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What is KONFIPAY and how can I use it with my Qonto account?

  • Updated

KONFIPAY is a specific EBICS implementation that allows you to connect your Qonto account to your existing financial management tools and ERP systems. This connection enables seamless automation of your banking operations while maintaining the security and reliability that German businesses require.

By setting up an EBICS KONFIPAY connection, you can automate your payment workflows, reduce manual data entry, and maintain real-time synchronization between your Qonto account and your financial systems.

 

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The connection can only be set up by any Owner, Admin, or Accountant on Qonto. If the connection is set up to initiate payments in Qonto, then any Manager with transfer permissions in Qonto will also be able to validate the request.

 

Using what devices? The integration can only be set up on desktop.

What is EBICS and how does it work with my Qonto account?

EBICS (Electronic Banking Internet Communication Standard) is a secure, standardized protocol for electronic banking communication widely used in Germany and across Europe. It enables businesses to exchange financial data with their banks in a highly secure and efficient manner.

EBICS serves as a digital bridge between your company's financial systems and your bank, allowing you to:

  • Submit payment orders electronically without manual intervention
  • Retrieve account statements and transaction data automatically
  • Exchange financial documents in standardized formats (such as SEPA XML files)
  • Manage cash flow with real-time access to banking information
💡EBICS connection setup is available via the Accounts Payable add-on, which is accessible on all Team plans (Essential, Business, and Enterprise)

 

What are the steps to complete the EBICS setup?

  • Log into your account, and head to the Integrations and Partnerships section > click on EBICS
  • Search for Konfipay (via EBICS)
  • Click on Connect at the top right of the page, and Finish to begin the configuration process
  • Within 24h, you will receive a Configuration notice from Qonto, via email. This letter contains all the information you will need to configure your EBICS connection with Qonto in Konfipay
  • Using the information in the letter, log into Konfipay and configure your EBICS connection. Follow the steps listed, and generate three certificates: Authentification, Encryption, and Signature. If you don’t know how to generate these certificates, contact Konfipay support
  • Send these certificates back to Qonto by responding to the email you received with the Letter of Configuration, and attaching them.

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Note: We will not be able to proceed with the EBICS configuration for Konfipay without these certificates.

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  • Once received, we will validate the certificates sent, and email you a confirmation of validation. This email will contain the hashes of our bank certificates, in case you need that to finalize the setup in Konfipay.

👆 You will be able to access your account statements and/or initiate payments in Qonto from Konfipay within 24 hours of completing the final step.

What file formats are supported for my EBICS connection?

  • V3.0
    • Bank statements in MT940
      • service name: EOP
      • msg name: mt940
    • SEPA transfers
      • service name: SCT
      • msg name: pain.001
  • V2.4
    • Bank statements in MT940
      • file format: camt.fin.mt940.stm
    • SEPA transfers
      • file formats: pain.001.001.02.SCT or pain.001.001.03.sct

What information isn’t transmitted between Qonto and Konfipay?

The EBICS connection only transfers bank statements. It does not share the following data:

  • Labels on transactions
  • Documents needed for the Purchase Journal, such as receipts and invoices.

Learn more about how to export receipts here.

How can I disconnect Konfipay from Qonto, and what happens then?

Disconnecting Konfipay: There are a few way to disconnect the EBICS connection between your ERP and Qonto.

  • From Qonto’s Integrations and Partnerships section, search Konfipay and simply click on Disconnect.
  • Close the EBICS connection from Konfipay.

What happens after I have disconnected the Konfipay integration?

  • Your bank statements won't be created and sent to our EBICS server anymore. This implies they won't be automatically accessible via Konfipay. Additionally, you won't be able to initiate payments from Konfipay within Qonto.
  • If you wish to reconnect, you'll need to repeat the initial process.