Flows
Existing company
Open an account for an existing company
What makes Qonto’s onboarding special?
When your customer already has a registered company with an established capital structure and stakeholder information, opening a Qonto account becomes a seamless experience. This process involves just a few simple steps, allowing them to quickly connect their existing business to Qonto’s comprehensive financial management solutions. 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:
- Thanks to partnerships with trusted third parties (like INPI), we can automatically retrieve a lot of essential company data. That means your customers don’t have to re-enter information that’s already available—saving time and effort.
- 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.
2
Redirect your customer to Qonto
You need to redirect your customer to Qonto so they can complete the registration flow either by:
- 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.
3
Identity verification
Once registered, your customer will need to verify their identity. It will allow our team to review and activate their account.
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
Once registered, your customer needs to verify their identity. It will allow our team to review and activate their account.
Your customer has now an active Qonto account!