👤 Beneficiary type	Any type of beneficiary (i.e. new or existing one, trusted or not); if the beneficiary doesn’t exist, it will be created once the transfer is successfully created.
🔢 Number of transfers	Up to 400

To learn more about this endpoint, click here.

Create an external transfer with trusted beneficiary

This endpoint doesn’t require any user interaction once the beneficiary is trusted. A beneficiary can only be trusted through Qonto app.


🔗 Endpoint	`POST https://thirdparty.qonto.com/v2/external_transfers`
🔒 OAuth scope	OAuth 2.0 only (`payment.write` scope)
📲 SCA	No 👉 the external transfer creation will be fully automated.
👤 Beneficiary type	Only trusted beneficiary; the list of trusted beneficiaries can be retrieved through the List beneficiaries endpoint.
🔢 Number of transfers	1

To learn more about this endpoint, click here.

Create a transfers request

This endpoint requires a user interaction after the transfers request creation: the transfers request must be approved by a membership of the authenticated organization with permissions to review requests.


🔗 Endpoint	`POST https://thirdparty.qonto.com/v2/requests/multi_transfers`
🔒 OAuth scope	OAuth 2.0 only (`request_transfers.write` scope)
📲 SCA	No 👉 the transfers request creation will be fully automated but not the external transfers creation since the request will have first to be approved by a membership in the Qonto app without any time constraints.
👤 Beneficiary type	Any type of beneficiary (i.e. new or existing one, trusted or not); if the beneficiary doesn’t exist, it will be created once the transfer is successfully created.
🔢 Number of transfers	Up to 400

To learn more about this endpoint, click here.

Qonto APIs

Business API

Onboarding API

Qonto Embed Web SDK