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The Business API supports 2 authentication methods: Depending on who will be using your integration and which endpoints you will be calling, you could need to use OAuth 2.0 (instead of the API key).

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Which authentication method do I need?

To authenticate to the Business API with your own Qonto account, you have 2 options depending on the endpoints you will be calling (cf. the table below to identify if you need to use an endpoint which is only accessible through OAuth).
Follow those steps.
  • Sign up to the Developer Portal to get your credentials (as well as an access to our Sandbox environment);
  • Implement the OAuth flow.

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Endpoints access

EndpointOAuth 2.0API keySCAOAuth scope
External transfers
Retrieve an external transfer✔️✔️organization.read
List external transfers✔️✔️organization.read
Create an external transfer for a trusted beneficiary✔️payment.write
Create external transfers with beneficiaries data✔️✔️payment.write
Beneficiaries
List beneficiaries✔️✔️organization.read
Retrieve a beneficiary✔️✔️organization.read
Untrust a list of beneficiaries✔️✔️payment.write
SEPA Beneficiaries
List SEPA beneficiaries✔️✔️organization.read
Add a SEPA beneficiary✔️payment.write
Retrieve a SEPA beneficiary✔️✔️organization.read
Update a SEPA beneficiary✔️payment.write
Trust SEPA beneficiaries✔️✔️beneficiary.trust
Untrust SEPA beneficiaries✔️payment.write
International transfers
List Intenational transfer requirements✔️international_transfer.write
Create International Transfers✔️✔️international_transfer.write
List requirements for an international beneficiary✔️international_transfer.write
Update an international beneficiary✔️international_transfer.write
Create an international beneficiary✔️international_transfer.write
Delete an international beneficiary✔️international_transfer.write
Create a new international transfer quote✔️️international_transfer.write
Attachments
Upload an attachment✔️✔️attachment.write
Retrieve an attachment✔️✔️organization.read
Labels
List labels✔️✔️organization.read
Retrieve a label✔️✔️organization.read
Memberships
List memberships✔️✔️organization.read
Retrieve the authenticated membership✔️membership.read
Create a membership✔️membership.write
Organization
Retrieve the authenticated organization and list bank accounts✔️✔️organization.read
Attachments in transactions
List attachments for a transaction✔️✔️organization.read
Upload an attachment to a transaction✔️✔️attachment.write
Remove all attachments from a transaction✔️✔️attachment.write
Remove an attachment from a transaction✔️✔️attachment.write
Transactions
List transactions✔️✔️organization.read
Retrieve a transaction✔️✔️organization.read
Internal transfers
Create an internal transfer✔️✔️internal_transfer.write
Requests
List requests✔️✔️organization.read
Create a flash card request✔️request_transfers.write
Create a virtual card request✔️request_transfers.write
Create multi transfer request✔️request_transfers.write
Approve a request✔️✔️request_transfers.write
Decline a request✔️request_transfers.write
Supplier invoices
Retrieve a supplier invoice✔️✔️supplier_invoice.read
List supplier invoices✔️✔️supplier_invoice.read
Create supplier invoices✔️✔️supplier_invoice.write
Client invoices
List client invoices✔️✔️client_invoices.read
Create a client invoice✔️✔️client_invoice.write
Retrieve a client invoice✔️✔️client_invoices.read
Update a client invoice✔️✔️client_invoice.write
Mark a client invoice as canceled✔️✔️client_invoice.write
Unmark a client invoice as paid✔️✔️client_invoice.write
Delete a client invoice✔️✔️client_invoice.write
Mark a client invoice as paid✔️✔️client_invoice.write
Credit notes
List credit notes✔️✔️client_invoices.read
Retrieve a credit note✔️✔️client_invoices.read
Clients
Retrieve a client✔️✔️client.read
List clients✔️✔️client.read
Create a client✔️✔️client.write
Update a client✔️✔️client.write
Delete a client✔️✔️client.write
Teams
List teams✔️team.read
Create a team✔️team.write
Statements
Retrieve a statement✔️✔️organization.read
List statements✔️✔️organization.read
Insurance contracts
Create an insurance contract✔️insurance_contract.write
Retrieve an insurance contract✔️insurance_contract.read
Update an insurance contract✔️insurance_contract.write
Upload a document to an insurance contract✔️insurance_contract.write
Remove a document from an insurance contract✔️insurance_contract.write
Cards
List cards✔️card.read
Create a card✔️✔️card.write
Bulk Create a card✔️✔️card.write
Retrieve a card iframe url✔️card.read
Report a physical card as lost✔️card.write
Report a physical card as stolen✔️card.write
Discard a virtual card✔️card.write
Lock a card✔️card.write
Unlock a card✔️✔️card.write
Update a card’s limits✔️✔️card.write
Update a card’s restrictions✔️card.write
Update a card’s options✔️card.write
Update a card’s nickname✔️card.write
Business Accounts
List business accounts✔️✔️organization.read
Retrieve a business account✔️✔️organization.read
Create a business account✔️bank_account.write
Update a business account✔️bank_account.write
Close a business account✔️✔️bank_account.write
Payment Links
Connect to the payment links provider✔️payment_link.write
Get the connection status✔️payment_link.read
List payment links✔️payment_link.read
Create a payment link✔️payment_link.write
Retrieve a payment link✔️payment_link.read
Deactivate a payment link✔️payment_link.write
List payments for a payment link✔️payment_link.read
List available payment methods✔️payment_link.read
Webhooks
List webhook subscriptions✔️webhook
Create a new webhook subscription✔️webhook
Get a webhook subscription✔️webhook
Update a webhook subscription✔️webhook
Delete a webhook subscription✔️webhook
E-invoicing
Retrieve e-invoicing settings✔️einvoicing.read