Qonto is a European business bank and an approved platform (Plateforme Agréée) for France's mandatory e-invoicing network. Connecting it lets Financica work with that network on your behalf: pulling in the supplier invoices Qonto receives for you, and sending your own invoices out through it.
This integration is not available yet. Financica has no live Qonto application, so the Qonto card does not appear in the app: the integration runs in our development and demo environments only, and there is no per-account switch we can flip for you. This article describes how it works, so you know what to expect when it does go live.
This integration is about invoices, not banking. If you bank with Qonto, your account statements come in through the bank connection instead, under Data Sources > Bank accounts (Connecting bank accounts). Connecting Qonto here never imports bank transactions, and connecting your Qonto bank account there never imports invoices. You can do both, and they stay separate.
What connecting Qonto gives you
- Inbound supplier invoices — Invoices your suppliers send you over the French network are imported as expenses, with the original document attached.
- Outbound e-invoicing — Invoices and credit notes you issue can be sent to your French customers over the network, as compliant Factur-X.
- Delivery tracking — Qonto reports what happened to each document it sent (submitted, approved, declined), and Financica keeps that status up to date.
How to connect
- Go to Data Sources > Other sources.
- Find Qonto under "Connect a data source" and click through it.
- You are redirected to Qonto to authorize the connection. The access requested covers your organization details (at Qonto that record includes your bank accounts, so the permission reaches them too), your e-invoicing settings, your clients, your supplier invoices and their attachments, the ability to create and send client invoices and to write supplier invoices back, and a webhook subscription so Qonto can push delivery updates. Financica reads no bank transactions through it: there is no Qonto endpoint for them in this integration.
- After authorizing, you land on the Qonto integration page. The integration is active straight away, with nothing to configure.
The Qonto card appears only where the integration is switched on, which today is our development and demo environments, and it disappears once Qonto is connected.
What syncs, and how often
Financica sweeps Qonto once an hour. Each pass pulls in new supplier invoices, refreshes the delivery status of anything you have sent, and makes sure the connection is still subscribed to Qonto's live updates.
Delivery statuses do not wait for the hourly pass: Qonto pushes an update as soon as something happens to a document, and Financica refreshes it immediately. The hourly sweep is the safety net behind that.
There is no manual sync for Qonto. The Sync now button in the page header is shown on every integration, but Qonto is not one it can run: it queues a job, tells you the sync is queued, and the job then fails in the background without importing anything. Nothing is harmed by pressing it, and the hourly sweep still runs as normal. We are fixing the button.
Supplier invoices
Financica imports only the invoices Qonto received for you over the e-invoicing network. Documents you uploaded or forwarded into Qonto yourself are left alone, since they usually reach Financica by another route already.
- They become expenses. Each one is recorded as an inbound invoice with the supplier's name and VAT number, the invoice number, issue and due dates, currency, and the amounts. Received credit notes are recorded as credit notes.
- One summary line. Qonto reports totals rather than a line breakdown, so the invoice carries a single line with the net amount and, where there is one rate, the VAT rate.
- The document is stored in Financica. Qonto's download links expire after about half an hour, so the file is fetched at sync time and kept in your own document storage rather than linked. If the download fails, the invoice is still imported and the file is retried on later passes.
- Nothing is imported twice. Invoices already in your books are recognized and skipped, and an identical file already stored is reused instead of being uploaded again.
Sending invoices over the French network
On an invoice, open Send and tick Send via e-invoicing (Qonto). The option appears when Qonto is connected and the invoice has a customer on it.
Before you send, Financica checks whether that customer is reachable on the network, creating or updating the matching client record in Qonto as it goes. Then, on send, it builds a compliant Factur-X file (using the invoice's own PDF as the visual layer where one exists), uploads it to Qonto and submits it.
A few things worth knowing:
- An unreachable recipient still gets an invoice. If the customer is not on the network yet, the document is prepared in Qonto but not transmitted, and Financica tells you so. Tick Send by email as well in that case.
- Sending is asynchronous. A successful send means Qonto accepted the document, not that the customer has it. The status that follows comes from the network.
- You cannot send the same invoice twice. Once a document has been submitted, the option is disabled and the dialog shows its current status.
- Credit notes work differently. Qonto submits a credit note the moment it is created, so there is no separate send step. It must reference the invoice it corrects by that invoice's number, and Qonto only accepts credit notes against invoices it already holds, so the original must have gone out through Qonto first.
Who this is for
The e-invoicing side is for French organizations. France does not use Peppol: its invoices are exchanged and reported through approved platforms, and Qonto is how Financica connects to that model.
If your organization is not French, this integration does nothing for your e-invoicing. Your invoices travel over Peppol instead, which needs no Qonto connection. See Electronic invoicing.
Two more limits to be aware of:
- Qonto has to have enrolled your account. E-invoicing is something Qonto turns on per account. Until it does, the integration page says so, and there is nothing for you to set up.
- E-reporting is not covered. France's second obligation, reporting transaction and payment data that does not travel as a domestic B2B e-invoice, is not part of this integration.
The integration page
Open the Qonto integration from Data Sources > Other sources. The page reads your e-invoicing readiness live from Qonto and shows two rows:
- Sending — Whether you can issue invoices to French customers over the network.
- Receiving — Whether your French suppliers' invoices reach you through it.
Each is Active, Not active, or in transition. These are Qonto's own statuses, not settings you change here. If Qonto has not enabled e-invoicing on your account at all, the page says so plainly and there is nothing to do.
Financica staff see an extra Technical details section showing whether the connection is receiving Qonto's live updates. It is a diagnostic, not a setting: the hourly sweep repairs it on its own.
Disconnecting
Use Delete integration in the header of the Qonto integration page. Financica also cancels the live-update subscription on Qonto's side, so nothing keeps calling a connection that no longer exists.
Everything already imported stays: your supplier invoices, their attached documents, and the record of what was sent.