What are the transaction fees for card payments received via Tap to Pay and our payment terminals?

The fees are 0.8% for EU cards. For non-EU and corporate cards, a flat rate of 2.6% applies across all plans, with no hidden costs.

How quickly will I receive my funds?

All payments are transferred directly to your Qonto account the next business day, giving you faster access to your money compared to the 1-3 day settlement periods of many providers.

Do I need to reconcile transactions manually?

No. All payments are automatically recorded and categorized in your Qonto dashboard, eliminating the need for end-of-day reconciliation or manual data entry.

How do payment links work and what are the fees?

Our payment links, provided in partnership with Mollie, offer you two ways to receive online payments: integrated directly into your invoices or as standalone payment requests. Simply activate the feature in your Qonto app to set up your secure Mollie account in seconds. Offer your customers various payment methods (cards, Apple Pay, PayPal...)—with competitive fees starting at just 0.1% + €0.10 per transaction. All incoming payments are automatically reconciled.Our user data confirms it: With Qonto payment links, you receive your payments up to 5 times faster.The first €1,000 you receive via payment links is free. After that, you pay only 1.4% + €0.25.

4.8 out of 5

Accept payments anywhere, anytime

With Qonto, you can handle transactions quickly and reliably online, in-store, or on the go. All at affordable rates and automatically synced with your account.

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Get paid effortlessly

Flexible

Accept payments online, in-store, and on the go

Automatic reconciliation

All transactions are synced with your Qonto account

Secure payments

Compliant with the latest standards and regulations

Tailored solutions

Payment links

Create payment links in seconds — send separately or with invoices.

Tap to Pay on iPhone

Accept contactless payments with Tap to Pay on iPhone.

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Payment terminals

Accept card payments with our terminals.

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Tap to Pay on Android

Accept payments with your smartphone – now 0% per transaction. Payout by the next business day.

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Pay less, earn more

0.8% minimum fee/transaction

Accept payments instantly with Tap to Pay and compatible POS terminals.

Get paid 5 times faster

Boost cash flow with payment links & reduce reminders. First €1,000 free of charge.

Calculate your savings

In the right place for your business

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In-store

Accept payments anywhere with our POS terminals – Pocket €99, Pro with receipt printing €199 (excl. VAT).

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On the go

Accept contactless payments via iPhone/Android – no extra device needed. Just 0.8% fee. Payout next business day.

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Online

Create in seconds, integrate into invoices, and get paid up to 5× faster: First €1,000 free, then from 1.4% + €0.25 each.

Want to see more?

Discover how to speed up your incoming payments. Benjamin from Qonto introduces all the payment solutions seamlessly integrated into your Qonto account.