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Qonto provides 2 collections of REST APIs and a Sandbox environment to help you build integrations on top of Qonto accounts, transactions, memberships, etc; no matter what your use case is. JSON is returned in all API responses, including errors. For security purposes:
  • All API requests must be made over HTTPS. Calls made over plain HTTP will fail.
  • All API requests (except the ones to /v2/oauth2/auth) must be made from your backend. Direct calls from browsers will fail.

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Qonto APIs

Business API

Access Qonto banking, invoicing, bookkeeping & more remotely

Onboarding API

Fast track your customers’ onboarding to Qonto

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Use cases

Qonto account owners automating their own workflows (accounting sync, internal reporting, reconciliation) using the Business API.Access with:
  • OAuth 2.0 if you need to perform sensitive actions (cf. the endpoints access table to identify if you need to use an endpoint which is only accessible through OAuth) OR if you want to restrict the scopes accessible with your authentication credentials to a specific list of scopes;
  • Your API key otherwise.
The API key authentication method is much more simple to implement than OAuth 2.0.
This use case requires no validation from Qonto, for either authentication method. You can start building right away.
Third-party platforms connecting to Qonto on behalf of their users (ERPs, accounting software, financial tools).Access with: OAuth 2.0.
This use case requires validation from Qonto if you are requesting sensitive scopes.
Partners embedding Qonto natively into their product.
  • To create Qonto business accounts (and eventually companies) for your customers, use the Onboarding API;
  • To operate those accounts directly from your platform, use the Business API (with OAuth 2.0).
Requires signing a partnership contract with Qonto before going live.
Platforms using the Onboarding API to create Qonto accounts and companies (digital KYB, KYC and capital deposit) programmatically.
Requires signing an ORIAS mandate (France only) and a partnership contract with Qonto before going live.