Qonto, the leading European business finance solution for SMEs and freelancers, and Mollie, one of Europe’s fastest-growing financial service providers, today announced a two-way strategic partnership to enhance integrated financial services for businesses across Europe.

The first part of the collaboration sees Qonto integrate Mollie’s payment infrastructure through ‘Mollie Connect’, enabling Qonto customers to accept online payments and receive funds faster via ‘Payment Links.’ Now available in France, Germany, and the Netherlands, ‘Payment Links’ is a feature that allows businesses to generate secure payment links for invoices or direct sharing, track payment status, and receive funds directly into their Qonto accounts. The integration eliminates the need for multiple payment service providers (PSPs) and supports faster payments and centralised financial management.

Key benefits of Payment Links include:

• Seamless integration with Qonto's invoicing system

• Automated payment reconciliation

• Real-time payment tracking

• Transparent and competitive fees with no hidden costs or monthly fees

• Multiple payment method support

• Direct deposit into Qonto business accounts

The second part involves Mollie introducing integrated banking services within its platform using Qonto Embed, Qonto’s white-label banking solution. This integration allows Mollie customers in France  – and soon in Germany – to open business accounts with simplified onboarding, faster payouts, and real-time financial insights.

Mollie business accounts, powered by Qonto Embed, include:

• 365-day payouts and settlement of terminal transactions within 24 hours

• Real-time financial visibility

• Full business banking services, including cards, transfers, and local IBANs

• Physical and virtual cards with spending controls

• Google Pay, Apple Pay, SEPA, and direct debit support

• Up to four sub-accounts for better fund management

• Competitive pricing starting from €9 per month

According to the European Commission’s 2024 Annual Report, 47% of businesses face challenges related to late payments*, often due to fragmented payment infrastructure. This partnership addresses those challenges by unifying payment processing and business banking into a single, integrated solution designed for European SMEs and freelancers.

"This partnership with Mollie marks a milestone in our mission to simplify finance management for European businesses," says Alexandre Prot, CEO and Co-Founder at Qonto. "By combining our expertise in business banking and finance management with Mollie's advanced payment capabilities, we're addressing the unique needs of European businesses, from accepting card payments to managing their finances seamlessly in one single place. Our collaboration is more than just a strategic partnership. Together, we're uniting our strengths to build fintech champions that can compete on a global level."

“This partnership is a game-changer for SMEs seeking fast, seamless, and fully integrated financial services. By combining banking and payments in a single platform, we empower businesses to streamline financial management, boost efficiency, and free up capacity for strategic growth” says Koen Köppen, CEO at Mollie.