> ## 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.
# November
## **UI Elements: Pre-Built Features, Maximum Impact**
We're introducing UI Elements—think of them as features built and ready to go, straight out of the box. Less integration work. Less custom code.
**Available today:**
* SEPA Transfer List UI Element - Display all your user's SEPA transfers in a beautiful, functional table with zero effort. Just call a function and you're done.
**Coming very soon:**
* SEPA Transfer Creation UI Element - Let your users create SEPA transfers without you having to build the entire flow from scratch.
**Why this matters:**
UI Elements are our answer to a simple question: "Why should developers rebuild what we've already built?" Now they don't have to. Drop in a component, customize the styling to match your brand, and move on to what makes your product unique.
## **Beneficiary Webhooks: Real-Time Sync, Zero Polling**
Here's a problem we just solved: constantly checking if beneficiary data changed.
We just shipped Beneficiary Webhooks that eliminate that pain entirely. Now your systems get instant notifications whenever a beneficiary is created, updated, or deleted.
**What this unlocks:**
* Real-Time Synchronization - Get notified instantly when beneficiaries change. Your system reacts immediately instead of constantly asking "has anything changed?"
* Smarter Payment Automation - Automatically validate and sync beneficiary data before SEPA transfers or bulk payments.
* Security Built In - Track changes to trusted beneficiaries (critical since they can bypass SCA for automated transfers). Maintain rock-solid audit trails of who added or modified payment recipients.
**The bottom line:**
Your beneficiary data is no longer a source of friction—it's a trigger for automation. When your systems know about changes the instant they happen, everything becomes more efficient, more secure, and more reliable.
## **Payment Links Level Up: Now Powered by Qonto Invoices**
We've expanded the **Create Payment Link endpoint** so you can now generate payment links directly from Qonto invoices. This means:
* Your users can transform any Qonto invoice into a shareable, secure payment link in seconds
* One less step, one more reason to stay inside your platform
* More flexibility in how you structure payment collection workflows
Whether you're building from a basket or an invoice, payment links now work wherever your users need them.
## **The ACD Story: When Banking Becomes Part of Your Accounting DNA**
Instead of forcing accountants and SMEs to ping-pong between banking and accounting software, ACD brought Qonto's business banking features directly into the daily workflow.
**What the ACD x Qonto integration unlocks today:**
* Seamless Account Creation - Simplified onboarding thanks to native communication between ACD and Qonto.
* A "Pay with Qonto" button appears. Settle supplier invoices directly inside ACD. No bank login. No app switching. Just fast processing, fewer errors, and automatic bank reconciliation.
**What's coming in early 2026 (and it's game-changing):**
* Automatic Bank Statement Import - ACD retrieves transactions, receipts, and bank statements from Qonto via API, then generates accounting entries automatically.
* Users can open Qonto's invoicing tool via secure redirection—desktop or mobile. Invoices automatically flow back into ACD for a continuous, reconciled record. No manual entry. No sync delays.
**The real impact?**
* Frictionless onboarding
* Streamlined payments where work already happens
* Automated reconciliation with clean audit trails
* A single, unified source of financial truth