> ## 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. # Introduction > Authentication to the API is performed via HTTP, using the `Authorization` header. API requests without authentication will fail. The Business API supports 2 authentication methods: * [API key](/get-started/business-api/authentication/api-key) * [OAuth 2.0](/get-started/business-api/authentication/oauth/oauth-flow) 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). ## 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](#endpoints-access) to identify if you need to use an endpoint which is only accessible through OAuth). Follow [those steps](/get-started/business-api/authentication/api-key). * Sign up to the [Developer Portal](https://developers.qonto.com/) to get your credentials (as well as an access to our Sandbox environment); * Implement the [OAuth flow](/get-started/business-api/authentication/oauth/oauth-flow). * Sign up to the [Developer Portal](https://developers.qonto.com/) to get your credentials (as well as an access to our Sandbox environment); * Implement the [OAuth flow](/get-started/business-api/authentication/oauth/oauth-flow). ## Endpoints access | Endpoint | OAuth 2.0 | API key | SCA | OAuth scope | | | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------- | ------- | --- | ------------------------------ | - | | *External transfers* | | | | | | | [Retrieve an external transfer](/api-reference/business-api/payments-transfers/external-transfers/retrieve-an-external-transfer) | ✔️ | ✔️ | | `organization.read` | | | [List external transfers](/api-reference/business-api/payments-transfers/external-transfers/list-external-transfers) | ✔️ | ✔️ | | `organization.read` | | | [Create an external transfer for a trusted beneficiary](/api-reference/business-api/payments-transfers/external-transfers/create-an-external-transfer-for-a-trusted-beneficiary) | ✔️ | | | `payment.write` | | | [Create external transfers with beneficiaries data](/api-reference/business-api/payments-transfers/external-transfers/create-external-transfers-with-beneficiaries-data) | ✔️ | | ✔️ | `payment.write` | | | *Beneficiaries* | | | | | | | [List beneficiaries](/api-reference/business-api/payments-transfers/sepa-transfers/beneficiaries/list-beneficiaries) | ✔️ | ✔️ | | `organization.read` | | | [Retrieve a beneficiary](/api-reference/business-api/payments-transfers/sepa-transfers/beneficiaries/retrieve-a-beneficiary) | ✔️ | ✔️ | | `organization.read` | | | [Untrust a list of beneficiaries](/api-reference/business-api/payments-transfers/sepa-transfers/beneficiaries/untrust-a-list-of-beneficiaries) | ✔️ | ✔️ | | `payment.write` | | | *SEPA Beneficiaries* | | | | | | | [List SEPA beneficiaries](/api-reference/business-api/payments-transfers/sepa-transfers/beneficiaries/sepa-beneficiaries/index) | ✔️ | ✔️ | | `organization.read` | | | [Add a SEPA beneficiary](/api-reference/business-api/payments-transfers/sepa-transfers/beneficiaries/sepa-beneficiaries/create) | ✔️ | | | `payment.write` | | | [Retrieve a SEPA beneficiary](/api-reference/business-api/payments-transfers/sepa-transfers/beneficiaries/sepa-beneficiaries/show) | ✔️ | ✔️ | | `organization.read` | | | [Update a SEPA beneficiary](/api-reference/business-api/payments-transfers/sepa-transfers/beneficiaries/sepa-beneficiaries/update) | ✔️ | | | `payment.write` | | | [Trust SEPA beneficiaries](/api-reference/business-api/payments-transfers/sepa-transfers/beneficiaries/sepa-beneficiaries/trust) | ✔️ | | ✔️ | `beneficiary.trust` | | | [Untrust SEPA beneficiaries](/api-reference/business-api/payments-transfers/sepa-transfers/beneficiaries/sepa-beneficiaries/untrust) | ✔️ | | | `payment.write` | | | *International transfers* | | | | | | | [List Intenational transfer requirements](/api-reference/business-api/payments-transfers/international-transfers/list-transfer-requirements) | ✔️ | | | `international_transfer.write` | | | [Create International Transfers](/api-reference/business-api/payments-transfers/international-transfers/list-transfer-requirements) | ✔️ | | ✔️ | `international_transfer.write` | | | [List requirements for an international beneficiary](/api-reference/business-api/payments-transfers/international-transfers/list-beneficiary-requirements) | ✔️ | | | `international_transfer.write` | | | [Update an international beneficiary](/api-reference/business-api/payments-transfers/international-transfers/update-beneficiary) | ✔️ | | | `international_transfer.write` | | | [Create an international beneficiary](/api-reference/business-api/payments-transfers/international-transfers/create-beneficiary) | ✔️ | | | `international_transfer.write` | | | [Delete an international beneficiary](/api-reference/business-api/payments-transfers/international-transfers/delete-beneficiary) | ✔️ | | | `international_transfer.write` | | | [Create a new international transfer quote](/api-reference/business-api/payments-transfers/international-transfers/create-international-quote) | ✔️ | | | `international_transfer.write` | | | *Attachments* | | | | | | | [Upload an attachment](/api-reference/business-api/expense-management/attachments/upload-an-attachment) | ✔️ | ✔️ | | `attachment.write` | | | [Retrieve an attachment](/api-reference/business-api/expense-management/attachments/retrieve-an-attachment) | ✔️ | ✔️ | | `attachment.read` | | | *Labels* | | | | | | | [List labels](/api-reference/business-api/accounts-organizations/labels/list-labels) | ✔️ | ✔️ | | `organization.read` | | | [Retrieve a label](/api-reference/business-api/accounts-organizations/labels/retrieve-a-label) | ✔️ | ✔️ | | `organization.read` | | | *Memberships* | | | | | | | [List memberships](/api-reference/business-api/accounts-organizations/memberships/list-memberships) | ✔️ | ✔️ | | `organization.read` | | | [Retrieve the authenticated membership](/api-reference/business-api/accounts-organizations/memberships/retrieve-the-authenticated-membership) | ✔️ | | | `membership.read` | | | [Create a membership](/api-reference/business-api/accounts-organizations/memberships/create-a-membership) | ✔️ | | | `membership.write` | | | *Organization* | | | | | | | [Retrieve the authenticated organization and list bank accounts](/api-reference/business-api/accounts-organizations/organizations/retrieve-the-authenticated-organization-and-list-bank-accounts) | ✔️ | ✔️ | | `organization.read` | | | *Attachments in transactions* | | | | | | | [List attachments for a transaction](api-reference/business-api/expense-management/attachments-in-transactions/list-attachments-for-a-transaction) | ✔️ | ✔️ | | `attachment.read` | | | [Upload an attachment to a transaction](/api-reference/business-api/expense-management/attachments-in-transactions/upload-an-attachment-to-a-transaction) | ✔️ | ✔️ | | `attachment.write` | | | [Remove all attachments from a transaction](/api-reference/business-api/expense-management/attachments-in-transactions/remove-all-attachments-from-a-transaction) | ✔️ | ✔️ | | `attachment.write` | | | [Remove an attachment from a transaction](/api-reference/business-api/expense-management/attachments-in-transactions/remove-an-attachment-from-a-transaction) | ✔️ | ✔️ | | `attachment.write` | | | *Transactions* | | | | | | | [List transactions](/api-reference/business-api/transactions-statements/transactions/list-transactions) | ✔️ | ✔️ | | `organization.read` | | | [Retrieve a transaction](/api-reference/business-api/transactions-statements/transactions/retrieve-a-transaction) | ✔️ | ✔️ | | `organization.read` | | | *Internal transfers* | | | | | | | [Create an internal transfer](/api-reference/business-api/payments-transfers/internal-transfers/create-an-internal-transfer) | ✔️ | ✔️ | | `internal_transfer.write` | | | *Requests* | | | | | | | [List requests](/api-reference/business-api/expense-management/requests/list-requests) | ✔️ | ✔️ | | `organization.read` | | | [Create a flash card request](/api-reference/business-api/expense-management/requests/create-a-flash-card-request) | ✔️ | | | `request_transfers.write` | | | [Create a virtual card request](/api-reference/business-api/expense-management/requests/create-a-virtual-card-request) | ✔️ | | | `request_transfers.write` | | | [Create multi transfer request](/api-reference/business-api/expense-management/requests/create-multi-transfer-request) | ✔️ | | | `request_transfers.write` | | | [Approve a request](/api-reference/business-api/expense-management/requests/approve-a-request) | ✔️ | | ✔️ | `request_transfers.write` | | | [Decline a request](/api-reference/business-api/expense-management/requests/decline-a-request) | ✔️ | | | `request_transfers.write` | | | *Supplier invoices* | | | | | | | [Retrieve a supplier invoice](/api-reference/business-api/expense-management/supplier-invoices/retrieve-a-supplier-invoice) | ✔️ | ✔️ | | `supplier_invoice.read` | | | [List supplier invoices](/api-reference/business-api/expense-management/supplier-invoices/list-supplier-invoices) | ✔️ | ✔️ | | `supplier_invoice.read` | | | [Create supplier invoices](/api-reference/business-api/expense-management/supplier-invoices/create-supplier-invoices) | ✔️ | ✔️ | | `supplier_invoice.write` | | | *Client invoices* | | | | | | | [List client invoices](/api-reference/business-api/expense-management/client-quotes-notes/client-invoices/list-client-invoices) | ✔️ | ✔️ | | `client_invoices.read` | | | [Create a client invoice](/api-reference/business-api/expense-management/client-quotes-notes/client-invoices/create-a-client-invoice) | ✔️ | ✔️ | | `client_invoice.write` | | | [Retrieve a client invoice](/api-reference/business-api/expense-management/client-quotes-notes/client-invoices/retrieve-a-client-invoice) | ✔️ | ✔️ | | `client_invoices.read` | | | [Update a client invoice](/api-reference/business-api/expense-management/client-quotes-notes/client-invoices/update-a-client-invoice) | ✔️ | ✔️ | | `client_invoice.write` | | | [Mark a client invoice as canceled](/api-reference/business-api/expense-management/client-quotes-notes/client-invoices/mark-a-client-invoice-as-canceled) | ✔️ | ✔️ | | `client_invoice.write` | | | [Unmark a client invoice as paid](/api-reference/business-api/expense-management/client-quotes-notes/client-invoices/unmark-a-client-invoice-as-paid) | ✔️ | ✔️ | | `client_invoice.write` | | | [Delete a client invoice](/api-reference/business-api/expense-management/client-quotes-notes/client-invoices/delete-a-client-invoice) | ✔️ | ✔️ | | `client_invoice.write` | | | [Mark a client invoice as paid](/api-reference/business-api/expense-management/client-quotes-notes/client-invoices/mark-a-client-invoice-as-paid) | ✔️ | ✔️ | | `client_invoice.write` | | | *Credit notes* | | | | | | | [List credit notes](/api-reference/business-api/expense-management/client-quotes-notes/credit-notes/list-credit-notes) | ✔️ | ✔️ | | `client_invoices.read` | | | [Retrieve a credit note](/api-reference/business-api/expense-management/client-quotes-notes/credit-notes/retrieve-a-credit-note) | ✔️ | ✔️ | | `client_invoices.read` | | | *Clients* | | | | | | | [Retrieve a client](/api-reference/business-api/clients/retrieve-a-client) | ✔️ | ✔️ | | `client.read` | | | [List clients](/api-reference/business-api/clients/list-clients) | ✔️ | ✔️ | | `client.read` | | | [Create a client](/api-reference/business-api/clients/create-a-client) | ✔️ | ✔️ | | `client.write` | | | [Update a client](/api-reference/business-api/clients/update-a-client) | ✔️ | ✔️ | | `client.write` | | | [Delete a client](/api-reference/business-api/clients/delete-a-client) | ✔️ | ✔️ | | `client.write` | | | *Products* | | | | | | | [List products](/api-reference/business-api/expense-management/products/list-products) | ✔️ | ✔️ | | `product.read` | | | [Create a product](/api-reference/business-api/expense-management/products/create-a-product) | ✔️ | ✔️ | | `product.write` | | | *Teams* | | | | | | | [List teams](/api-reference/business-api/accounts-organizations/teams/list-teams) | ✔️ | | | `team.read` | | | [Create a team](/api-reference/business-api/accounts-organizations/teams/create-a-team) | ✔️ | | | `team.write` | | | *Statements* | | | | | | | [Retrieve a statement](/api-reference/business-api/transactions-statements/statements/retrieve-a-statement) | ✔️ | ✔️ | | `organization.read` | | | [List statements](/api-reference/business-api/transactions-statements/statements/list-statements) | ✔️ | ✔️ | | `organization.read` | | | *Insurance contracts* | | | | | | | [Create an insurance contract](/api-reference/business-api/expense-management/insurance-contracts/create-an-insurance-contract) | ✔️ | | | `insurance_contract.write` | | | [Retrieve an insurance contract](/api-reference/business-api/expense-management/insurance-contracts/retrieve-an-insurance-contract) | ✔️ | | | `insurance_contract.read` | | | [Update an insurance contract](/api-reference/business-api/expense-management/insurance-contracts/update-an-insurance-contract) | ✔️ | | | `insurance_contract.write` | | | [Upload a document to an insurance contract](/api-reference/business-api/expense-management/insurance-contracts/upload-a-document-to-an-insurance-contract) | ✔️ | | | `insurance_contract.write` | | | [Remove a document from an insurance contract](/api-reference/business-api/expense-management/insurance-contracts/remove-a-document-from-an-insurance-contract) | ✔️ | | | `insurance_contract.write` | | | *Cards* | | | | | | | [List cards](/api-reference/business-api/cards/list-cards) | ✔️ | | | `card.read` | | | [Create a card](/api-reference/business-api/cards/create-a-card) | ✔️ | | ✔️ | `card.write` | | | [Bulk Create a card](/api-reference/business-api/cards/bulk-create-cards) | ✔️ | | ✔️ | `card.write` | | | [Retrieve a card iframe url](/api-reference/business-api/cards/retrieve-a-card-iframe-url) | ✔️ | | | `card.read` | | | [Report a physical card as lost](/api-reference/business-api/cards/report-a-physical-card-as-lost) | ✔️ | | | `card.write` | | | [Report a physical card as stolen](/api-reference/business-api/cards/report-a-physical-card-as-stolen) | ✔️ | | | `card.write` | | | [Discard a card](/api-reference/business-api/cards/discard-a-card) | ✔️ | | | `card.write` | | | [Lock a card](/api-reference/business-api/cards/lock-a-card) | ✔️ | | | `card.write` | | | [Unlock a card](/api-reference/business-api/cards/unlock-a-card) | ✔️ | | ✔️ | `card.write` | | | [Update a card's limits](/api-reference/business-api/cards/update-a-cards-limits) | ✔️ | | ✔️ | `card.write` | | | [Update a card's restrictions](/api-reference/business-api/cards/update-a-cards-nickname) | ✔️ | | | `card.write` | | | [Update a card's options](/api-reference/business-api/cards/update-a-cards-options) | ✔️ | | | `card.write` | | | [Update a card's nickname](/api-reference/business-api/cards/update-a-cards-restrictions) | ✔️ | | | `card.write` | | | *Business Accounts* | | | | | | | [List business accounts](/api-reference/business-api/accounts-organizations/business-accounts/list) | ✔️ | ✔️ | | `organization.read` | | | [Retrieve a business account](/api-reference/business-api/accounts-organizations/business-accounts/show) | ✔️ | ✔️ | | `organization.read` | | | [Create a business account](/api-reference/business-api/accounts-organizations/business-accounts/create) | ✔️ | | | `bank_account.write` | | | [Update a business account](/api-reference/business-api/accounts-organizations/business-accounts/update) | ✔️ | | | `bank_account.write` | | | [Close a business account](/api-reference/business-api/accounts-organizations/business-accounts/close) | ✔️ | | ✔️ | `bank_account.write` | | | *Payment Links* | | | | | | | [Connect to the payment links provider](/api-reference/business-api/payments-transfers/payment-links/connect) | ✔️ | | | `payment_link.write` | | | [Get the connection status](/api-reference/business-api/payments-transfers/payment-links/get-connection) | ✔️ | | | `payment_link.read` | | | [List payment links](/api-reference/business-api/payments-transfers/payment-links/index) | ✔️ | | | `payment_link.read` | | | [Create a payment link](/api-reference/business-api/payments-transfers/payment-links/create) | ✔️ | | | `payment_link.write` | | | [Retrieve a payment link](/api-reference/business-api/payments-transfers/payment-links/show) | ✔️ | | | `payment_link.read` | | | [Deactivate a payment link](/api-reference/business-api/payments-transfers/payment-links/deactivate) | ✔️ | | | `payment_link.write` | | | [List payments for a payment link](/api-reference/business-api/payments-transfers/payment-links/index-payments) | ✔️ | | | `payment_link.read` | | | [List available payment methods](/api-reference/business-api/payments-transfers/payment-links/index-payment-methods) | ✔️ | | | `payment_link.read` | | | *Webhooks* | | | | | | | [List webhook subscriptions](/api-reference/business-api/webhooks/list-webhook-subscriptions) | ✔️ | | | `webhook` | | | [Create a new webhook subscription](/api-reference/business-api/webhooks/create-a-webhook-subscription) | ✔️ | | | `webhook` | | | [Get a webhook subscription](/api-reference/business-api/webhooks/get-a-webhook-subscription) | ✔️ | | | `webhook` | | | [Update a webhook subscription](/api-reference/business-api/webhooks/update-a-webhook-subscription) | ✔️ | | | `webhook` | | | [Delete a webhook subscription](/api-reference/business-api/webhooks/delete-a-webhook-subscription) | ✔️ | | | `webhook` | | | *E-invoicing* | | | | | | | [Retrieve e-invoicing settings](/api-reference/business-api/expense-management/e-invoicing/retrieve-settings) | ✔️ | | | `einvoicing.read` | | | *Incoming SEPA Direct Debit* | | | | | | | [List SEPA Direct Debit mandates](/api-reference/business-api/payments-transfers/sepa-direct-debit/mandates/index.mdx) | ✔️ | | | `sepa_direct_debit.read` | | | [Get a SEPA Direct Debit mandate](/api-reference/business-api/payments-transfers/sepa-direct-debit/mandates/show.mdx) | ✔️ | | | `sepa_direct_debit.read` | | | [Create a SEPA Direct Debit mandate](/api-reference/business-api/payments-transfers/sepa-direct-debit/mandates/create.mdx) | ✔️ | | | `sepa_direct_debit.write` | | | [List SEPA Direct Debit subscriptions](/api-reference/business-api/payments-transfers/sepa-direct-debit/subscriptions/index.mdx) | ✔️ | | | `sepa_direct_debit.read` | | | [Get a SEPA Direct Debit subscription](/api-reference/business-api/payments-transfers/sepa-direct-debit/subscriptions/show.mdx) | ✔️ | | | `sepa_direct_debit.read` | | | [Create a SEPA Direct Debit subscription](/api-reference/business-api/payments-transfers/sepa-direct-debit/subscriptions/create.mdx) | ✔️ | | | `sepa_direct_debit.write` | | | [List SEPA Direct Debit collections](/api-reference/business-api/payments-transfers/sepa-direct-debit/collections/index.mdx) | ✔️ | | | `sepa_direct_debit.read` | | | [Get a SEPA Direct Debit collection](/api-reference/business-api/payments-transfers/sepa-direct-debit/collections/show.mdx) | ✔️ | | | `sepa_direct_debit.read` | | | *Terminals* | | | | | | | [List terminals](/api-reference/business-api/terminals/list-terminals) | ✔️ | | | `terminal.read` | | | [Get a terminal payment](/api-reference/business-api/terminals/get-terminal-payment) | ✔️ | | | `terminal.read` | | | [Create a terminal payment](/api-reference/business-api/terminals/create-terminal-payment) | ✔️ | | | `terminal.write` | |