About Qonto Embed
Embedded banking platform from European business-banking leader Qonto, letting SaaS, ERP, accounting and vertical platforms add white-label business accounts, co-branded cards (Card-as-a-Service) and payment flows on top of Qonto's regulated infrastructure. The API suite covers fast-track onboarding for existing companies, multi-organization account hierarchies with sub-accounts and dedicated IBANs, SEPA / bulk / international transfers in 30+ currencies, virtual & physical cards with Apple Pay and Google Pay, expense management and approval workflows, e-invoicing and supplier-invoice processing, transaction matching and monthly statements. Authentication is OAuth2.0 with real-time webhooks, API key management and separate sandbox / production environments, plus a Qonto-branded developer portal with OpenAPI specs. Operates a profit-sharing model (no setup or monthly fees; partners earn a % of Qonto's MRR per new account & card) and is available across Qonto's eight European markets — France, Germany, Italy, Spain, Portugal, the Netherlands, Belgium and Austria. Qonto SA is a licensed payment institution authorized by the French ACPR (n° 16958).
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