{ "info": { "_postman_id": "29a54501-bf54-411e-8057-4399087d45d5", "name": "Qonto Business Cards SEPA Transfers API", "description": "Business banking API for Qonto - programmatic access to business accounts, EUR transactions, SEPA and international transfers, cards, client and supplier invoices, SEPA Direct Debit, payment links, terminals, and webhooks. Authenticated with a login+secret-key API key or OAuth 2.0. Modeled from public documentation.\n\nContact Support:\n Name: Qonto Developers", "schema": "https://schema.getpostman.com/json/collection/v2.1.0/collection.json", "createdAt": "2026-07-28T02:42:29.000Z", "updatedAt": "2026-07-28T02:42:29.000Z", "lastUpdatedBy": "35240", "uid": "35240-29a54501-bf54-411e-8057-4399087d45d5" }, "item": [ { "name": "v2", "item": [ { "name": "sepa", "item": [ { "name": "transfers", "item": [ { "name": "List SEPA transfers", "id": "e6204e57-aa63-41c0-9269-6d009745c19e", "protocolProfileBehavior": { "disableBodyPruning": true }, "request": { "method": "GET", "header": [], "url": { "raw": "{{baseUrl}}/v2/sepa/transfers", "host": [ "{{baseUrl}}" ], "path": [ "v2", "sepa", "transfers" ] }, "description": "OAuth scope: organization.read" }, "response": [ { "id": "3e277ac9-9dad-4faa-962a-3e134dfcfc5a", "name": "A paginated list of SEPA transfers", "originalRequest": { "method": "GET", "header": [ { "description": "Added as a part of security scheme: apikey", "key": "Authorization", "value": "" } ], "url": { "raw": "{{baseUrl}}/v2/sepa/transfers", "host": [ "{{baseUrl}}" ], "path": [ "v2", "sepa", "transfers" ] } }, "status": "OK", "code": 200, "_postman_previewlanguage": "text", "header": [], "cookie": [], "responseTime": null, "body": null, "createdAt": "2026-07-28T02:42:29.000Z", "updatedAt": "2026-07-28T02:42:29.000Z", "uid": "35240-3e277ac9-9dad-4faa-962a-3e134dfcfc5a" } ], "createdAt": "2026-07-28T02:42:29.000Z", "updatedAt": "2026-07-28T02:42:29.000Z", "uid": "35240-e6204e57-aa63-41c0-9269-6d009745c19e" }, { "name": "Create a SEPA transfer", "id": "b2f7dc2f-53a8-4d9f-8377-7657fe17ca81", "protocolProfileBehavior": { "disableBodyPruning": true }, "request": { "method": "POST", "header": [ { "description": "Client-generated key to safely retry create requests without duplication.", "key": "X-Qonto-Idempotency-Key", "value": "" }, { "description": "Strong Customer Authentication (SCA) session token for sensitive operations.", "key": "X-Qonto-Sca-Session-Token", "value": "" }, { "description": "Multi-factor authentication challenge header for sensitive operations.", "key": "X-Qonto-MFA", "value": "" }, { "key": "Content-Type", "value": "application/json" } ], "body": { "mode": "raw", "raw": "{\n \"debit_iban\": \"\",\n \"amount\": \"\",\n \"currency\": \"EUR\",\n \"beneficiary_id\": \"\",\n \"reference\": \"\",\n \"instant\": false,\n \"scheduled_date\": \"\",\n \"attachment_ids\": [\n \"\",\n \"\"\n ]\n}", "options": { "raw": { "headerFamily": "json", "language": "json" } } }, "url": { "raw": "{{baseUrl}}/v2/sepa/transfers", "host": [ "{{baseUrl}}" ], "path": [ "v2", "sepa", "transfers" ] }, "description": "OAuth scope: payment.write. Creates a single SEPA credit transfer in EUR (standard or instant). Sensitive; requires Strong Customer Authentication (SCA) unless the beneficiary is trusted (Embed partners only)." }, "response": [ { "id": "a9c4190d-8379-4f0e-a4fa-bd7f7851b0ae", "name": "Transfer created", "originalRequest": { "method": "POST", "header": [ { "description": "Client-generated key to safely retry create requests without duplication.", "key": "X-Qonto-Idempotency-Key", "value": "" }, { "description": "Strong Customer Authentication (SCA) session token for sensitive operations.", "key": "X-Qonto-Sca-Session-Token", "value": "" }, { "description": "Multi-factor authentication challenge header for sensitive operations.", "key": "X-Qonto-MFA", "value": "" }, { "key": "Content-Type", "value": "application/json" }, { "description": "Added as a part of security scheme: apikey", "key": "Authorization", "value": "" } ], "body": { "mode": "raw", "raw": "{\n \"debit_iban\": \"\",\n \"amount\": \"\",\n \"currency\": \"EUR\",\n \"beneficiary_id\": \"\",\n \"reference\": \"\",\n \"instant\": false,\n \"scheduled_date\": \"\",\n \"attachment_ids\": [\n \"\",\n \"\"\n ]\n}", "options": { "raw": { "headerFamily": "json", "language": "json" } } }, "url": { "raw": "{{baseUrl}}/v2/sepa/transfers", "host": [ "{{baseUrl}}" ], "path": [ "v2", "sepa", "transfers" ] } }, "status": "Created", "code": 201, "_postman_previewlanguage": "text", "header": [], "cookie": [], "responseTime": null, "body": null, "createdAt": "2026-07-28T02:42:29.000Z", "updatedAt": "2026-07-28T02:42:29.000Z", "uid": "35240-a9c4190d-8379-4f0e-a4fa-bd7f7851b0ae" }, { "id": "9b65e1c6-000d-4489-a7b0-131092509fa6", "name": "Missing or invalid authentication", "originalRequest": { "method": "POST", "header": [ { "description": "Client-generated key to safely retry create requests without duplication.", "key": "X-Qonto-Idempotency-Key", "value": "" }, { "description": "Strong Customer Authentication (SCA) session token for sensitive operations.", "key": "X-Qonto-Sca-Session-Token", "value": "" }, { "description": "Multi-factor authentication challenge header for sensitive operations.", "key": "X-Qonto-MFA", "value": "" }, { "key": "Content-Type", "value": "application/json" }, { "description": "Added as a part of security scheme: apikey", "key": "Authorization", "value": "" } ], "body": { "mode": "raw", "raw": "{\n \"debit_iban\": \"\",\n \"amount\": \"\",\n \"currency\": \"EUR\",\n \"beneficiary_id\": \"\",\n \"reference\": \"\",\n \"instant\": false,\n \"scheduled_date\": \"\",\n \"attachment_ids\": [\n \"\",\n \"\"\n ]\n}", "options": { "raw": { "headerFamily": "json", "language": "json" } } }, "url": { "raw": "{{baseUrl}}/v2/sepa/transfers", "host": [ "{{baseUrl}}" ], "path": [ "v2", "sepa", "transfers" ] } }, "status": "Unauthorized", "code": 401, "_postman_previewlanguage": "text", "header": [], "cookie": [], "responseTime": null, "body": null, "createdAt": "2026-07-28T02:42:29.000Z", "updatedAt": "2026-07-28T02:42:29.000Z", "uid": "35240-9b65e1c6-000d-4489-a7b0-131092509fa6" }, { "id": "db36840e-15fd-4be2-8e56-f1ccde3c9566", "name": "Validation error (e.g. insufficient limits)", "originalRequest": { "method": "POST", "header": [ { "description": "Client-generated key to safely retry create requests without duplication.", "key": "X-Qonto-Idempotency-Key", "value": "" }, { "description": "Strong Customer Authentication (SCA) session token for sensitive operations.", "key": "X-Qonto-Sca-Session-Token", "value": "" }, { "description": "Multi-factor authentication challenge header for sensitive operations.", "key": "X-Qonto-MFA", "value": "" }, { "key": "Content-Type", "value": "application/json" }, { "description": "Added as a part of security scheme: apikey", "key": "Authorization", "value": "" } ], "body": { "mode": "raw", "raw": "{\n \"debit_iban\": \"\",\n \"amount\": \"\",\n \"currency\": \"EUR\",\n \"beneficiary_id\": \"\",\n \"reference\": \"\",\n \"instant\": false,\n \"scheduled_date\": \"\",\n \"attachment_ids\": [\n \"\",\n \"\"\n ]\n}", "options": { "raw": { "headerFamily": "json", "language": "json" } } }, "url": { "raw": "{{baseUrl}}/v2/sepa/transfers", "host": [ "{{baseUrl}}" ], "path": [ "v2", "sepa", "transfers" ] } }, "status": "Unprocessable Entity (WebDAV) (RFC 4918)", "code": 422, "_postman_previewlanguage": "text", "header": [], "cookie": [], "responseTime": null, "body": null, "createdAt": "2026-07-28T02:42:29.000Z", "updatedAt": "2026-07-28T02:42:29.000Z", "uid": "35240-db36840e-15fd-4be2-8e56-f1ccde3c9566" } ], "createdAt": "2026-07-28T02:42:29.000Z", "updatedAt": "2026-07-28T02:42:29.000Z", "uid": "35240-b2f7dc2f-53a8-4d9f-8377-7657fe17ca81" } ], "id": "09cbad95-828a-4db9-b0c6-5e11ef96b670", "createdAt": "2026-07-28T02:42:29.000Z", "updatedAt": "2026-07-28T02:42:29.000Z", "uid": "35240-09cbad95-828a-4db9-b0c6-5e11ef96b670" }, { "name": "bulk_transfers", "item": [ { "name": "Create a bulk SEPA transfer", "id": "3da7b518-06fd-4e07-94bd-954827068d3f", "protocolProfileBehavior": { "disableBodyPruning": true }, "request": { "method": "POST", "header": [ { "description": "Strong Customer Authentication (SCA) session token for sensitive operations.", "key": "X-Qonto-Sca-Session-Token", "value": "" } ], "url": { "raw": "{{baseUrl}}/v2/sepa/bulk_transfers", "host": [ "{{baseUrl}}" ], "path": [ "v2", "sepa", "bulk_transfers" ] }, "description": "OAuth scope: payment.write" }, "response": [ { "id": "2a65b375-2862-4d7d-85b5-ea1d14745fe9", "name": "Bulk transfer created", "originalRequest": { "method": "POST", "header": [ { "description": "Strong Customer Authentication (SCA) session token for sensitive operations.", "key": "X-Qonto-Sca-Session-Token", "value": "" }, { "description": "Added as a part of security scheme: apikey", "key": "Authorization", "value": "" } ], "url": { "raw": "{{baseUrl}}/v2/sepa/bulk_transfers", "host": [ "{{baseUrl}}" ], "path": [ "v2", "sepa", "bulk_transfers" ] } }, "status": "Created", "code": 201, "_postman_previewlanguage": "text", "header": [], "cookie": [], "responseTime": null, "body": null, "createdAt": "2026-07-28T02:42:29.000Z", "updatedAt": "2026-07-28T02:42:29.000Z", "uid": "35240-2a65b375-2862-4d7d-85b5-ea1d14745fe9" } ], "createdAt": "2026-07-28T02:42:29.000Z", "updatedAt": "2026-07-28T02:42:29.000Z", "uid": "35240-3da7b518-06fd-4e07-94bd-954827068d3f" } ], "id": "32644966-7db0-4f71-b7c8-479b44e48576", "createdAt": "2026-07-28T02:42:29.000Z", "updatedAt": "2026-07-28T02:42:29.000Z", "uid": "35240-32644966-7db0-4f71-b7c8-479b44e48576" } ], "id": "2c7809e7-8751-433d-a0f2-a259cee89fde", "createdAt": "2026-07-28T02:42:29.000Z", "updatedAt": "2026-07-28T02:42:29.000Z", "uid": "35240-2c7809e7-8751-433d-a0f2-a259cee89fde" }, { "name": "beneficiaries", "item": [ { "name": "List SEPA beneficiaries", "id": "b80c3a68-efb7-467b-8edc-545a7584dac6", "protocolProfileBehavior": { "disableBodyPruning": true }, "request": { "method": "GET", "header": [], "url": { "raw": "{{baseUrl}}/v2/beneficiaries", "host": [ "{{baseUrl}}" ], "path": [ "v2", "beneficiaries" ] }, "description": "OAuth scope: organization.read" }, "response": [ { "id": "c926e79d-7988-41f9-8934-1ae7a398659b", "name": "A list of SEPA beneficiaries", "originalRequest": { "method": "GET", "header": [ { "description": "Added as a part of security scheme: apikey", "key": "Authorization", "value": "" } ], "url": { "raw": "{{baseUrl}}/v2/beneficiaries", "host": [ "{{baseUrl}}" ], "path": [ "v2", "beneficiaries" ] } }, "status": "OK", "code": 200, "_postman_previewlanguage": "text", "header": [], "cookie": [], "responseTime": null, "body": null, "createdAt": "2026-07-28T02:42:29.000Z", "updatedAt": "2026-07-28T02:42:29.000Z", "uid": "35240-c926e79d-7988-41f9-8934-1ae7a398659b" } ], "createdAt": "2026-07-28T02:42:29.000Z", "updatedAt": "2026-07-28T02:42:29.000Z", "uid": "35240-b80c3a68-efb7-467b-8edc-545a7584dac6" } ], "id": "29f58fce-d8fc-4eb9-a133-fd865525a99a", "createdAt": "2026-07-28T02:42:29.000Z", "updatedAt": "2026-07-28T02:42:29.000Z", "uid": "35240-29f58fce-d8fc-4eb9-a133-fd865525a99a" } ], "id": "aa27478a-b4ea-4ae8-a43c-9cabbd93be40", "createdAt": "2026-07-28T02:42:29.000Z", "updatedAt": "2026-07-28T02:42:29.000Z", "uid": "35240-aa27478a-b4ea-4ae8-a43c-9cabbd93be40" } ], "auth": { "type": "apikey", "apikey": [ { "key": "key", "value": "Authorization", "type": "string" }, { "key": "value", "value": "{{apiKey}}", "type": "string" }, { "key": "in", "value": "header", "type": "string" } ] }, "variable": [ { "key": "baseUrl", "value": "https://thirdparty.qonto.com" } ] }