> ## Documentation Index
> Fetch the complete documentation index at: https://docs.paywise.de/llms.txt
> Use this file to discover all available pages before exploring further.

# Qonto

> Send open client invoices from Qonto to paywise and optionally monitor them with the Mahnservice

# paywise for Qonto

<div style={{width: '64px', height: '64px', background: '#ffffff', borderRadius: '10px', display: 'flex', alignItems: 'center', justifyContent: 'center', padding: '10px', boxSizing: 'border-box'}}>
  <img src="https://mintcdn.com/paywisegmbh/2IUUyOhTIHpvSx0x/images/integrations/qonto-icon.png?fit=max&auto=format&n=2IUUyOhTIHpvSx0x&q=85&s=8df14c555d7b34c2e590fee3fcba1e20" alt="Qonto" style={{width: '100%', height: '100%', objectFit: 'contain', display: 'block'}} noZoom width="192" height="192" data-path="images/integrations/qonto-icon.png" />
</div>

The Qonto integration lets you bring unpaid client invoices straight from Qonto
into paywise. Invoice number, due date, open amount, customer data and an invoice
PDF available in Qonto are carried over without retyping them. Recorded partial
payments reduce the open amount.

<Note>
  paywise reads from Qonto and never writes back. No invoice in Qonto is changed,
  cancelled or marked as paid. This integration is provided by paywise; it is not a
  product provided or supported by Qonto.
</Note>

<Info>
  The product interface is German. German button labels are quoted below so reviewers
  can follow the live flow.
</Info>

## Before you start

* A Qonto account with access to the organisation you want to connect and
  permission to authorise applications for it.
* An existing paywise account. You must be an administrator of the selected
  paywise company to connect or disconnect Qonto.
* An open client invoice in Qonto if you want to test the collection handover
  immediately.
* No active DATEV import or other classic bookkeeping integration for the same
  paywise company. When switching, paywise may ask you to replace the previous
  source.

### What paywise asks for

Qonto shows these permissions during authorisation:

| Permission             | Why paywise needs it                                                       |
| ---------------------- | -------------------------------------------------------------------------- |
| `client_invoices.read` | Read client invoices, amounts, status and due dates                        |
| `client.read`          | Carry the related customer data into the debtor record                     |
| `attachment.read`      | Retrieve an available invoice PDF                                          |
| `offline_access`       | Keep the connection active without asking you to sign in for every request |

That is the complete list. paywise requests **no write permission**.

## 1. Connect Qonto to paywise

<Steps>
  <Step title="Open the connection page">
    Go to
    [app.paywise.de/connect/qonto/](https://app.paywise.de/connect/qonto/) and
    select the paywise company you want to connect.
  </Step>

  <Step title="Accept the terms of use">
    Select **Ich akzeptiere die Nutzungsbedingungen der Qonto-Anbindung** (I
    accept the terms of use for the Qonto integration). The link in that text
    opens the terms for review.
  </Step>

  <Step title="Start authorisation">
    Choose **Mit Qonto verbinden** (Connect Qonto). paywise sends you to Qonto.
    Sign in there with your Qonto credentials and grant the read permissions
    listed above.

    You never enter Qonto credentials into paywise. Sign-in and consent happen
    entirely at Qonto.
  </Step>

  <Step title="Return to paywise">
    After consent, Qonto redirects you back. The page shows **Verbunden**
    (Connected) and confirms that the Qonto connection was established. Choose
    **Jetzt starten** (Start now) to open the invoice picker immediately.
  </Step>
</Steps>

## 2. Submit invoices for collection

<Steps>
  <Step title="Open the invoice picker">
    On the Qonto page in paywise, choose **Jetzt starten**. This opens the debt
    collection submission wizard.
  </Step>

  <Step title="Pick the invoices">
    paywise lists eligible Qonto client invoices with the invoice number,
    customer, invoice date, due date, total and **open amount**.

    Search by invoice number or customer, filter by date and status, and select
    the invoices you want to submit.
  </Step>

  <Step title="Check the debtor and document">
    paywise carries over the name, address, email address, phone number and — for
    companies — VAT number where those details exist in Qonto. An available
    invoice PDF is attached automatically.

    Review the draft and complete any missing required details or documents before
    submission.
  </Step>

  <Step title="Record your payment reminder">
    Qonto reminders are not imported into the collection handover. In the wizard,
    record whether and when you already asked the debtor to pay and which deadline
    you set.
  </Step>

  <Step title="Send the order">
    Answer the legal questions, accept the terms and choose **Auftrag absenden**
    (Submit order).
  </Step>
</Steps>

From here the case is a paywise matter. You can follow its progress in your
paywise dashboard; paywise changes nothing in Qonto.

### Which invoices appear

A Qonto invoice can be selected when it:

* has status `unpaid`,
* has an open amount greater than zero, and
* is not linked to a credit note.

Payments recorded in Qonto are taken into account. After a partial payment,
paywise shows only the remaining open amount. Paid invoices, drafts, cancelled
invoices and invoices linked to a credit note do not appear. An invoice already
handed to paywise is marked *Eingereicht* (Submitted) and cannot be submitted
twice.

## Use Qonto with the Mahnservice

Qonto can also feed the
[paywise Mahnservice](https://app.paywise.de/mahnservice/), the pre-collection
dunning service. paywise then monitors overdue open invoices and also accounts for
partial or full payments recorded later in Qonto.

Before activation, you must confirm that **automatic reminders in Qonto are
disabled**. This prevents Qonto and paywise from reminding the customer for the
same invoice in parallel. The confirmation applies only to the currently connected
Qonto organisation and can be changed or withdrawn by the person who established
the Qonto connection. A reconnection or organisation change requires a fresh
confirmation.

For automatic import, paywise only considers invoices that also:

* have a due date in the past, and
* can be matched unambiguously to the connected Qonto organisation.

Before every reminder, paywise checks the current invoice status again. If the
invoice has since been paid, or the status can no longer be determined safely, no
reminder is sent. Credit notes, cancellations and other ambiguous changes are
paused for manual review.

## 3. Disconnect

On the Qonto page in paywise, choose **Verbindung trennen** (Disconnect) and
confirm the dialog.

paywise deletes the locally stored OAuth tokens and stops reading Qonto data.
Qonto currently does not allow paywise to revoke the grant automatically during
disconnect. Consent may therefore remain in Qonto. If required, remove it
separately in the integrations or settings area of your Qonto account.

Collection orders you already submitted remain in place. If Qonto supplies the
Mahnservice, running Qonto dunning processes are paused because paywise can no
longer verify the current invoice status.

To reconnect, accept the terms again and repeat the Qonto authorisation.

## Troubleshooting

<AccordionGroup>
  <Accordion title="Qonto authorisation could not be completed">
    Start again at
    [app.paywise.de/connect/qonto/](https://app.paywise.de/connect/qonto/). Use the
    same browser window throughout and sign in to Qonto with an account that may
    authorise applications for the intended organisation.
  </Accordion>

  <Accordion title="The invoice list is empty or an invoice is missing">
    paywise only shows unpaid client invoices with an open amount greater than
    zero. Paid invoices, drafts, cancellations and invoices linked to a credit
    note are excluded. Check the status and open amount directly in Qonto.
  </Accordion>

  <Accordion title="The invoice PDF is missing">
    paywise attaches the PDF only when Qonto supplies an attachment for the
    invoice. Add the required invoice document to the paywise draft before
    submitting the order.
  </Accordion>

  <Accordion title="The connection is interrupted or invalid">
    Choose **Erneut mit Qonto verbinden** (Reconnect Qonto) and authorise paywise
    again at Qonto. Previous collection orders are not affected.
  </Accordion>

  <Accordion title="The Mahnservice cannot be activated">
    Check that the Qonto connection is active, that you are the original connection
    owner, and that you confirmed automatic reminders are disabled in Qonto.
  </Accordion>
</AccordionGroup>

## Questions

Write to [info@paywise.de](mailto:info@paywise.de).