How Qonto scaled accounting & invoicing integrations in Europe with Chift

Qonto, the French-born fintech serving over 600,000 SMEs and freelancers across Europe, uses Chift to move financial data in both directions. Qonto pulls customer and supplier invoices from its users' accounting and invoicing tools, and pushes banking transactions from Qonto accounts into its users' accounting software. The result is a financial cockpit where invoices, payments, and bank data all arrive reconciled and ready for accounting, with minimal setup and no maintenance on Qonto's side.

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Qonto’s mission is to simplify financial management for entrepreneurs, small businesses, and startups. Its product brings together banking, payment cards, invoicing, and expense management into a single digital cockpit. To make that cockpit genuinely useful, Qonto needed data flowing both ways: accounts receivable (AR) and accounts payable (AP) data coming in from the tools its customers already use, and banking transactions going out into those same customers' accounting software.

“Our vision is a financial cockpit. Not just banking and transactions, but everything around it. Invoices, receipts, payments, all reconciled and ready for accounting.” Fanny Laverty, Lead Product Manager, Qonto

The challenge wasn’t just technical. Qonto had to manage:

• Wide tool diversity across markets (France, Belgium, the Netherlands, …)
• Varying customer use cases, from freelancers to SMEs
• Limited internal bandwidth to build and maintain dozens of connectors
• The need to uphold Qonto’s signature UX quality and reliability

“We always ask: should we build this, or partner? That depends on cost, team bandwidth, ease of integration. And most importantly, user demand.” Fanny Laverty, Lead Product Manager, Qonto

Qonto chose Chift for its comprehensive and maintenance-free integration layer. Through a single integration, Qonto delivers two complementary data experiences to its users.

Invoices in: automatic AR and AP collection

With Chift's Invoicing Sync and Expenses Sync, Qonto automatically pulls sales (AR) and purchase (AP) invoices, including PDFs and metadata, directly from users' accounting and invoicing software such as Sellsy, Zoho, HubSpot, Odoo, and Microsoft Dynamics 365. This data populates Qonto's platform with client and supplier invoice records that fuel reconciliation, analytics, and spend insights.

"We collect customer and supplier invoices automatically thanks to integrations like Chift. That's what allows us to reconcile and prepare the accounting efficiently." Fanny Laverty, Lead Product Manager, Qonto

Banking data out: transactions booked straight into accounting

In the Netherlands and Belgium, Qonto uses Chift's Accounting API to push banking transactions into the accounting tool its users choose. Every transaction on a Qonto account, and on any external bank account a user has connected to Qonto, flows through as a clean, structured accounting entry. No CSV exports, no manual statement imports, no re-categorizing raw bank lines after the fact. The books stay in step with the bank, and reconciliation happens in the background.

Because the flow covers external accounts too, Qonto's NL and Belgian users get their full banking picture booked automatically, not just their Qonto activity.

Seamless setup via OAuth2

The setup experience stays clean whichever direction the data moves. In Qonto's integrations section, users click the connector they want and are redirected to Chift's onboarding flow, where they authenticate only the target tool. Qonto already identifies them through its OAuth2 system, so users never re-enter their Qonto credentials.

"Today, when we want to add a new connector, it's as simple as pasting a link. I add the connector to the Marketplace in 15 minutes and boom, it's live." Fanny Laverty, Lead Product Manager, Qonto

Each integration is deployed as a dedicated OAuth2 app, so Qonto can track usage and performance connector by connector. That setup also simplifies maintenance, monitoring, and analytics.

With Chift, Qonto offers deep, reliable connectivity in both directions while keeping its internal focus on its core product. The result is a win across users, product teams, and long-term platform scalability.

A complete, two-way cockpit

Invoices arrive from users' accounting and invoicing tools, and banking transactions flow back out into their accounting software. Qonto's users get a single place where financial data is collected, reconciled, and prepared for accounting, exactly the cockpit vision the team set out to build.

Seamless UX for users

No extra login is needed. Qonto credentials pass invisibly through the OAuth2 flow, so activating a connector feels like a native part of the Qonto experience.

Multi-market coverage

Qonto uses Chift across multiple European markets, with the banking-to-accounting flow live in the Netherlands and Belgium and invoice collection spanning tools like Sellsy, Zoho, HubSpot, Odoo, and Microsoft Dynamics 365. The connector library keeps growing to match country-specific software preferences.

Minimal setup and maintenance

No development work is needed to launch new integrations, and Qonto's teams keep full control without added complexity. The two-way connectivity supports automated accounting workflows, a fast-growing customer demand, and contributes to an impressive NPS score of 75.

"Once the relationship with Chift was set up, it's been very smooth. We sync on Slack, we meet every two weeks and everything just works." Fanny Laverty, Lead Product Manager, Qonto

A partnership built to scale

Qonto's story shows what happens when connectivity stops being a build-it-yourself burden and becomes a two-way data layer you can extend in minutes. Thinking about doing the same for your product? Book a demo with our team.