Flows
Company creation
Open an account for a company which needs to be created (with capital deposit)
What makes Qonto’s onboarding special?
Setting up a company can often feel overwhelming, with all the paperwork, regulations, and red tape involved. But with Qonto, we make the process fast and hassle-free. We handle the complex tasks like K-deposit, Know Your Customer (KYC), and Know Your Business (KYB), so your customers can quickly open a company account — sometimes in as little as 10 minutes! We’ve streamlined the process so your customers don’t have to worry about all the usual paperwork, and instead, can focus on what matters most: running their business. Our Onboarding flow is:- ⚡️ fast: We’ve designed the onboarding process to be as quick and simple as possible. We aim to approve registrations within one business day, giving your customers immediate access to Qonto’s features.
- 🧘 hassle-free: We leverage all the information you provide, ensuring your customers don’t need to re-enter existing details—saving time and effort.
The Onboarding flow
Step-by-step guide
On your side
1
Initiate the registration
Create a registration by calling the Create a registration endpoint.
Don’t redirect your customer to Qonto yet, you need to upload documents first if you want to trigger the seamless flow.
2
Upload documents
To provide a smooth onboarding experience to your customer, we strongly recommend you to upload the documents listed below before redirecting your customer to Qonto.
To do so, you need to call the Create a file endpoint for each document to upload:
To do so, you need to call the Create a file endpoint for each document to upload:
- for the organization: by-laws (mandatory) and proof of address (optional);
- for each stakeholder: proof of identity (mandatory) and residence permit (optional).
If you don’t upload the documents, your customer will have to do it (i.e. the manual flow will be triggered).
Be sure to upload the correct documents for both the organization and all the stakeholders to keep the process moving forward.
3
Redirect your customer to Qonto
You need to redirect your customer to Qonto so they can complete the registration flow either by:
- (our recommendation 💜) getting the
redirect_urlassociated to the registration (you can retrieve it from the successful response of the Step 1 or by calling the Retrieve a registration endpoint); - calling the Send the redirection link to the owner endpoint.
On your customer side
Register a webhook endpoint in order to receive an event at each step of the onboarding flow.
1
Registration flow
Your customer needs to complete one of the 2 following flows (depending on the missing information) before accessing Qonto features:
Seamless flow (cf. the video 👆)
Seamless flow (cf. the video 👆)
When your customers’ data is complete (including optional fields), we kick off the Seamless flow. This means that once they’re redirected to Qonto’s platform, we’ll prefill all company and stakeholder information, allowing them to skip entering repetitive details. It’s a faster, smoother experience—just the way we like it!
However, if any necessary information is missing or doesn’t match what we have on file, we’ll shift to the Manual flow.
Manual flow
Manual flow
In the Manual Flow, your customer will need to review and update any missing or incorrect details. It may take a few extra steps, but we keep it as quick and easy as possible. The goal is to ensure that everything is accurate while keeping the onboarding process efficient.
The Retrieve a registration endpoint exposes which flow the customer followed.
2
Identity verification
Your customer needs to verify their identity. It will allow our team to review and activate their account.
3
Capital deposit
Your customer needs to:
- deposit the funds of the company;
- sign the deposit certificate request;
- upload the company KBIS (you can also upload the KBIS on behalf of your customer when receiving a
registrations.capital_deposit_certificate_signedevent).
Your customer has now an active Qonto account!
Sequence diagrams
To make it even easier to understand, we’ve provided visual sequence diagrams that outline the onboarding flow.On your side
On your customer side
You will receive webhook events only for registrations with
seamless flow type, since only these users will be onboarded through the fast track flow.