Qonto and Adyen Partner to Streamline Payment Collection for European Businesses
French neobank Qonto and Dutch payment platform Adyen have announced a strategic partnership aimed at simplifying payment processing and cash flow management for small and medium-sized enterprises (SMEs) and freelancers across Europe.
The integration will allow Qonto’s business customers to accept a wide range of payment methods—including card payments, mobile wallets, and popular local options like iDEAL and Bancontact—directly through their Qonto account, powered by Adyen’s infrastructure. Crucially, received funds will be settled directly into the user’s Qonto business account, eliminating manual transfers and reducing administrative delays.
This move addresses a significant pain point for professionals who typically manage separate relationships with a bank for their account and a payment service provider for transactions. The partnership consolidates these services, offering a unified dashboard for tracking income and managing finances. For Qonto, this enhances its core banking offering with embedded payment acceptance, strengthening its value proposition against traditional banks and other fintechs.
The service is initially launching for Qonto customers in France, Germany, Italy, and Spain, with a broader European rollout expected. The collaboration leverages Adyen’s global scale and regulatory licenses, enabling Qonto to expand this capability without building its own costly payment acquiring system from scratch.
The deal underscores the ongoing convergence of banking and payments, as neobanks evolve from simple account providers into comprehensive financial operating systems for businesses.