Embed banking, unlock revenue

Build, launch & scale your platform with our embedded financial services. You focus on growth - we handle the rest.

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See API documentation
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Supercharge your platform with embedded services

Transform your platform into a financial powerhouse. Seamlessly integrate our APIs to unlock new revenue streams while delivering exactly what your customers need.

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Launch at speed
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Launch at speed

Go live in weeks with production-ready APIs. Get instant access to accounts, payments & cards, with dedicated implementation support.

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Profit-only model
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Profit-only model

Skip the fees & start earning immediately. Pay nothing & generate revenue on every account, transaction & financial service your customers use.

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Zero operational effort
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Zero operational effort

We handle the complexity, so you don't have to. Clear documentation & client support for smooth integration. Banking compliance built-in.

Tailored solutions to power your platform

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Accounting

Make accounting make sense: offer your customers peace of mind with integrated payments.

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Legaltech

Be with your customer every step of the way in their company creation adventure. And make sure they get the most intuitive payment options.

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Adapted to multiple industries

Offer more value with our flexible API suite integrated into your platform. Choose the payment & financial building blocks your customers need.

Our core API platform

Payments

  1. Trusted beneficiary management
  2. Transfers: SEPA, bulk, domestic & international (30+ currencies)
  3. Physical & virtual cards with Apple Pay & Google Pay
  4. Spend management suite (expense reports, approval workflows...)
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Account management

  1. Fast-track account opening for existing companies
  2. Multi-organization account hierarchy
  3. Team management & permissions
  4. Sub-accounts with dedicated IBANs
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Security

  1. OAuth2.0 authentication
  2. Real-time webhook notifications
  3. Development & production environments
  4. API key management
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Financial tools

  1. Client invoice creation & management
  2. Supplier invoice processing
  3. Transaction matching
  4. Monthly statements
  5. Custom labeling system
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Developers

  1. OpenAPI documentation
  2. Sandbox testing environment
  3. Webhook configuration
  4. Integration support
  5. Developer portal
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Your path to success

Plug

Get instant access to our sandbox environment and test everything you need. Whether you're streamlining onboarding or revolutionizing payments.

Launch

Turn your vision into reality with enterprise-grade APIs. Our team guides your integration and supports you with your first customers.

Scale

Ready to expand? We deal with compliance, security and operational excellence. So you can focus on crafting the perfect user experience to drive revenue.

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See API documentation

From first steps to first customers

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We’ve got you covered

Best-in-class support at every stage. Implementation is smooth with a dedicated integration expert, developer Slack channel & developer portal.

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4.8

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Loved & trusted by SMEs on G2.com
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We’ve got you covered

Focus on growing your platform - we’ll take care of the rest. We have: 500,00+ customers, 70+ NPS, 4.6/5 customer satisfaction rating. We answer our customers in five languages in three minutes on average.

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7-day-a-week customer service, via chat, phone & email.

Frequently asked questions

What is embedded banking and how does it work with Qonto's API?

Embedded banking allows you to integrate financial services directly into your platform through APIs. Qonto provides RESTful APIs for account creation, payments, cards, and transaction management, with OAuth2.0 authentication and webhooks for real-time updates.

How long does it take to integrate Qonto's financial services?

With our developer-friendly documentation and sandbox environment, most platforms can complete basic integration within two to four weeks. We provide step-by-step guides, sample code, and dedicated technical support throughout the process.

Is Qonto's API available across all European markets?

Yes, Qonto's API services are available in our eight European markets: France, Germany, Italy, Spain, Portugal, the Netherlands, Belgium, and Austria.

What security standards does Qonto's API follow?

Qonto maintains bank-grade security with PSD2 compliance, strong customer authentication (SCA), and GDPR compliance. All API communications are encrypted and we provide robust authentication mechanisms.

How does revenue sharing work with Qonto's embedded services?

Qonto Embed Partners generate revenue through accounts, cards, and financial tools usage, so the value of each customer increases as they activate features and carry out transactions.

Ready to drive your business growth?

Start building the best banking & financial experience today with Qonto Embed. Impress your customers & start driving revenue in a matter of weeks.

Get started with Qonto Embed
See API documentation