Accelerate your payment collection process with our new Payment Links feature, powered by our partner Mollie, a leading European payment service provider. This solution enables you to create secure, professional payment links for your client invoices, offering your clients multiple payment methods while automatically reconciling incoming payments.
The Payment Links feature simplifies how you get paid, helping you maintain healthy cash flow and spend less time on payment administration.
👆Important: This feature is in BETA test phase right now and not available yet for all customers.
How to set up payment links for receivable invoices?
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Navigate to your client invoices section in your Qonto App.
- Create your invoice depending on your business needs and click on "next".
- Select "Activate payment links In the following "Payment Details" screen.
- Follow the setup path and provide additional business information, such as your commercial website and business phone support contact.
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Accept the contract to automatically create your account and start using payment links.
Done! 🎉
👆Please note: Activation may take additional time due to Mollie's manual review but you can already create invoice drafts during the review period. There might be additional information requested from Mollie via E-Mail to validate the account. You receive an email confirmation from us once your account is validated and payment links are ready to use.
Who can access this feature?
This feature is accessible in all plans via mobile and web apps for the roles Owner and Admin.
👆Please note: Payment links for invoices are currently only available for French and German organisations.
Which payment methods are available?
Currently, Qonto supports Apple Pay and Credit/Debit Cards through payment links. The available credit card options include corporate and consumer Visa, Mastercard, American Express and cards part of the Carte Bancaire network in France. If invoices are issued in foreign currencies, Mollie manages the currency conversion and credits your Qonto account in EUR.
What are the costs and how does payment processing work?
Creating and sending payment links is completely free.
You will only incur processing fees when your client makes a payment, with the exact fee varying depending on the payment method used. When a payment link is paid, the system automatically marks the invoice as paid. The received payout is linked to the invoice, providing transaction justification for pre-accounting purposes.
| Variable per Transaction | Fixed (in EUR) | |
|---|---|---|
| Carte Bancaire consumer | 1.4% | 0.25 |
| Carte Bancaire commercial | 1.9% | 0.25 |
| Domestic consumer | 1.5% | 0.25 |
| Domestic commercial | 2.2% | 0.25 |
| EU consumer | 1.5% | 0.25 |
| EU commercial | 2.2% | 0.25 |
| Paypal | 0.1% | 0.1 |
How do I manage and track my payment links?
You can view all payment links and their associated invoices under Business Account → Payment links. Payment links currently support single payments only, meaning once a payment is processed, the link can't be used again. Payment links can have four different statuses:
- Active (connected to an unpaid invoice and available for payment)
- Completed (connected to a paid invoice and has processed one payment)
- Expired (links automatically expire 6 months after creation)
- Canceled (connected to a canceled invoice and no longer accepts payments). If you cancel an invoice (with or without a credit note), the associated payment link will automatically expire and become inactive for future payment
How does the payment settlement process work?
When you receive payments through payment links, there is a brief processing period before funds appear in your account. This is due to our partner, Mollie, applying a settlement delay for credit and debit card transactions, which usually takes about 4 business days. Once we've completed a quick review and approval of your account, you'll start receiving payouts to your chosen Qonto account every business day.
Plus, you have the convenience of adjusting your payout schedule to fit your needs directly from your Mollie dashboard.
What should I know about payouts and fees?
There are several important aspects about the payout process:
- Payouts do not occur on bank holidays, but will process on the next business day
- The payout reference counterparty will be indicated as "Mollie" or "Stg Mollie payments"
- You will receive a monthly statement via E-Mail linked to your Mollie account detailing all fees associated with your Mollie-processed payments
How are my payouts protected?
We keep your payments save and secure. To maintain security and prevent fraud, Mollie implements various risk assessment measures that might affect the timing and frequency of your payouts. If these security measures impact your account, you will receive prompt notification along with guidance on any necessary next steps.