Qonto, the leading European business finance solution for SMEs and freelancers, today announces the launch of its first complete payment acceptance solution seamlessly integrated into the Qonto app, enabling businesses to collect payments anywhere and keep all transaction data synchronised in one account. This strategic expansion marks Qonto's evolution from a business finance leader to a complete financial management one-stop-shop, addressing one of the most pressing needs faced by European SMEs today. 

European SMEs lose precious time managing multiple payment solutions, with many juggling several providers simultaneously. Qonto's new payment acceptance solution eliminates this fragmentation by unifying Point of Sale (POS) terminals (physical electronic devices that enable businesses to accept card payments from customers), Tap to Pay, and Payment Links in one powerful platform fully integrated with Qonto's business finance solution. 

"For entrepreneurs and small businesses, getting paid shouldn't be complicated," says Albertine Lecointe, VP Product at Qonto. "Yet today, many are juggling multiple payment solutions - one provider for in-person payments, another for online transactions, and cash handling for day-to-day operations. This fragmentation costs them time, money, and efficiency. With our new payment acceptance solutions, businesses can accept payments anytime, anywhere, in any way, without needing to switch tools or deal with multiple providers. This is more than just payments; it's about giving our users a financial HQ where they can accept payments, manage cash flow, and track revenue from one powerful platform." 

New milestone: Qonto's first physical acceptance device 

The introduction of POS terminals represents an important milestone in Qonto's journey. "This launch isn't just about expanding our payment solutions - it's a strategic milestone for Qonto," explains Lecointe. "For the first time, we're launching a physical device, marking our entry into 

in-person payments in a whole new way. This strategic move demonstrates our commitment to meeting our customers where they do business, whether that's online, in-store, or on the move."

The new payment acceptance suite includes three key components, all managed from a single Qonto account, to meet every business payment acceptance need: 

● POS Terminals: The introduction of Qonto-branded terminals marks the company's first venture into physical payment acceptance devices, enabling secure card transaction processing across multiple business environments. This strategic expansion into hardware solutions demonstrates Qonto's commitment to serving businesses across both digital and physical channels 

● Tap to Pay: A smartphone-based payment acceptance solution that leverages existing mobile technology to process transactions without requiring additional hardware investment 

● Payment Links: A digital payment acceptance solution enabling businesses to receive funds through secure transaction links, eliminating the need for e-commerce infrastructure 

This versatile suite allows businesses to accept payments anywhere - in fixed locations, on the go, or online - while maintaining a consistent brand experience and keeping all transaction data synchronised in one place. 

Strategic partnerships for optimised customer experience 

To deliver this comprehensive solution, Qonto has partnered with industry leaders Adyen for POS Terminals and Tap to Pay, and Mollie for Payment Links, combining expertise to offer European businesses best-in-class payment acceptance solutions with transparent pricing. These strategic collaborations enable Qonto to leverage specialised payment technologies while maintaining a seamless integration with its core financial platform. 

Seamless financial integration 

The payment acceptance suite is fully integrated with Qonto's business finance solution, providing rapid access to funds, real-time financial insights, and complete visibility - all managed from a single financial HQ. This integration enables businesses to: 

● Simplify operations by eliminating the need for multiple payment providers

● Access funds faster with direct deposits into Qonto accounts 

● Gain real-time insights into payment status and cash flow 

● Reduce administrative burden with automated payment reconciliation

● Save time and money with transparent, competitive pricing