ThomasCdnns/qonto-open-qa huggingface dataset:
Question: Why was this SEPA Direct Debit declined?

Answer: SEPA Direct Debits may be rejected for different reasons: If your balance is running low : top up your account If the direct debit request has been sent less than 48 working hours before the debit date  If your Qonto account isn’t validated : upload your B2B mandate If the B2B SEPA Direct Debit mandate is incorrect or hasn’t been correctly uploaded on Qonto :  create a new B2B mandate ☝️  Good to know:  the direct debit remains pending 48 working hours to give you time to fix the situation.   How to modify a B2B mandate?   Some tips to avoid rejection fees and unpleasant surprises Keep an eye on your account by downloading Qonto iOS or Android App! By checking your balance daily you can say goodbye to bad surprises. Also, make sure that the creditor information entered is correct and that you have successfully filed the  SEPA Direct Debit mandate  in your Qonto interface. If your direct debit has been declined, we advise you to contact the beneficiary to find a solution:  initiate a transfer  /  represent a direct debit    If you think that all the information were correctly settled for your direct debit to be accepted, do not hesitate to contact us: 💬 We encourage you to contact us by chat by logging into your Qonto space, but you can call us as well on our hotline.   💌 Send us a Private message on  Facebook  or  Twitter
Question: How to register a SEPA mandate?

Answer: From your Qonto mobile app 📲 SEPA B2B direct debits Complete and  sign the B2B mandate  provided by the creditor Log in to your Qonto mobile application and click on  Outgoing direct debits  in the  Menu  section Click on the  +  button to download the mandate Take a photo of the money order or select it from your photo library or other folder Enter the details of the mandate: the Unique Mandate Reference (RUM), Your SEPA Creditor Identifier (ICS) and the payment frequency (one-off or recurring) Validate the mandate   Please note, an inter-company SEPA direct debit cannot be contested after its execution.   💡If you have configured strong authentication on your account, you will receive a confirmation request on your associated phone.       From your web application 💻 SEPA B2B direct debits Sign the B2B direct debit mandate  provided by the creditor Log in to your Qonto account from your computer and add it to the  Outgoing Direct Debits section of the Pro Account section. Enter the mandate information: the Unique Mandate Reference (RUM), the SEPA Creditor Identifier (ICS) and the type of payment (single or recurring)   Please note, an inter-company SEPA direct debit cannot be contested after its execution.   💡If you have configured Strong Authentication on your account, you will receive a confirmation request on your associated phone.       SEPA Core direct debits You don't have to do anything on your Qonto Account!   All you need to do is provide your Qonto bank details to your creditor. You can download them at any time from your account. The creditor will be authorized to debit your account.   You can dispute a SEPA Core direct debit if the amount that appeared in your account history appears to be incorrect.
Question: What's a mandate and how to get it?

Answer: What’s a SEPA mandate? A mandate is a document that you fill in to authorize the merchant to send instructions to debit your account. Several information have to be mentioned in this document : The title “SEPA Direct Debit Mandate”. The SCI (SEPA Creditor Identifier): it’s a number given to any merchant that is making SEPA direct debits. Merchant information: address, legal name or commercial name if different. The UMR (Unique Mandate Reference): it’s a code that identifies SEPA direct debits. 💡 A merchant has one SCI but multiple UMR. For example: You pay your Internet and mobile subscriptions to one provider. The provider has one SCI but it will debit your account with two different UMR, one linked to your mobile contract and the other to your internet contract. The legal mentions. How to get your mandate? B2B mandate You can download the B2B mandate from your professional account on the public authority website. For example, if you need to download a DGFiP mandate, you can log into your account  here. The pre-filled B2B mandate is available under the section  Manage my bank accounts ​ Core mandate They usually send it to you while you're subscribing. You just need to sign the form. You don’t need to upload the core mandate on your Qonto account.
Question: How to upload a SDD mandate on your web App?

Answer: SEPA B2B Direct Debits Sign the SEPA Direct debit B2B mandate  provided by the creditor Log into your Qonto desktop App and upload it into the  Direct debits  section of your  Business Account  tab Complete the mandate information: the Unique Mandate Reference (RUM), Your Creditor SEPA Identifier (ICS) and Direct debit type (one-time or recurring)   A SEPA Direct debit B2B cannot be disputed once executed. 💡If you have set up  Strong Customer Authentication  on your account, you will receive a confirmation request on your associated phone.   ​ SEPA Core Direct Debits You don't have anything to do on your Qonto Account ! All you need to do is to provide your Qonto bank details to your creditor. You can download them anytime from your account. The creditor will be allowed to debit your account. ​ You can  dispute a SEPA Core Direct debit  if the amount that appeared in your account history seems to be wrong. ​ You can suspend or reactivate a direct debit at any time.
Question: How do SEPA Direct Debits work?

Answer: The SEPA Direct Debit is a European payment system. It allows companies to settle and receive payments in European currencies from bank accounts domiciled within the 34 states of the SEPA zone and related areas.   There are two types of Direct debits :   SEPA Core Direct Debits  are the most common. All you need to do is to provide your Qonto bank details to your creditor. Access this information anytime from the  Direct debits  section of your account. The creditor will be allowed to debit your account– you have nothing else to do! ☝️You can  dispute a SEPA Core Direct debit  if the amount that appeared in your account history seems to be wrong.    SEPA Direct Debits B2B  are mainly used by public institutions (DGFIP, URSSAF, SIE ...). To authorise the direct debit of a B2B mandate, you'll have to  upload the information  on your Qonto account.  How do I keep a mandate active If I have switched from my old bank account to my new Qonto account? If you have switched bank account and you now hold a new Qonto account, you need to make sure to “move” your mandates. First you have to inform you payees about the new IBAN so they can change their orders, for this you can download and fill in the certificate below with the new details and send it to all your payees in order to allow them to proceed with the data transfer.    For CORE mandates that should be enough, but for B2B your payee needs to deliver a new Mandate version and that’s the one you need to upload in your Qonto app.   Bank account details for bank account Switch - Sepa Direct Debits (SDD)
Question: How to approve a transfer request?

Answer: For  Business and Enterprise plan users , our  Requests  feature allows team members to initiate transfer requests on behalf of an Admin or Manager, who is notified and can approve or reject a demand in just a few clicks.   This feature allows managers to stay in control of their company finances while giving more freedom to their team.   How to approve a transfer request in Qonto? Log in to your Qonto app, from your desktop or your mobile Go to the  Team Expenses  tab in the main menu, then in the  Request  section. Once your team sent you a transfer request, the transaction remains in the  Pending  tab, waiting for your validation. Select a transfer request by clicking on it. You can now verify the transfer details. Approve or decline the transfer request accordingly. Buttons are displayed at the bottom of your screen.  (NB: for the Manager role, the validation of this request will only be possible if the amount of the transfer does not exceed the limit per transfer / monthly limit defined by the Account holder or an Administrator) You’ll be able to comment on your decision if you choose to reject a transfer request.   💡 If you have set up  Strong Customer Authentication  on your account, you will receive a confirmation request on your associated phone
Question: How to cancel a transfer request ?

Answer: For  Business and Enterprise plan users , our  Requests  feature allows team members to initiate transfer requests on behalf of an Admin or Manager, who is notified and can approve or reject a demand in just a few clicks.   If you want to cancel a  scheduled transfer , go to the  Transfers  section of your Qonto app in the  Business Account  menu, click on the transfer to cancel, and then on  Edit transfer . You will delete it by clicking on  Delete transfer  (at the bottom left of the page).   When you want to cancel a transfer that is not planned and  the request is still pending , you can quickly cancel it from the  History  section. Simply click on  Cancel this transfer  in the transaction details.   Who can cancel a validated transfer request? Only the Admin of an organisation or the Manager of your team has the possibility to cancel a transfer.   Have you made a transfer request which has been validated by your account Admin or Manager? If you want to request the cancellation of this transfer, contact your Admin or Manager, as soon as possible.   I can't cancel a transfer request, why? In the cases listed below, transfers cannot be canceled from your app: From Qonto to Qonto Have you made a transfer to another Qonto account? This is an intra-bank transfer. They are free, unlimited and instantaneous. In fact, you do not have the possibility to cancel them from the interface. In case of error, we advise you to contact the beneficiary to request a refund or to contact us directly. The funds are already gone You have made a transfer to a bank other than Qonto and the Cancel transfer button is no longer available on your interface? You cannot cancel interbank transfers that are already in progress or those whose funds have already been transferred to the beneficiary's account. In case of error, we advise you to contact the beneficiary directly to request a refund. SWIFT transfers You can't cancel a SWIFT transfer. In case of problems, we advise you to contact the beneficiary to request a refund.   ☝️ Good to know: Take a look at the different transfer status  by clicking here . It can provide complementary information that could be useful in some cases.
Question: Can an employee make a SWIFT transfer request ?

Answer: Available to  Business and Enterprise plan users , the  Requests   feature  allows you to delegate the initiation of  SEPA  transfers to team members, while keeping their systematic validation by an Admin or Manager. ​ This validation system allows you to keep control of your company's expenses while giving greater autonomy to your employees. ​   However, at this time, user with an  Employee  role cannot make  SWIFT  transfer requests, i.e. transfers in foreign currency. This action is currently restricted to the Account holder, Admins and Managers.
Question: How to submit a transfer request?

Answer: For  Business and Enterprise plan users , our Requests feature allows team members to initiate only  SEPA  transfer requests on behalf of an Admin or Manager, who are notified and can approve or reject a demand in just a few clicks .   To submit a transfer request in euros, you need to fill all required information in the  "Transfers"  tab in the  “Business account”  of the main menu. Then click on the " Make a transfer"  button on the top right side of your screen.   You will have 2 choices :   1- Upload an invoice If you have an invoice, upload it right now! The system will gather information on the invoice whenever it is possible (beneficiary / iban, amount, reference), You will be able to modify any field, the account to debit, schedule a recurrence, send notification to the beneficiary, add bookeeping details.   2- I don’t have an invoice / Add transfer details If you don’t have an invoice, follow this steps: Go to  SEPA transfers in euros Choose  or  add  a new beneficiary Enter the information needed (account to debit / amount / category / reference) Scheduling and recurrence  allows you to define the  date  you want the transfer to be emitted, or choose a  frequency  if you wish to make it recurring Attachment , if you want to add a supporting document to your transfer, or in case the amount exceeds 30,000 euros Beneficiary notification , in case you want us to send an email to the beneficiary with transfer details Bookkeeping details , which allows you to define beneficiary VAT rate, custom labels in case you have it in your price plan, and a note to remember what this transfer is about Once you submit a transfer request,  Admins and Managers will be notified by email and push notification. ​     Managers with the  Whole company  scope will also be able to make or initiate transfer requests to pay invoices in the  Supplier Invoice section.   As soon as one of the Admins or Managers  approves your pending request , it will be validated and executed the next morning. You will then be notified of the correct execution of your transfer by email. ​ In case of a change of plan or error, you can also  cancel a transfer request  (until your requests is approved by an Admin or Manager).   NB: Managers can only validate a transfer request only if it is within its monthly/per transfer limit, previously set by the Account Holder or an Administrator.   💡 If you have set up  Strong Customer Authentication  on your account, you will receive a confirmation request on your associated phone.
Question: Can I import multiple beneficiaries at once to make a bulk transfer?

Answer: Importing beneficiaries in batch is a convenient feature when changing from a bank to another. Qonto allows importing up to 400 beneficiaries at the same time.   How does it work? Download the following empty CSV file:  qonto_import_beneficiaries_empty.csv Fill the CSV file with your beneficiaries, using Microsoft Excel or any other spreadsheet editor (Do not modify the first row) Open the file in the Qonto application Go to the  Business account  tab of your Qonto space Access the  Transfers  section Click the black  + Make a transfer icon  in the upper right corner of your screen Access the  SEPA bulk transfers in euros  section To add multiple beneficiaries at once, import a  .CSV file Check the imported data and validate   ⚠️ I get an error when uploading my file, what should I do ? Your file  has to include the 3 columns below , separated by a semicolon (;). If it doesn't, you will get an error.  (Please note that the file is in English, so it is not possible to modify or translate the column titles) NAME IBAN EMAIL   DO NOT CHANGE THE COLUMNS NAME If it is correct, your file should like one of those two examples, don't forget to export into CSV type :         ☝️ depending on the spreadsheet editor you have,  you will have to fill either the 3 datas in every in 3 different columns either fill the 3 datas in one column separated by a semicolon (;) . (see examples)    Regarding the values, only the following columns have to be filled in NAME, IBAN. The value for "EMAIL" can remain blank, it is optional.   IBAN data must comply with the right format. In case of error, the confirmation screen will highlight beneficiaries for whom the parameter is wrong, so you get a chance to fix them.  As soon as the information will be modified, you will be able to validate the export of your beneficiary list.   NB: it's not possible for now to put in the files non-sepa accounts.
Question: How to generate a bulk transfer using a .XML file?

Answer: You can initiate up to 400 transfers at once by uploading a .XML file that respects the ISO 20022 standard in your Qonto app. The documentation of this standard is downloadable at the end of this article.   Most of the payments and accounting services (as PayFit) can automatically provide .XML files.   To initiate a group transfer using a .XML file, simply follow the following steps.   1 - Create a new bulk transfer On the left-hand side of your screen, click on  Business Accoun t section on your desktop webapp then on the  Transfers  tab. Choose the  Bulk transfer in Euros  option.   2 - Select the .XML format To initiate a bulk transfer, you can choose 2 different file formats: the .CSV one, or the .XML one. Just click on the  .XML file  box.   3 - Upload your .XML file once completed Once you downloaded the .XML file from your payment or accounting tool, you can upload it in your Qonto app.   You can drag & drop your file or click on the drag & drop zone to select it from your computer. If the format is correct, this zone turns green. If not, it goes red.   Here are the common errors you can do: your file contains more than 400 transfers, there is a missing field, your file contains one or several operations that are not in Euros, your file contains one or several IBAN that are not part of the SEPA zone, the beneficiary name or the reference is too long, forget the row with column names, you have to top-up your account before proceeding. 4 - Plan and organize your transfers You can schedule your transfers and organize them in categories if necessary.   5 - Verify and confirm Once you uploaded your .XML file on your app, you just have to check each transfer that appeared on the bottom of your screen. If everything's right, you can confirm your bulk transfer.   If you realize there is a mistake after confirming it, do not worry: you can cancel a single transfer by going back to the  Transfers  section of your app and clicking on the right one.   All the beneficiaries are then automatically saved in your beneficiary list.   XML_template.xml   💡 If you have set up  Strong Customer Authentication  on your account, you will receive a confirmation request on your associated phone.
Question: What is a bulk transfer?

Answer: A bulk transfer allows you to schedule up to 400 transfers at once from your desktop.   No need to initiate these transfers one by one anymore: for example, you can pay all your suppliers at the end of the week, or all your employees at the end of the month, in a few clicks.   💡Good to know: Sending instant transfers does not concern bulk transfers.   You just have to group all your payments in one file. You can choose one of those two formats:   the .XML one, or the .CSV one. The .XML format allows you to export your list of transfers directly from your accounting or payment tool, like PayFit. The full process is explained in  this article .   Using .CSV format, you just need a simple Excel table to create your file and upload it on your Qonto app. However, you have to follow the template we created for you. You can download it at the end of this article, or directly from your app.    💡 This feature is available only from the Solo Smart Plan.
Question: I want to better understand why my SWIFT transfer was rejected, and if I will pay any fees related following this rejection

Answer: Qonto allows you to initiate SWIFT transfers to several countries around the world. This is thanks to our connection to the SWIFT network via a  third-party provider  who will be responsible  for validating and executing your transfers.   In some cases, your transfer may be rejected, and we are sorry for that. Our goal at Qonto is to communicate as clearly as possible the reason for the rejection in the email you receive. But sometimes, very little information is shared by our third-party provider.    Here are some guidelines and principles to know about on SWIFT transfers, for two scenarios :   The document(s) supplied is (are) not valid or does (do) not meet the criteria of our third-party provider ? Learn more about the 📔  documentation requirements for SWIFT transfers on this  link .   💵 We will endeavor to reimburse you for the transfer fees charged, in cases of rejection that we deem beyond your control…   …but we will not reimburse fees in the following scenarios:   When the documentation provided at the outset is unquestionably invalid When the beneficiary initially indicated on the application does not correspond to that on the invoice or contract When you are the originator of the request to cancel the transfer When the transfer is returned to us by the beneficiary bank     Has your transfer been rejected, and  no clear reason has been provided to you  ? There are a number of cases in which it will not be possible to execute your transfers: Rejection for regulatory reasons, by our external partner or the beneficiary bank Insufficient funds to process the payment, as there may be charges on the SWIFT network Incorrect or incomplete account information Finally, it is also possible that the beneficiary bank or the intermediary banks in the SWIFT space  have not provided a reason. To find out more about SWIFT transfers, click  here .
Question: SWIFT transfers - My beneficiary received a different amount than I sent to him.

Answer: In the majority of cases, your beneficiary will receive the exact amount you have sent to him from your Qonto account. However, in very rare cases of SWIFT transfers, the amount received may differ from the amount sent.   In fact, SWIFT transfers are sent to your beneficiary via our partner in SHA mode ("shared costs" - the market standard). The receiving bank or/and intermediary bank(s) may choose to charge a transfer fee. These will then be either:   Charged separately, to the beneficiary's account Imputed directly on the amount of the transfer For example, if I send $1,000 to the United States, and the receiving bank or/and intermediary bank(s) charges a $15 international transfer fee, then the transfer recipient:   Can be charged $15 of reception fees, or May receive only $985 of the $1,000 sent This second case is again quite rare, but possible in some less common banks. In these cases, it is sometimes wise to inquire about these fees from your supplier, before making your SWIFT transfer.   👉  Good to know:  All transfers that go through the USA, even if it is only an intermediary bank, have a fee of 20$.
Question: Why can't I execute SWIFT transfers?

Answer: Here are the main reasons that can explain why our third-party service provider doesn't accept your SWIFT transfers yet:   Your company  is not yet validated . When the onboarding process will be validated by our team you will be able to get access to the feature.   Your company was  recently registered . Thus, all the required information isn't publicly available yet, including your industry activity (ex. for French companies, your NAF/APE code). We automatically check for your industry activity on public databases several times a week, so your account should be granted access quickly.   A representative of your company has requested that its  information should not be made available on public databases . If you fall into this case, please reach out to our customer support to provide the required information privately. We will update your company information in our system, so you can get instant access to non-euro transfers.   Your company has  several Qonto accounts . Our third-party service provider’s internal processes / API makes it so that they do not currently support more than one account per company. The feature is active only for the first account you created for your company with us.   💡For German administration forms, the feature can be unavailable if you haven’t submitted the  registration information . Our team will check if your company complies with the criterias of our third party provider to allow you to make swift transfers. ​   If you still cannot make SWIFT transfers, please contact our Customer Support team on our chat, they will handle your request and resolve it as soon as possible. ​ To learn more about non-euro transfers,  click here .