One of the most straightforward and implemented use case of our Business API is adding Payment capabilities within a partner’s app.If you already help your customers manage their invoices, automating your payments can help with 2 use cases:💸 optimize providers bills payment thanks to bulk payouts (up to 400 bills) in 1 click✨ reduce payment delays and increase recoveries success rate by sharing a payment link with clients bills—
Let’s focus on 💸 Optimize providers bills paymentIf you already show your customers the invoices they’ll need to pay within your interface, the one thing missing is a “Pay” button which will allow to pay up to 400 bills in just 1 click from their Qonto accountThe magic behind hitting that “Pay” button involves:
Retrieving the transfers beneficiaries’ data
Setting up SCA
Creating the transfers
Below the key steps to consider for a smooth implementation:
Execute the transfer, either to a trusted beneficiary or with new beneficiary data.
Case 1: Create a unit external transfer for a trusted beneficiaryCreates a single instant external transfer for a given trusted beneficiary, without any user interaction required.Endpoint:
Verify that the beneficiary_id is correct and corresponds to the intended recipient.
Ensure that the amount and currency fields are correctly formatted and within transaction limits.
SCA is not necessary here.
Case 2: Create external transfers with beneficiary dataCreate up to 400 transfers with beneficiary data. This action requires human validation before processing.If the person that initiates the transfers is neither owner nor administrator of the account, they can prepare the transfers and then send a request so that the owner or administrator can validate via SCA - please look into the roles that can be set in Qonto → https://support-fr.qonto.com/hc/en-us/articles/23947722927249-What-are-the-different-roles-availableEndpoint:
Double-check all beneficiary details to prevent errors in the transaction.
Confirm the transaction details with the user before submission to ensure accuracy and prevent unauthorized transfers.
General Functional Considerations:
Log all transaction attempts with timestamps and status for audit and troubleshooting purposes.
Solo basic plans are not allowed to do bulk transfers. If a bulk transfer is attempted, it will fail and an error will be returned.
For the rest of the plans, you can create up to 400 instant external transfers with beneficiaries data.
Be reminded that the number of monthly transfers included in the customer’s Qonto plan is listed here.
This endpoint requires user interaction for approval of the external transfers. If you want to fully automate external transfers, check our /v2/external_transfers endpoint.