ThomasCdnns/qonto-open-qa huggingface dataset:
Question: How do spending categories work for cards?

Answer: 💡 Admins, Owners and Managers from Essential, Business and Enterprise plans can set up spending categories on cards.    What are spending categories? Spending categories enable employees’ cards payments to be authorized for specific categories of expenses only.   Qonto proposes six spending categories, corresponding to your main business cases: Food & Grocery Restaurants & Bars Transportation Hotels & Lodging Gas stations Equipment & Tools When a card payment occurs, the Merchant Category Code (MCC) attributed to this transaction is automatically scanned to see if it matches the allowed category under Qonto’s classification. If it does, the transaction is authorized. If it doesn’t, the transaction is declined.   However, as MCC are not attributed by Qonto, some payments can be authorized or declined against user expectation. For example, if a merchant provides multi-services, like take-away and restaurant, its MCC could be linked to the restaurant service and may not be authorized for a card which only had “Food & Groceries” authorized. Spending categories is a tool to gain greater control, but the results may be impacted by merchant’s MCC code attribution.   To better manage expectations, the card transaction of an employee is declined, the employee will receive an instant notification which will advise to contact the Admin to change the restrictions of spending categories. If you encounter any problem, do not hesitate to contact us by chat !    How to create cards with spending categories? Spending categories apply to physical or virtual cards (not Instant cards). From the section  ‘Business Account’ , click on  'Cards'  then on ‘ Create a card’.   Select the account you’d like to charge and the person you’d like to attribute the card to. Set up the card’s parameters and click on the toggle  Specific spending categories  to display the drop-down of options. You can select multiple categories. Continue the set up and validate.   How to edit spending categories? ☝️ As an Owner, Admin or Manager, you can edit cards’ spending categories at any time, from your mobile or desktop app. To do so, in your Cards section, click on the card and click on the 🖋️ next to  Advanced settings.
Question: How to delete a card?

Answer: How to delete a physical card ?  Deleting a physical card is simple : you have to declare it as  “stolen/lost”  from your interface (even if you still have this card in your possession).   ☝️ Good to know :  Your card will definitely be deactivated, you will not be able to reactivate it afterward.   To delete your card : From the section  “Business Account” , click on  “Cards” . Select the relevant card and click on  “Report lost/stolen"  in the lower right corner. Then select the  “Report as lost”  or  “Report as stolen”  option. Confirm the action via Strong Customer Authentication on your paired device ( more info here ) Done, your card is deactivated !    How to delete a virtual card?  You can easily delete a virtual card (including Online advertising cards and Instant* cards) from your Qonto interface. This action must be performed by the Account Holder, Admin or Manager (for their team).   ☝️ Good to know :  Your card will definitely be deactivated, you will not be able to reactivate it afterward. From the section  “Business Account ”, click on  “Cards” Select the virtual card you want to delete In the bottom right corner, click on  “Delete Card” . Then select  “Delete” Done ! Your virtual card is deactivated. 💡  If the card is "Blocked", it must first be "Unblocked" before it can be deleted. Check  this article  to know how to proceed.      The Instant* card expires on the end date set initially. Available on Business (Advanced) and Enterprise plans only.
Question: How can I know my card number, CVV and expiry date?

Answer: For physical cards, you'll find all the information on the back: The card number (also PAN: primary account number) (PAN or simply called 'card number') is the 16-digit number The card's expiry date (month/year) The card verification value (CVV) is the three-digit number located on the back of your MasterCard, next to your signature. Holder name Company name Note: Do not take or share any pictures of the back of your cards. You can access this information from your Qonto account for your  virtual and physical cards : From the section  ‘Business Account’,  click on  'Cards' Select a card and click on " Reveal" Enter the security code you received by text. 💡If you have set up  Strong Customer Authentication  on your account, you will receive a confirmation request on your associated phone.
Question: How do I set the PIN code of my Qonto card?

Answer: The creation of the PIN code confirms the order of your Qonto card. Without your validation, we will not be able to send your card.   Note: For security reasons, the system does not accept the following combinations: 0000 (4 x zero) or 0243 (which begins with zero) or 1234 (too simple number sequences).   Are you Admin of your Qonto account or a Manager? If you order a card for yourself, you have to set the PIN code at the moment of the order.   Are you an Employee? If your card has been ordered by the admin of your account or your manager,  you’ll receive an email including a link and instructions  for you to choose your PIN code. You can also do it directly from your personal space. If you haven’t submitted your proof of identity yet before setting your PIN code you will be required to have an approved proof of identity.   For security reasons, the order will be confirmed only after you have set the PIN code and your proof of identity is validated.   Once received, you will have to  activate the card .   ☝️ Good to know: your PIN code will be visible at any time from your Qonto web or mobile app, after you’ve activated the card.  Click here for all the details .
Question: How do I activate my Qonto card?

Answer: I've just received my card, what do I do now? Once ordered, you can immediately access a digital version of your new card through your Qonto app, more infos  here .   Nevertheless, to finalize its activation, you have to activate its PIN code.   Why do I need to activate my PIN code? Once you receive your physical card, using your PIN code for the first time (physical payment or withdrawal) will allow to fully activate your card in a secured way : The contactless payments The monthly payment limits above 20,000€ for PLUS and X card 💡 By downloading the mobile Qonto app you’ll have access to your PIN code at any time, so you can check when you have any doubt.   Depending on your Plan, the withdrawal can  be billed 2€ excl. tax .  You have the possibility to cancel the withdrawal after entering your PIN to avoid fees.   Good to know You can customize the name of your cards to organize your expenses. 👉  How to customize my Qonto card name? If the card has been set up for you, you can review at anytime the payment limits and options you have access to from your Cards section.
Question: How to customize my Qonto card name?

Answer: 🔍 Gain visibility managing your cards by adjusting their name in-app.   Why should you name your cards? Naming your cards helps you organize your expenses. For example: Physical card (One, Plus, X) can be dedicated to job duties:  'Travel card', 'Office expenses'... Virtual card can be dedicated to a recurring online subscription or marketing channel:  'Google Ads', 'LinkedIn', 'CRM tool'... Online advertising card is dedicated to marketing channel:  'Google Ads', 'LinkedIn', 'CRM tool'... Instant card are dedicated to a one-off expense you can name:  'B2B conference', 'offsite dinner', 'Client visit in Lyon'...   How to edit the name? From the section  ‘Business Account’ , click on  'Cards'  and select the card you'd like to rename Click on the 🖋️ next to Card Name and adjust the name Save, it's done! Fun fact? You can add emojis to your cards' name! 💫
Question: What is a card of domiciliation?

Answer:    A card of domiciliation (or direct debit card) connects the payment terminal to a company's bank account and is especially useful for craftsmans or merchants. It generally has 7 digits and is known as a "retail card for POS". It is required for the configuration of the payment terminal (POS).    With a direct debit card, you can: Collect the payment by credit card Refund the transaction Cancel the transaction   ☝️ As a payment institution and not a banking institution, Qonto does not provide a direct debit card yet.   Which is why we have teamed up with partners like  Zettle , the European leader in direct debit for SMEs.
Question: Why was my card blocked?

Answer: You have blocked your 3D Secure (3DS) access   When you make a 3DS payment, it must be validated either by a security code received by SMS, or by validation via your mobile application if you have enabled  Strong Customer Authentication .   After three unsuccessful attempts, your card may be blocked.   In order to unblock it: From the section ‘Business Account’,   click on   'Cards' Select the relevant card Click the  “unblock”  option at the bottom right of the page. You will then have to validate the unblocking by a confidential code received by SMS or via a strong authentication from your phone.   If you are an employee, you need the validation of your Admin or Manager.   ☝️ If the card still blocked, you will need to contact our support from your interface.   You have blocked your PIN If you have entered 3 wrong PIN when withdrawing or when performing a physical payment, the status of your card becomes “ PIN blocked ”.   You will need to follow the process to  change your PIN here .   ☝️ Upon receipt of your card, if you do not remember  the first PIN defined during the order , it won't be possible, for security reasons, to request a reset.   In this case, you will have to  delete this card  and  order a new one .
Question: How can I suspend/unsuspend a card ?

Answer: You cannot find your Qonto card and wish to block it temporarily first, before maybe declaring it lost/stolen ? You can pause it.   How can I block temporarily a card ?  🔒 From the section  ‘Business Account’ , click on  'Cards' Select the card you want to suspend Click on  'Block card' Submit your choice. This action only suspends your card, it doesn't permanently block it. You can decide to unblock it after if you need to use it again.   How can I unblock a card following a temporarily blocking ?  🔓 From the section  ‘Business Account’,  click on  'Cards' Select the card you want to unsuspend Click on  'Unblock card' Type in your password and select  'Unblock this card' Submit your choice. If you are an employee, you will need the validation of your Admin or Manager.   I haven't found my card and think it is definitely lost/stolen  😔 First unblock your card  if you have blocked it temporarily Declare it lost/stolen to block it permanently:  Here are the steps
Question: Does Qonto handle cash and can I pay using signature authorisation?

Answer: Does Qonto handle cash? With Qonto, you can order physical cards, so you're able to withdraw money from any ATM. However, for security reasons,  we do not process cash deposits . As a payment institution, we do not offer a cash float either.     Can I pay using signature authorisation? With some merchants, payment authorisation can be completed by the signature method (and not the PIN code authorisation). This authorisation method  is not accepted  with your Qonto card. Every payment on a physical terminal has to be confirmed by your PIN code entry.
Question: How long does it take to receive a card ?

Answer: Qonto physical cards are sent through  tracked mail  for One/Plus cards in France, and through  DHL  for X (Metal) cards and cards sent in Europe.   From the reception of the confirmation email  "Your card is on the way"  the delivery times are approximately: 2 to 5 business days  for the delivery of a  One/Plus card for France 24h to 48h business days  for the delivery of an  X card in France and One/Plus/X cards in Europe In the DOM-TOM and outside Europe, the delivery times can go beyond 5 working days. Please also note that delivery times may be extended by a few days by La Poste or DHL and not Qonto.   Those periods apply from the moment  the card order is validated .   In the case of a new account creation, the card order validation will only be effective from the moment  the account is validated .   👆  Good to know:  Postal tracking is available about 24 hours after the email confirmation of the card shipment.   If you have not received your card within the maximum period announced, do not hesitate to contact us by starting a chat from your Qonto app.   ☝️ For any delivery outside the European Union - including DOM-TOM, customs fees may apply. We invite you to contact our customer service.   You can also read these articles to learn more : 👉  How do I activate my Qonto card? 👉  How can I order my Qonto card? 👉  How do I manage my card's settings?
Question: How can I upgrade my card?

Answer:  You would like to change your One or Plus physical card for a more premium card to enjoy more benefits? You can upgrade your card to a more premium one in only four clicks, directly from the  Cards  section of your Qonto app, without having to worry about your old one.   How can I upgrade my card for a more premium one? If you have one of the following roles on Qonto:  Admin ,  Owner  or  Manager  with authorization to manage cards; you can upgrade your card from your account.   For this, connect to your Qonto account  on desktop : Click on the  Cards  section and select the card you wish to replace On the side panel that appears, click “ Upgrade to a more premium card ” and choose the card you would like to upgrade to: either the Plus or the X card.  Confirm the delivery address to send your new card to. Confirm your order via Strong Customer Authentication on your paired device ( more info here ) The new card appears on your  Cards  page 🎉 The old one displays the mention “To be deleted on [date]”.  Which card will be active and when? The new card  will be active as soon as you’ve confirmed the order, both for online and physical payments (via Apple Pay and Google Pay). The PIN will stay the same as for your former card. More details on  this article .   Your old card  will  automatically be canceled 1 month after your upgrade  (on the same day of the following month). For instance, if you upgrade your Plus card to an X card on 14/06, the Plus card will stop being active on 14/07.   How will I be billed if I order the new card? You  won’t be charged for delivery  of the new card.   To avoid paying for both your previous and upgraded cards, you won’t be billed for the new card until your previous card is automatically deactivated, which will happen 1 month after you upgrade. If you were paying for your card (Plus card or One card not included in the plan), you will keep paying its monthly subscription fee until the end of the month. If your old card is a One card and is free of charge, it will keep being free.   The new card will be billed at the beginning of the following month; in the meantime you’ll only pay for the old one.   For example: You upgraded your  Plus card  to an  X card  on June 14 On July 1st, you will be charged for the  Plus card  for July, regardless of when it is deactivated Your  Plus card  will be automatically deactivated on July 14 You will be charged for the  X card  for August, on August 1st
Question: What are virtual cards and how to use them ?

Answer: A virtual card is a 100% online payment card. The virtual card looks identical to your physical card, with its own virtual card number on the front and security code on the back.   I am an admin or a manager, how do I create a virtual card ? From the section ‘ Business Account ’, click on ' Cards ' and select the virtual Card. You'll then have to select : An account associated with the card A cardholder : you or someone already on your team A budget : between €5 and €20,000. You'll be able to adapt the budget later Days of usage and spend categories according to your needs Once you confirm the order, the card can be used immediately  and is available in the cards section of the card holder.   I am an employee, how can I get a virtual card ? From the section ‘Business Account’, click on 'Cards' Click on Request a card Select Virtual card Add the context of your request in the notes field Click on Submit Application And that's it ! The admin or manager will then validate your request.  A mobile or email notification will alert you when your request has been processed.   How do I use a Virtual card ? Pay online  by getting the card information from the card section of your app Pay in store  by adding the card on  Apple Pay or Google Pay It is not possible to withdraw cash with a virtual card
Question: What is the difference between the budget limit over a calendar month and 30 rolling days?

Answer: Payments and withdraws amounts with both physical and virtual cards is now based on  calendar days  instead of 30 rolling days. In other words, your available balance resets itself on the  1st day of each month .   The difference with the 30-day rolling system Previously, the payments and withdraws limits were not based on calendar days ex : January 1st - 31st) but on the last 30 rolling days. For instance, if your withdraw limit was 1 000€ on 30 rolling days and you withdrew 400€ on January 5th, it was necessary to wait until February 5th to get the 400€ back in your available balance. In this example, with the calendar days system, your available balance is back to 1 000€ on February 1st.   The impact on your business We don't expect this to impact your daily operations or your finances, but as fellow planners we know how nice it feels to have all our bases covered. So here are a few tips ahead of this change. Rest assured, there is no change to your card details, so you won't need to adjust your automatic payments or subscriptions. On May 1st, you and your colleagues have seen their respective card monthly limit reset for the month. This means that they will be able to spend a higher amount than before on this 30 days period. For example, a colleague who spent 500€ on April 18th won't need to wait May 18th for the 500€ to be available again on his card.    Cards created in the middle of the month have a pre-defined monthly spending limit to use until the end of the month. To avoid this, we suggest you to create your cards on the 1st of each month, or change the monthly spending limit according to your spending needs.   We offer new customizable settings : a spending limit per transaction, a spending limit per day, or even depending on the day of the week. Therefore, more flexibility and control!  >>  How do I manage my physical card's settings?
Question: Qonto cards payment and withdrawal limits

Answer: Qonto cards are personal and can be adapted to all member needs. The Admin of the Qonto account or the Manager (for their team) can limit the card payment and withdrawal capabilities of the members of his company.   For more flexibility, these limits can be modified at any time from the section  ‘Business Account’,  click on  ‘Cards’ . Any changes will be taken into account in real-time.    Choose a card that suits your needs With a  One card : Pay up to €20,000 and withdraw up to €1,000 per calendar month With a  Plus card: Pay up to €40,000 and withdraw up to €2,000 per calendar month With an  X card : Pay up to  €200,000 per calendar month  if you are enrolled SCA  ( Strong Customer Authentication ) €60 000 per month  if you haven’t activate your SCA . We strongly advise you to activate this strong authentification, following these steps :  How to pair my phone with my Qonto account? Withdraw up to 3 000€ / month  (💡If you are registered to a german account, you can benefit from higher withdrawal limits. Please klick  here  for more information)   👉 Once you receive your physical card, using your PIN code for the first time (physical payment or withdraw) will allow to fully activate your card in a secured way : The contactless payments The monthly payment limits above 20,000€ for PLUS and X card How to change the payment and withdrawal limits of a card?** During the card creation From the section ‘Business Account’,   click on   'Cards' , click on  Create card Choose between a physical card, virtual or Instant*card Then choose the payment and withdrawal limits of the new card in the  Card settings  section After the card creation Select the card that you want to change the limits in the  Cards  section. Click on  Update  in card settings Then, update your limits in the following window. Other options can be set up on your card. For more information,  click here .   * Available on Business (Advanced) and Enterprise Plans only
Question: How can I add money to my account for the first time?

Answer: After creating your Qonto account, you have four different options for topping it up for the first time. They are available on all plans. Top up by card You can top up your Qonto account  using a different bank card of yours or via Google Pay. The funds will appear on your account instantly. The minimum amount is 10 € and the maximum is 1 000 €. It is currently available on desktop only and it can be used only once per organisation.   Your card details will be retained if you fail to pay your first Qonto subscription fee. ​ 💡 Only the holder will have access to the payment method and can delete it by going to Settings > Pricing & Billing > Payment Methods.   Initiate an instant SEPA-in  In case your current banks allows you to emit Instant SEPA transfers,  you can top up your Qonto account by transfer in 10 seconds , any day of the week.   Initiate a standard SEPA-in  Standard SEPA transfers  also work. It can take up to 2 to 3 days.   Receive a payment   You can  download and share your IBAN details  with a third party for instance with your customers and ask them to make their next payment into your Qonto account. ☝️  Good to know : You can add money to your account right after your contract has been signed. It will be available for you to use (e.g send money out of your account) once your account has been validated, it usually takes up to 5 to 6 hours from the account opening.
Question: Additional information about X card withdrawal limits

Answer: ❗️ This article only concerns companies that are registered in Germany.   In order to support you in your daily work in the best possible way, we have increased the withdrawal limits of the metal card for you. Please note that the new withdrawal limits of the X card only applies to  accounts with a german IBAN.   X Card €20 / month (excl. tax) Mastercard World Debit Benefit from a 0% foreign exchange commission on non-euro payments (and no fixed fees) Pay up to €60,000 per calendar month Withdraw  up to   €15,000  for free, per calendar month Take full advantage of a concierge service available 7 days a week Access airport lounges Benefit from Qonto’s most exclusive card insurance ✌️ Good to know: When ordering your X card, to confirm the order, you need to first top-up your Qonto account through a simple bank transfer. Find how to do it right  here .   💡 Note: Settings already selected for active X cards are retained.