ThomasCdnns/qonto-open-qa huggingface dataset:
Question: What to do if I'm not receiving SMS messages?

Answer: In certain situations, it may happen that you don't receive the necessary SMS to validate sensitive operations from your phone.   What alternative do I have to SMS? ☝️  Good to know:  If you have not received the SMS, we will send it to you automatically on the mobile app WhatsApp, if it is active on your phone, for the following cases: Setup of  2-step verification Activation of  Strong Customer Authentication Confirmation and update of your phone number Confirmation of some card transactions on internet You don’t have Whatsapp on your phone yet? We advise you to download it and then retry.   I have successfully installed WhatsApp, but I still don't receive the SMS. Then, if you still don't receive an SMS, here are some tips on how to deal with the situation: Make sure you have an adequate telephone network If you have a dual SIM phone, remove the SIM not associated with the Qonto's account If the roaming* is on, turn the roaming off and try again Check if the hour and the date of the phone is set in automatic mode Re-start the phone again If you are abroad, send an email/message to your phone number operator and verify that the SMS are on and without the limits * Roaming allows you to make phone calls or access the internet from abroad using a different operator than your own.   If you have followed these steps and the problem persists, contact our support by email or from the chat on your Qonto interface.
Question: What can I do if my paired phone is lost, stolen or if I can't use it?

Answer: If you have activated the  Strong Customer Authentication (SCA) , you have paired your phone to login or to initiate a transaction or a sensitive action.   If your paired phone is unavailable, don't worry:  contact us through the chat on your Qonto app . We will take care of unpairing your phone. Please note that only one phone can be paired per profile.   ✌️ Good to know:  If after unpairing your phone, you do not re-paired a new one, your  online  card payments will automatically be declined. It is therefore necessary to pair a new phone in order to validate your operations.   How to pair a new phone? Pairing a new phone is very simple and requires you to perform only two steps: a  phone check  and an  identity check . It will only take you a few minutes. Start by opening your  Qonto app on your new phone  and enter your credentials On the screen that pops up, click on  Change paired device Start the recovery process by e-mail. We'll first send you an e-mail, that you'll need to open with your new phone. From this e-mail, click on  Verify my phone Back on your Qonto app, you'll only need to  check your identity . To do so, we'll ask you to take a picture of your face. Adjust your face with the frame and click to take the picture. ✌️ Good to know:  To have your picture validated, please keep a straight face and make sure your eyes are visible if you wear glasses.   Once the verifications are successful, your new phone is paired, and you can connect to your app as usual.
Question: What is Two-Factor Authentication (2FA)?

Answer: The Two-factor authentication (2FA), sometimes referred to as Two-step verification, involves the transmission of a temporary verification code  via SMS.  The received code must then be entered in addition to the password to confirm the user's identity.   💡  Two-Factor Authentication is a prerequisite for setting up  Strong Customer Authentication (SCA) , now mandatory for the use of your Qonto account.   How to set up Two-Factor Authentication? From your computer, log in to your Qonto account, go to   Settings  >  Personal Settings  section. Click on the  Security  tab In the  Two-Factor Authentication  section, click Configure to start Provide or confirm your  mobile phone number In the next step,  enter the 6-digit verification code received via SMS .  Note: this code is only valid for 1 minute. If you fail to enter it in time, make a new request.   ✅ From this moment on, Two-Factor Authentication is successfully configured on your account.   I've lost my phone or no longer have access to my number, What should I do?   Refer to our dedicated article on  How can I update my phone number?  or contact our support through the chat on your dashboard or via the Qonto application.
Question: What is 3D-Secure (3DS)?

Answer: 3D-Secure (3DS) aims to protect your  online transactions  by preventing fraud attempts while ensuring the legitimacy of customers to merchants.   💡 Following the implementation of the provisions of the second European Payment Services Directive (PSD2), online transactions must now be secured through strong customer authentication (SCA). To meet this requirement, the 3DS protocol has been enhanced, and a version 2 compliant with these standards has been introduced.   As part of our partnership with Mastercard, Qonto card payments benefit from this higher level of protection.    How does 3DS work?   With this system, the cardholder must prove his identity to validate each transaction, either through  strong customer authentication (SCA ) or  two-factor authentication (2FA) .   If the merchant uses the latest version  3DSv2 , and strong customer authentication (SCA) is enabled for your Qonto account, you will need to confirm the operation through the Qonto notification received on the associated phone.  This is the most secure and recommended method. If the merchant uses the old version of 3DS and/or you have only two-factor authentication (2FA) enabled on your Qonto account, 2FA will be applied. You will receive a unique code via SMS to the phone number associated with the Qonto account. The code must be entered on the payment page. This authentication is mandatory, even when multiple payments are made close together in time.   ☝️  Good to know: Recurring subscriptions are approved via 3DS during the first transaction . However, subsequent automatic transactions do not need to be validated again. ​ ​ Example 👉  You subscribe to a monthly subscription with an online media outlet.  The first payment, corresponding to the registration of the card on the site, will be subject to 3DS. In the following months, the amount of your subscription will be automatically debited from the card by the merchant without requiring validation. ​ 3D Secure does not apply to in-store card payments or to validate automatic withdrawals ​ Merchants offering 3DS display a  Verified by Visa  or  MasterCard SecureCode  logo on their website
Question: How can I change my Qonto account password?

Answer: I have access to my account and I want to change my password:   🖥️ From a computer: Go to  Settings  in the bottom left corner and click on  Personal settings . Click on  Security , and then click on  Change Password  to reset your password. Finally, enter your current password to create a new one.   📲 From the mobile app: Go to  Menu  > settings symbol “⚙️” >  Security Select  Change password. Enter your current password and define a new one.   ☝️  Good to know:  If you're signed in using Google / Apple and do not have a password on your account, there’s no further need to set up a password, as Google and Apple are secure. You’ll notice that the  Change Password  button is disabled.     I have forgotten my password and can no longer access my account:   🖥️ From a computer Go to the login page, then click on  Forgot Password Enter your email address Open the email sent to your email address and click on  Change your password Enter your new password If you have set up  Strong Customer Authentication , click on the notification sent to your paired phone to confirm your identity If you have not yet set up strong authentication, enter the confirmation code you received on your phone number Your password is changed   📲 From the mobile app Go to the login screen, then click on  Forgot Enter your email address Open the email sent to your email address and click on  Reset your password Enter your new password If you have set up  Strong Customer Authentication  and the password change is done from your paired phone, your password is changed If you have set up strong authentication and the password is changed from a phone other than the paired phone, click on the notification sent to the associated phone to confirm the change If you have not yet set up strong authentication, enter the confirmation code you received on your phone number   Safety tips To improve your account’s security, we recommend : Signing in using Google / Apple (Sign in with Apple is available only on iOS 13 or later). Changing your password often. Opt for a strong and unique password for each of your online accounts. Avoid using birthdates, your pet's name, or simple number sequences like "12345..." or "0000...".    ⚠️  Important:   Never, never give your password  (to Qonto, or to anyone). It’s personal and helps you protect your account. If you think you are being defrauded, change your password right away and  check this article  to know what to do.
Question: How is the access to my account secured?

Answer: Account access securing is an essential matter for us, and implies the use of different methods. ​ 🔐 Secured login password To log in to your account and carry out non-critical operations, you must use a password of  at least 9 characters . Opt for  a strong and unique password  for each of your online accounts. Avoid birthdates, your pet's name, or simple number sequences like "12345..." or "0000...". 💡 Tip: use_A_long_sentence1. Also remember to change your password regularly. ​ 👉 See the dedicated article:  How can I change my password? ​ 📲 Strong Customer Authentication (for your sensitive operations) In compliance with the second  Payment Services Directive (PSD2) , Strong Customer Authentication (SCA) is often required when using your Qonto account. Strong Customer Authentication secures the most sensitive transactions carried out on your Qonto account, whether by you or by members of your team. It relies on the validation of  a notification on the phone associated  with the account, guaranteeing the origin and legitimacy of the transaction. It's important to note that  only one phone can be associated per profile . ​ 👉 See the dedicated article :  What is Strong Customer Authentication (SCA)?   ⚠️ Important:  to continue using your Qonto account normally, you must opt for Strong Customer Authentication. If you have not yet done so, please follow  these steps  to set it up. ​ 💬 The 2-step verification (SMS) The  2-Step verification , also known as  2-factor authentication (2FA) , is a step prior to activating Strong Customer Authentication on your Qonto account. It relies on  sending validation codes by SMS. It is not enough on its own to properly protect your account.   ⚠️ To get around the two-factors authentication, fraudsters can impersonate their victim to their phone operator, in order to retrieve the line's SIM card. This technique, known as  SIM swapping , enables them to receive all the security codes linked to their victim's account directly on their own phone. This is why  we apply Strong Customer Authentication (SCA) for all sensitive account actions, and not 2FA.   👉 For more information :  What is Two-Factor Authentication (2FA)? ​ 💳 3D-Secure (for your online transactions) 3D Secure is a security protocol for  online card transactions  that adds an authentication step for the cardholder, reducing the risk of fraud. Following the second European Payment Services Directive (PSD2), online transactions must now be secured by strong authentication (SCA). Therefore, the 3DS protocol has been enhanced, and a version 2 compliant with these requirements has been introduced. Qonto payment cards benefit from this system thanks to our partnership with Mastercard. ​ 👉 See our dedicated article:  What is 3D-Secure (3DS) ? For any question on the securing of the access to your account, we invite you to consult the different articles listed above, or to contact us directly by chat from your Qonto app !
Question: What is my phone number used for?

Answer: Your phone number is required in  two cases : It allows us to contact you quickly if we notice suspicious activity on your account. It enables you to use the  3-D Secure authentication , which secures online purchases. For these reasons, it is very important that you make sure that your contact details are  always up to date  in your user profile ( see how to update your information ).
Question: How can I update my personal and business information?

Answer: For  legal  and security reasons, it is important to always keep your personal and professional information up to date.   👆  Good to know:  You can update all this information  only via computer.     Follow the steps down below depending on your specific case:   👤 Updating personal information Log in to your  web app 🖥️  and go to  Settings  (in the bottom left corner)  > Organization details > Company profile . Click the  Pencil button  on your personal profile to update your information as shown in the following image: Remember to add a document justifying the modification of the information in the Submit an up-to-date proof of identity section.  💡 As a reminder, here are the  identity documents accepted by Qonto . Click on  Save .   🏢 Updating my business information ❗️ This update is only possible for companies. In order to change the address of your association, please contact Support at  [email protected]  to submit a modification request. You will need to add in the File an  up-to-date registration document  section a document justifying the modification of the information with a KBIS, INSEE's "Avis de situation", INPI's Document de synthèse définitive, or INPI's extrait d'immatriculation dating from  less than 3 months. You can independently upload an image for your company logo or update your billing email address if you wish. Click on  Save.   👥 Update of company leaders and shareholders.   If you are the corporate officer and legal representative of the company but it is not indicated, please correct the information: ❗️This is just an information update, but you won't be able to make a management change here.   Select "yes": Submit an  up-to-date registration document Fill in your tax information Save Confirm that your business information is up-to-date   ✅ Our teams will then check and validate the new information.   ❗️ Only the account holder and members with an administrator role have the possibility to modify their information. If you do not have this role, we invite you to contact us.     Do not hesitate to consult the following articles if you wish to change your telephone number or your email address: 👉 How can I modify my phone number? 👉  How can I update my email address?
Question: How can I update my email address?

Answer: You can change your email address at any time by accessing your Qonto application from your desktop or your mobile.    Do have access to your Qonto interface?   💻 From a computer Go to  Settings  in the bottom left corner and click on  Personal settings > Personal profile. Click on the  Change  button - bellow to your current email address Then, you'll  enter your new email address Confirm it by entering the  6-digit verification code  you received by email. If you have set up  Strong Customer Authentication , confirm your identity on your paired device If you haven't set up Strong Customer Authentication yet, enter the confirmation code you received on your phone number Your email address is changed!    📱From the mobile application Go to  Menu  > settings symbol “⚙️” > select your profile Click on the pencil-shaped emoticon on the right Then, you'll  enter your new email address Confirm it by entering the  6-digit verification code  you received by email. If you have set up  Strong Customer Authentication , confirm your identity on your paired device If you haven't set up Strong Customer Authentication yet, enter the confirmation code you received on your phone number Your email address is changed!   Do you have a password set up yet? If you don’t have a password set up yet  (you signed up with Google / Apple) , you will be required to set up one when you change your email. In addition to following the steps above 👆: After you enter your 6-digit verification code, you will be signed out of your account. You will receive another email with instructions to set up your password Click on the link in your email to set up your password   You don't have access to your Qonto app or an error message is displayed?   To proceed with this modification, we need to verify your identity. We just want to ensure that no one is trying to impersonate you.🕵️‍♂️   Please send us the following elements by chat: A  selfie , having in your hand your ID document close to your face, and a blank sheet of paper with the current date and the word  QONTO  handwritten.     The following information: Company's name SIREN Last name Name New email address
Question: How can I visualize my teams on Qonto?

Answer: 👆 Teams visualization is only available from Essential, Business and Enterprise plans.   Allocating the right teams to your members can drastically simplify the monitoring and analysis of your company spending in real time.  It also enables you to delegate pre-defined financial and administrative tasks to your team leaders thanks to the Manager role.   Team set up Visualize the history of transactions performed by all the members of a selected team, and track their use of cards in a few clicks. Edit your teams  to accurately mirror your organizational structure on Qonto Invite members  and assign them  a role  as well as  a team Alternatively, let your team leaders built their own teams! Add a member with the Manager role to an empty team and let her/him invite and manage the team.  💡 As a reminder, adding a member with a  Manager role  enables you to delegate a pre-defined set of actions and permissions to a member for a selected team.   Filters by team As an admin or an owner, you can easily view the members, transactions, and cards of the team of your choice. To do this, go to  User management > Teams management . Click on the wallet icon (first one) on the bottom left corner of a card to filter your  History  and access all the transactions of members in the selected team Click on the card icon (second one) to visualize all the  Cards  assigned the members of the selected team 👆 Good to know: Filters can also be accessed directly from the  User management ,  Transactions  and  Cards  sections.   Roles and permissions All teams can be accessed and edited by both owners and admins of organizations with a  Team plan . A member with a  Manager role  can also visualize the members, transactions and cards of the team she/he has been assigned to.   👆 Good to know: Only one member with a Manager role can be added in each Team.
Question: How can I create and edit a team on Qonto?

Answer: Teams editing is only available for  Essential, Business and Enterprise plans . Solo Smart and Premium can assign one of Qonto's  8 preset teams  to their member(s).   To create or edit a team, log in to your web app, go to  User management,  in the bottom left corner and click on  Team management .   👆 Good to know: On mobile, Teams can be accessed, but not edited.   Create a team Click on  +   Create team  in the top right corner of the screen Enter your team name and validate your entry by clicking on  Create new team Add existing members to the team or  invite new members  on Qonto from the  User access  tab. You can alternatively add a member with the Manager role to a team and let her/him built the team! Adding a member with a  Manager role  enables you to delegate pre-defined actions and permissions to a unique member and for a selected team. Feel free to review  this page  to better understand the difference between the Employee and Manager role.   👆 Good to know: You can create up to 100 teams on Qonto and add one manager per team.   Rename a team Click on three dots " ... " in the top right corner of the card of the team you want to edit Click on  Rename team Enter and confirm your new team name by clicking on  Rename The change will immediately be reflected on existing members of the edited team.   Delete a team Ensure the Team you want to delete has no Team Member Click on three dots " ... " in the top right corner of the card of the team you want to edit Click on  Delete team Confirm by clicking on  Delete 👆 Good to know: In order to delete a team, all team members must be  assigned  to another team beforehand from the  User access  tab.
Question: How can I update my phone number?

Answer: You can change your phone number at any time by accessing your Qonto application  from your desktop or from your mobile application . To confirm this update, we need to verify your identity. We just want to ensure that no one is trying to impersonate you.   I have access to my account and I want to change my phone number, what should I do? From a computer Log in to your Qonto account  from a computer Go to  Settings  in the bottom left corner and click on  Personal settings > Personal profile. Click on the  Change  button - bellow your previous the phone number Enter your new phone number Enter the confirmation code sent on the new phone number If you have configured the  Strong Customer Authentication , you will receive a confirmation request on your associated phone If you have not yet configured the Strong Customer Authentication, you can choose to receive the confirmation code on your previous number or by email. Enter the confirmation code sent to your previous phone number or to your email Your phone number is changed! From the mobile application Log in to your Qonto account  from your mobile application Go to  Menu  > settings symbol “⚙️” > select your profile Click on the pencil to the right of the phone number Enter your new phone number Enter the confirmation code sent on the new phone number If you have configured the  Strong Customer Authentication , you will receive a confirmation request on your associated phone If you have not yet configured the Strong Customer Authentication, enter the confirmation code sent to your previous phone number Your phone number is changed!    You can’t modify your phone number or an error message is displayed? To proceed with this modification, we need to verify your identity to ensure the security of your account.   Please send us the following elements by chat: A  selfie , having in your hand your ID document close to your face, and a blank sheet of paper with the current date and the word  QONTO  handwritten.     The following information: Company's name SIREN Last name Name New phone number      💡  Why is it important to keep your phone number updated? There are  three use cases  for which your phone number is required: It allows us to  quickly get in touch  with you if we  suspect fraudulent use  of your account It will be asked in order to  set up the  2FA verification . It  makes  3-D Secure protocol  possible  (i.e. the sending of a confirmation code for online purchases). For these reasons, it is very important that you make sure that your contact details are  always up-to-date  in your user profile.