> ## Documentation Index
> Fetch the complete documentation index at: https://docs.qonto.com/llms.txt
> Use this file to discover all available pages before exploring further.
# v1/transfers
> OAuth scope: `organization.read`
Webhook that delivers events related to SEPA transfers.
Supported events:
- `created` — The transfer was created. Fires for transfers initiated outside your integration, and for each execution spawned by a recurring transfer.
- `processing` — The account balance was debited and a transaction was created. Can last several hours until the transfer is sent on the network.
- `settled` — The transfer was sent to the network. Permanent status.
- `declined` — The transfer was declined. `data.declined_reason` indicates why. Permanent status.
- `canceled` — The transfer was canceled by a user. Permanent status.
Events are delivered for the same transfers that `GET /v2/sepa/transfers` returns. The recurring
transfer resource itself is not covered here — subscribe to `v1/recurring-transfers` for that.
Deliveries are not deduplicated, so treat them idempotently: an unchanged transfer being saved
again can re-deliver the event matching its current status.
This topic delivers events related to SEPA transfers.
**Events:**
* **`created`** — The transfer was recorded. Fires for transfers initiated outside your integration, and for each execution spawned by a recurring transfer.
* **`processing`** — The account balance was debited and a transaction was created. Can last several hours until the transfer is sent on the network.
* **`settled`** — The transfer was sent to the network. Permanent status.
* **`declined`** — The transfer was declined. `data.declined_reason` indicates why. Permanent status.
* **`canceled`** — The transfer was canceled by a user. Permanent status.
`data` mirrors the payload of `GET /v2/sepa/transfers/{id}`, so you can upsert the transfer locally without a follow-up request. `data.transaction_id` links the transfer to its ledger transaction, letting you reconcile against the `v1/transactions` topic.
Events are delivered for the same transfers that `GET /v2/sepa/transfers` returns. The recurring transfer resource itself is **not** covered here — subscribe to [`v1/recurring-transfers`](/api-reference/business-api/webhooks/supported-webhooks/v1-recurring-transfers) for that. Individual executions of a recurring transfer *are* delivered on this topic, with `data.recurring_transfer_id` set.
**Deliveries are not deduplicated.** Treat them idempotently: an unchanged transfer being saved again can re-deliver the event matching its current status.
```json v1/transfers created theme={null}
{
"id": "123e4567-e89b-12d3-a456-426614174000",
"subscription_id": "123e4567-e89b-12d3-a456-426614174000",
"organization_id": "123e4567-e89b-12d3-a456-426614174000",
"membership_id": "123e4567-e89b-12d3-a456-426614174000",
"type": "v1/transfers",
"created_at": "2025-04-22T12:00:00Z",
"data": {
"event": "created",
"id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
"initiator_id": "8b1a9953-2c31-4f9d-9c0e-1f2b3c4d5e6f",
"bank_account_id": "b3f1c2d4-5e6f-7a8b-9c0d-1e2f3a4b5c6d",
"amount": 1100.50,
"amount_cents": 110050,
"amount_currency": "EUR",
"status": "pending",
"beneficiary_id": "c4d5e6f7-a8b9-4c0d-8e2f-3a4b5c6d7e8f",
"reference": "Lease payment",
"note": "Lease payment for offices in Paris",
"declined_reason": null,
"scheduled_date": "2025-04-22",
"created_at": "2025-04-22T12:00:00Z",
"processed_at": null,
"completed_at": null,
"transaction_id": null,
"recurring_transfer_id": null
}
}
```
```json v1/transfers settled theme={null}
{
"id": "123e4567-e89b-12d3-a456-426614174000",
"subscription_id": "123e4567-e89b-12d3-a456-426614174000",
"organization_id": "123e4567-e89b-12d3-a456-426614174000",
"membership_id": "123e4567-e89b-12d3-a456-426614174000",
"type": "v1/transfers",
"created_at": "2025-04-22T14:30:00Z",
"data": {
"event": "settled",
"id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
"initiator_id": "8b1a9953-2c31-4f9d-9c0e-1f2b3c4d5e6f",
"bank_account_id": "b3f1c2d4-5e6f-7a8b-9c0d-1e2f3a4b5c6d",
"amount": 1100.50,
"amount_cents": 110050,
"amount_currency": "EUR",
"status": "settled",
"beneficiary_id": "c4d5e6f7-a8b9-4c0d-8e2f-3a4b5c6d7e8f",
"reference": "Lease payment",
"note": "Lease payment for offices in Paris",
"declined_reason": null,
"scheduled_date": "2025-04-22",
"created_at": "2025-04-22T12:00:00Z",
"processed_at": "2025-04-22T12:05:00Z",
"completed_at": "2025-04-22T14:30:00Z",
"transaction_id": "d5e6f7a8-b9c0-4d1e-8f3a-4b5c6d7e8f90",
"recurring_transfer_id": null
}
}
```
```json v1/transfers declined theme={null}
{
"id": "123e4567-e89b-12d3-a456-426614174000",
"subscription_id": "123e4567-e89b-12d3-a456-426614174000",
"organization_id": "123e4567-e89b-12d3-a456-426614174000",
"membership_id": "123e4567-e89b-12d3-a456-426614174000",
"type": "v1/transfers",
"created_at": "2025-04-22T12:06:00Z",
"data": {
"event": "declined",
"id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
"initiator_id": "8b1a9953-2c31-4f9d-9c0e-1f2b3c4d5e6f",
"bank_account_id": "b3f1c2d4-5e6f-7a8b-9c0d-1e2f3a4b5c6d",
"amount": 1100.50,
"amount_cents": 110050,
"amount_currency": "EUR",
"status": "declined",
"beneficiary_id": "c4d5e6f7-a8b9-4c0d-8e2f-3a4b5c6d7e8f",
"reference": "Lease payment",
"note": null,
"declined_reason": "debit_account_insufficient_funds",
"scheduled_date": "2025-04-22",
"created_at": "2025-04-22T12:00:00Z",
"processed_at": "2025-04-22T12:05:00Z",
"completed_at": "2025-04-22T12:06:00Z",
"transaction_id": null,
"recurring_transfer_id": null
}
}
```
## OpenAPI
````yaml webhook v1/transfers
openapi: 3.1.1
info:
version: v2
title: Qonto
servers:
- url: https://thirdparty.qonto.com
description: Production URL
- url: https://thirdparty-sandbox.staging.qonto.co
description: Sandbox URL
security:
- OAuth:
- organization.read
- membership.read
- membership.write
- attachment.write
- internal_transfer.write
- payment.write
- supplier_invoice.write
- supplier_invoice.read
- client_invoices.read
- client_invoice.write
- client.read
- client.write
- product.read
- product.write
- request_review.write
- request_review.read
- team.read
- team.write
- request_transfers.write
- insurance_contract.read
- insurance_contract.write
- card.read
- card.write
- bank_account.write
- beneficiary.trust
- webhook
- payment_link.write
- payment_link.read
- sepa_direct_debit.read
- sepa_direct_debit.write
- terminal.read
- terminal.write
- SecretKey: []
paths: {}
components:
securitySchemes:
OAuth:
type: oauth2
description: >
Bearer authorization header: `Bearer `, where `` is the
access token received from the authorization server at the end of the
[OAuth 2.0
flow](/get-started/business-api/authentication/oauth/oauth-flow).
flows:
authorizationCode:
refreshUrl: https://oauth.qonto.com/oauth2/token
authorizationUrl: https://oauth.qonto.com/oauth2/auth
scopes:
attachment.read: Retrieve attachments
attachment.write: Upload attachments and remove attachments from transactions
bank_account.write: Create, update and close bank accounts
beneficiary.trust: Trust SEPA beneficiaries
card.read: Retrieve cards
card.write: Create or update cards
cash_flow_category.read: Retrieve cash flow categories
cash_flow_category.write: Create cash flow categories and assign them to transactions
client.read: Retrieve clients
client.write: Create clients
client_invoice.write: Create client invoices
client_invoices.read: Retrieve client invoices and credit notes
einvoicing.read: Retrieve e-invoicing settings
embed_auth_link.write: Create Embed auth links
insurance_contract.read: Retrieve insurance contracts
insurance_contract.write: Create and update insurance contracts
internal_transfer.write: >-
Create internal transfers (between 2 Qonto accounts of the same
organization)
international_transfer.write: Create international transfers
membership.read: Retrieve the authentified membership
membership.write: Invite team members
offline_access: Retrieve a refresh token
organization.read: >-
Retrieve organization, bank accounts, transactions, transfers,
beneficiaries, labels, memberships, requests & statements
payment.write: Create external transfers and untrust beneficiaries
payment_link.read: >-
Retrieve payment links, their payments, and the available payment
methods
payment_link.write: >-
Connect to the payment links provider, create and deactivate
payment links
product.read: Retrieve products
product.write: Create products
request_cards.write: Create card requests
request_review.write: Approve or decline requests
request_transfers.write: Create transfer requests
sepa_direct_debit.read: View SEPA Direct Debit payments
sepa_direct_debit.write: Manage SEPA Direct Debit payments
subscription.read: Retrieve the organization's current subscription plan
supplier_invoice.read: Retrieve supplier invoices
supplier_invoice.write: Create supplier invoices
team.read: Retrieve teams
team.write: Create teams
terminal.read: View your payment terminals
terminal.write: Configure your terminals and initiate payments
user_organization.read: View the organizations the user has granted access to
webhook: >-
Receive a notification each time a particular event occurs in
Qonto
tokenUrl: https://oauth.qonto.com/oauth2/token
SecretKey:
type: apiKey
description: cf. [API key](/get-started/business-api/authentication/api-key)
name: Authorization
in: header
````