ThomasCdnns/qonto-open-qa huggingface dataset:
Question: I received an email informing me that the use of the Qonto account is subject to particular conditions: what does this mean?

Answer: For certain activities, the use of the Qonto account is allowed only if specific conditions are met , such as: Registration with certain professional registers, control registers of various Ministries and the Bank of Italy, obtaining specific licences,  and, above all, that the Qonto account is not used to process transactions on behalf of third parties.   Businesses that are required to comply with these conditions  must include the following activities in their business purpose: Monetary intermediation; Financial services activities (excluding pension funds); Credit activities; Real estate brokerage activities; Foreign exchange brokerage activities; Insurance; Pension funds; Auxiliary activities of financial services (management of financial markets, financial consultancy); Activities of insurance agents and brokers; Fund management activities. If your business includes these activities: You will be able to receive transfers for the work activity you carry out:  these funds can be used for normal administrative transactions (e.g., payment of salaries, payment of suppliers, payment of utilities and/or living expenses). However, you will not be able to reinvest these funds on behalf of third parties  or use them for all those activities not authorized by our Payment Institution. 💡 For example: if you are a financial consultant, you can invoice for your consultancy services, but you cannot reinvest these funds on behalf of third parties.
Question: How does Qonto x Make (ex-Integromat) work?

Answer: With more than 500 connected apps, Make is an advanced online automation tool. Scenarios are unlimited, so you can go even further. Qonto has developed an integration with Make to automate your financial processes.   How to set up the integration of Make with Qonto  ? You can connect your Qonto account with Make in just a few clicks: Go to your Make account Look for your favorite app, Qonto Enter your Qonto credentials and select the name of your organization Finally, allow Integromat to access your account by clicking on  Allow access ☝️ Good to know: We may need some time to set up the update for this new connection.   How to initiate a transfer with Make ? With Make, you can also initiate transfers, to an external account, but also between your Qonto current accounts. To protect your account, we have added the  strong customer authentication  system, which is the same as on your Qonto app.    To avoid validating your transfers manually every time, you can  trust your beneficiaries  beforehand :  Please, visit  this page  and follow the steps. You can also do this steps  from the API .   Ready ! You can then automate your transfers on Make. 🎉   For further information about Make, visit their  Help center  !
Question: My company has a legal entity as a shareholder. Who are the beneficial owners?

Answer: It's possible that a legal entity owns shares in your company. This FAQ explains how to identify and declare your beneficial owners when they include one or more legal entities.    As a reminder:  Who is considered a beneficial owner in a limited company ( società di capitali )? In limited companies   ( società di capitali ),   the term ‘beneficial owner’ refers to an individual person who owns more than 25% of the capital. Alternatively, it may refer to any individual person who possesses enough votes to influence a shareholder meeting, or who has administrative or management powers.     Who is considered a beneficial owner in a partnership ( società di persone )?  In partnerships ( società di persone ), the term ‘beneficial owner’ refers to any company shareholder, regardless of their type of shares and their percentage of capital participation.     Who is considered a beneficial owner in a co-operative company ( società cooperativa )?  In co-operative companies ( società cooperativa ), the term ‘beneficial owners’ refer to its President and Vice President.   During the company registration phase, you must declare who the beneficial owners of your company are.   There are two types of ownership: Direct ownership We consider beneficial owners with direct ownership to be the internal beneficial owners of the company. Normally, they are shareholders in the company. Indirect ownership We consider beneficial owners with indirect ownership to be those individual persons who are beneficial owners of the company through a legal entity that holds company shares. How to declare my beneficial owners if my company is owned by a legal entity? If your company’s shares are owned by a legal entity (or multiple legal entities),  you must declare all the beneficial owners (i.e. the individual persons) of all the legal entity(ies).     You must specify that those individuals are beneficial owners of your company with  indirect ownership.    It could also be the case that there’s another legal entity (or entities) that holds shares in the legal entity that owns shares in your company: in this specific case,  you must name all individual persons who serve as beneficial owners of all the entity(ies) in the ownership chain .    These individuals will be classified as beneficial owners of your company with  indirect ownership .    On the other hand, if there are beneficial owners directly within your company, you must declare them as beneficial owners  with direct ownership.
Question: List of the documents required to open a Qonto account

Answer: Below you will find a table summarising the documents required to open an account with us, who are the beneficial owners and who we need to register based on the different legal forms: Legal form: Documents needed: We need the documents of:  SRL, SRLS, SPA, SAPA ( corporation = società di capitali ) No company-related documents are required.  *️⃣ The legal representative;  Who owns more than 25% of the shares;  SAS, SS, SNC ( partnership = società di persone ) No company-related documents are required.   *️⃣ The legal representative; All the shareholders present in the  Visura Camerale  (regardless of the % of the share owned);  Associations Visura Camerale  dated no more than 3 months OR Association's Statute signed and stamped by the Revenue Agency; Constitutional Deed  ( Atto Costitutivo)  signed and stamped by the Revenue Agency.   Certificate of Fiscal code assignment  signed and stamp by the Revenye Agency;    Minutes  ( Verbale ) if the roles aren't specified A minimum of 3 members to be registered: President  (usually corresponding to the Legal Representative); Vice President;  Secretary .   (If present, we should also register in the account the Treasurer)  ​  Cooperative Visura Camerale  dated no more than 3 months A minimum of 3 members have to be present in the Visura.  We need the documents of:  President ; Vice President ( only if  this role is present in the Visura). Foundations Registration to the RUNTS; The  constitutional deed  (atto costitutivo) ; The  Foundation Bylaw  ( statuto ); The  Certificate of Fiscal code assignment  and  Fiscal Code The  list of beneficial owners  (you can find the form to fill  here ).  Founders  (while still alive); Beneficiaries  (when identified or easily identifiable; Individuals  who hold managerial and administrative roles. Impresa o imprenditore individuale No company-related documents are required.  *️⃣ Owner of the organisation ( Legal Representative) Freelancer and Self-Employed  (sole proprietorship) The  Certificate of Fiscal code assignment  and  Fiscal Code  signed and stamped  or  the digital version; alternatively the  declaration of commencement of activity, data change or cessation of activity for VAT purposes.   Owner of the business.  Physical person Visura camerale  accompanied by the official certificate of VAT number assignment. Business owner *️⃣  If your business is not listed among the options during registration, we may request the Chamber of Commerce registration document.
Question: Why does Qonto need to identify the beneficial owners of my Italian company?

Answer: Qonto is a payment institution supervised by the Bank of France and operates in Italy through a branch supervised by the Banca d'Italia.   In compliance with customer due diligence obligations and the provisions of  Italian Legislative Decree No. 90/2017 , Qonto is required to identify the ultimate beneficial owners who directly or indirectly control or own your company. ☝️     If your company is a partnership (Società di persone S.s. - S.a.s. - S.n.c.) The  ultimate beneficial owners are all the partners  (as owners), regardless of the type of share held (e.g. limited or general partner - socio accomandante o accomandatario) and regardless of the percentage of participation in the capital. The percentage of participation in the capital is in fact only applicable to corporations and not to partnerships company.      If your company is a corporation (Società di capitale S.p.a. - S.a.p.a. - S.r.l. - S.r.l.s.) The ultimate beneficial owners are the physical persons who hold more than 25% of the capital of your company.    🔎 If more than 25% of your company's capital is held by a person who is not a physical person, the ultimate beneficial owner will be, going back up the chain of ownership, the physical person or persons who ultimately hold these holdings.   In other cases, ultimate beneficial owners are those who exercise control over your company and have a dominant influence, or have powers of administration or management of the company (regardless of the percentage shareholding).   In the case that is not possible for us to identify the beneficial owners of your company, unfortunately will not be possible to proceed with the finalization of your registration.   In fact, in accordance with anti-money laundering regulations, only after a proper verification of the identity of the beneficial owner will it be possible to proceed with the opening of the account and grant you full access to its functions. 🚀   ⚠️ IT IS IMPERATIVE TO DECLARE A BENEFICIAL OWNER FOR CORPORATIONS.  In the event that we could not identify at least one beneficial owner for your company, we will ask you to complete this statement in which you declare the beneficial owner(s) yourself.     Declaration of beneficial owners.pdf
Question: How does the Cegid Loop integration work?

Answer: With receipts and invoices automatically exported into Cegid Loop, closing your clients’ books has never been faster.   What does integrating with Cegid Loop offer? Automatically transfer receipts, both paid and unpaid invoices  from Qonto to Cegid Loop daily at 8 PM UTC: Each day , your client’s Qonto account is  scanned for new receipts and invoices. These  attachments seamlessly appear  in the Robot Comptable document deposit section within your Cegid Loop account. Cegid Loop  conveniently pre-populates  your customer’s accounting  journals  with the necessary details. Who is eligible for this integration? The integration process can be  initiated by all account holders, admins, and those in reporting roles . However,  completion of the setup requires certified public accountants  who have access to essential integration details (Cegid Loop API key, API secret).   👉  Important to know:  This feature is only available for customers with a French IBAN for our  Smart ,  Premium, Essential, Business  and  Enterprise  packages. Click  here  to learn how your customer can upgrade to a higher plan.   Setting up the Cegid Loop integration: First, ensure you have access to your customer’s Qonto account. If access is not yet granted,  learn how to obtain it  here . ​ From the Qonto web app, click on  Integrations and Partnerships  on the bottom left then  Integrations . Search for Cegid Loop,  select it, and then click "Connect" on the top right.  Follow these steps for setup: Retrieve your API Key and API secret from CegidLife : If you're an admin, log into CegidLife, access your profile (icon on the top right), select "Clé API", and  generate a new API key  named, for instance, "Qonto". Remember, this information  cannot be retrieved again , so save it carefully. Install the Qonto app within Loop Hub : Click the ➕ icon in Loop Hub, filling in the details as follows: Type: Partenaire Application: Qonto API Key: [Previously fetched API key] Choose either all client files or specific folders requiring the Qonto app. Create a new authentication , naming it “[Client name] x Qonto”, and input the API key and secret from Cegid Loop. Select the Cegid Loop client file  for synchronization. If the file isn’t found, check whether you’ve added the Qonto app to this client file or if the API key was correctly entered. After  clicking "Create" and then "Finish" , your integration is set. A file will be sent to your Cegid Loop account to confirm the integration's success, which might take a few minutes to appear.   Troubleshooting: Not seeing Qonto files in Cegid Loop? If a file doesn’t appear within 24 hours, you'll need to reconnect the integration. Simply disconnect and then reconnect to Cegid Loop via the Qonto web app.   💡  Good to know:  Only files in JPEG, PNG and PDF format will be exported to Cegid Loop.   What about deleting files in Qonto or Cegid Loop? New attachments  are synced with Cegid Loop at 8 PM UTC daily.  After synchronization, deleting attachments in Qonto won’t affect those already in Cegid Loop.
Question: How does the Stripe x Qonto integration work?

Answer: Stripe ’s software and APIs allow businesses to accept payments and manage their businesses online. Stripe then pays out revenues directly into their customers bank accounts, including Qonto!   Together with Stripe, we have built an integration between our solutions that helps save you a lot of time!   How to set up the integration of Stripe with Qonto ? You can connect your Qonto account with Stripe it in just a few clicks:   Log into your Stripe account and enter your Qonto IBAN, as shown in the screenshot below. Now, all you need to do is determine how often you want to receive your transfers/payments to your Qonto account!     From your Qonto account : Go to the  Integrations and Partnerships  section, in your Qonto app interface on the bottom left, then  Integrations  section Click on  Stripe , then on  Connect Select your company in the dropdown Click on  Accept Once redirected to Stripe, select the right Qonto account Click on  Connect You are done, ready for effortless bookkeeping!   ☝️ Good to know : It may take 24 to 72 hours for the document to be attached to the correct transaction. For now, it is only possible to connect one Stripe account to one Qonto account. Who can benefit from this integration? This feature is available for our  Smart ,  Premium ,  Essential ,  Business  and  Enterprise  packages.   What action or automation can I do with this integration ? When Stripe sends a payout to a Qonto user, Qonto identifies the details of the payout, matches them with corresponding receipts (and invoices in case you use Stripe Invoicing or a similar solution) and correctly stores everything in the Qonto app. It is free, and helps you stay compliant as each transaction has to be justified! Qonto identifies orders within the Stripe payout Qonto fetches each receipt or invoice, for each order Qonto matches the right document with the right transaction Qonto displays the link to each document next to its transaction in the app in the History section This means that each document is automatically attached to the corresponding transaction in your Qonto app, without you having to do anything!   This concerns transactions that were processed after the connection.   For further information about Stripe, check out their  Help Center .
Question: How to connect Quipu to my Qonto account?

Answer: Quipu is the invoicing and accounting tool for SMEs and freelancers, which simplifies and automates your financial and accounting management.   Connect Qonto with Quipu to manage your invoices and cash flow more easily. Automate your bank transactions, income and expenses, thanks to the integration of Qonto and Quipu.     How to connect Quipu to Qonto? Log in to your Quipu account; Click on the Banks section; Select the  + Add bank account  button; Click on the  Connect my bank  button; At the bottom, you will find the  Show all available banks  button. Click on; Search for  Qonto  and select; Here you will be prompted for Qonto login credentials. - Go to your Qonto account and click on Settings icon - Then select  API Key - Copy the login credentials (Sign-in and Secret Key) - Paste the login credentials (Sign-in and Secret Key) you have previously copied into Qonto.   Done! Account connected.
Question: How does PayFit x Qonto work?

Answer: Qonto and  PayFit  have developed a simple, fast, and secure connection to ease the salary payment of your employees. From the same platform, you can pay up to 400 salaries in one click.   How to set up the integration of PayFit with Qonto? First, you need to connect your Qonto account to your PayFit account. From the  Bank Transfer  section of PayFit app, click on  Connect to my Bank , enter your Qonto credentials and follow the steps.  To know more about the account setup into the PayFit app, take a look at  the PayFit dedicated article .     How can I pay my employees? Qonto x PayFit  allows you to pay your employees with your Qonto current account directly from PayFit. Go to the  Bank transfer  section of PayFit app Click on  Pay salaries Validate the amount Enter your Qonto password, go through the security process and that's it! Who can benefit from this integration? Users with a  Smart ,  Premium, Essential, Business or Enterprise  plan can benefit from this integration and pay their employees' salaries from PayFit in a single click.   ☝️ Good to know: You need to be Admin of both Qonto and PayFit accounts to authorize the payment.   For further information about PayFit, visit their  help center  !
Question: How does Qonto x Notion work?

Answer: Notion  is a productivity and collaboration tool that allows note-taking, data storage, document organization, and task automation.  By connecting your Qonto account to Notion, you can create advanced financial dashboards and access your transaction information directly in Notion. How to set up the integration of Notion with Qonto ? Open your Qonto app on your computer and navigate to the  Integrations and Partnerships  section. Click on the  Notion card . Use your Notion credentials to connect Notion with your Qonto account. Select the Notion page where Qonto will build your transaction database. How to use the integration ? Once the “Qonto Transactions” database is created in Notion, all your transactions will be synchronized every three hours. Here are some examples of what you can do with the integration: Easily analyze your transactions or share transaction details with your teammates. Enrich your database with additional elements to enhance your financial dashboards. Set up calculations, such as VAT calculation, to simplify your financial tasks. Create alerts or tracking mechanisms for specific transactions. ☝️ Good to know : Attachments and pending transactions cannot be retrieved in Notion.    How to fix a transactions' synchronizing issue ? If your transactions are not synchronizing correctly on Notion, you can try disconnect and reconnect the integration. However, by doing so, you may temporarily lose access to your transactions.    To resolve this, follow these options:   Option 1:   a. Disconnect the Notion integration b. From your Qonto app, go to  Integrations and Partnerships , and set up a new Notion authentication connected to a new Notion page.   Option 2:   If you want to keep the same Notion page: a. Duplicate the current page where you want the transactions to appear. b. Delete the old page. c. Disconnect the integration. d. Reconnect with a new Notion authentication from  Integrations and Partnerships  and grant access to the newly generated page.     By following these steps, you can successfully integrate Qonto with Notion and leverage the power of financial dashboards and transaction management.   For further information about Notion, visit their  Guides  and  Help Center  !
Question: How does Qonto x Slack work?

Answer: Slack  brings communication and collaboration together in one place to improve productivity. Our team has developed a simple and secure connection to help you manage your finances directly from your Slack workspace.   How to set up the integration of Slack with Qonto ? It's very easy to connect Slack to your Qonto account: Go to  Integrations and Partnerships  section from your Qonto app on the bottom left, then click on  Integrations . Click on the  Slack  card to access the details, then on  Connect , on the top-right corner  Use your Slack credentials to connect with your Qonto account. Ready !  Slack is now connected to your Qonto account! 🎉   From the  Settings  section, you can choose the canal on which you want to get your notifications and create your balance and transactions alerts   ☝️ Good to know: If you want to disconnect Slack from your Qonto account, it's also very easy! Click on the  Connected  button, in the top-right corner, and then on  Disconnect Slack . Finally, confirm your choice.   Who can benefit from this connection? Everyone! You just need to have a Qonto account and Slack.    Besides, you can invite your team members (for example, those in charge of your finances) to join you on the Slack channel you chose, even if they don't have access to Qonto. This way, anyone can keep an eye on your finances, independently and in real-time.   How can I manage my alerts? You can edit your alerts at any time, directly from your slack workspace. All you have to do is click on the top-right icon of your notification, and then on  Manage my alerts .   You can also edit the Slack channel you picked by simply clicking on  Edit   Slack channel  in the  Settings  section.   If you want to delete one of your alerts, go to the  Settings  section, under  Balance and transactions alerts , select the alert you want to delete and click on  Delete alert .    For further information about Slack, visit their  Help Center  !
Question: How to connect AGICAP to Qonto ?

Answer: AGICAP  is a cashflow management tool. You can connect your Qonto account to AGICAP, in order to automate and improve the reliability of your cashflow management: Follow in real-time your incoming and outgoing payments from your Qonto account directly from your AGICAP app. Define your own categories and let AGICAP's AI categorize automatically all your transactions. Verify in real-time and on the same platform how your company is performing versus your cashflow forecasts. ☝️ Good to know: You cannot retrieve your transactions' attachments with the integration.   How to set up the connection ? Open your AGICAP app and visit the  Bank  tab. Then click on  Manage my banks  then,  Connect a bank . Fill in your Qonto credentials. Ready…the integration is now setup! 🎉   For further information about AGICAP, visit their  resources page  !