How can I order a payment terminal (POS) with Qonto?

Accept payments from your customers wherever you are 🚀 with Qonto's payment terminal, which integrates directly with your Qonto account. Each terminal comes pre-configured for your account and is ready to use as soon as it is charged and powered on. The payment terminal is available on all Qonto plans — Owners and Admins can place an order, and multiple terminals can be ordered if needed. Orders are placed directly from your Qonto account on 💻 web or 📱 mobile.

What are the options and costs for Qonto's payment terminal?

Two terminal models are available:

• Pocket Terminal — €99 (excl. VAT): Built-in 3G/4G and Wi-Fi connectivity. Customer receipts are sent by SMS.
• Pro Terminal — €199 (excl. VAT): Built-in 4G and Wi-Fi connectivity, plus an integrated receipt printer for printed receipts.

Both models share the same features:

• Pre-configured with your Qonto account
• Next business day settlement (D+1)
• Automatic reconciliation on Qonto
• Payment methods accepted: contactless and physical Visa and Mastercard, Apple Pay, Google Pay, and Swile restaurant cards
• Delivery within 1–3 business days on average

Transaction fees depend on the type of card used:

• 0.7% for all EU consumer cards, regardless of your plan
• 2.6% for non-EU consumer cards and all corporate/business cards, regardless of your plan

💡 The minimum fee per transaction is €0.01. For transactions lower than €1.25, this represents a fee higher than 0.7%. Your first 5 transactions are free (Tap to Pay and POS combined) — starting with a €1 test transaction is recommended.

⚠️ Pre-authorizations and payments in installments (e.g. security deposits, split payments) are not available with Qonto POS. American Express cards are not accepted.

How do I order my payment terminal?

You can place your order directly from your Qonto account, from 💻 web or 📱 mobile.

From 💻 web:

1. Go to Business Account > Payment terminals > Order a Payment Terminal
2. Select the terminal model you want
3. Enter your delivery information
4. Review your order and accept the terms and conditions
5. Confirm your order — a confirmation email will be sent to you, followed by a tracking email from our delivery partner, Geodis

From 📱 mobile:

1. Tap Menu in the bottom-right corner of the screen
2. Tap Payment terminals
3. Tap Order a Payment Terminal
4. Select your preferred terminal model
5. Enter your delivery information
6. Review your order and accept the terms and conditions
7. Confirm your order — a confirmation email will be sent to you, followed by a tracking email from our delivery partner, Geodis

💡 No invoice is sent with the payment terminal — you can find it in your monthly billing at the end of each month.

If you cannot see the Order payment terminal button on your desktop, your account may not be eligible. Contact our support team so we can check on our end.

☝️ The terminal is standalone and automatically synced with the Qonto account it was initially linked to. It is not possible to link it to another Qonto account or sub-account, connect it to an external cash register or POS system, or change its settings to switch to a different account.

How do transactions and settlements work?

Funds are settled the next business day (D+1) via a single transfer combining all transactions, with detailed transaction information included.

To process a payment:

• 📱 Mobile: Use the shortcut Tap to Pay or go to Business Account > Tap to Pay
• 💻 Web: Go to Business Account > Tap to Pay

To view your pending and completed payments:

• 💻 Web: Go to Business Account > Payment terminals
• 📱 Mobile: Go to Menu > Payment terminals

You can also view payment history directly on the terminal:

1. Tap the menu icon in the top-right corner of the terminal screen
2. Select Payment History
3. Select a payment from the list to view its details

⚠️ The payment history displayed on the terminal is specific to that device. If you use multiple terminals or both contactless payments and payment terminals, the full transaction history is always available in the Payment Terminals section of the web and mobile apps.

How do I refund a transaction?

You can issue a refund from the payment terminal, the web app, or the mobile app. Your customer receives the refund the next business day, and the action can be performed remotely — the customer does not need to be physically present.

From the payment terminal

1. Tap Menu in the top-right corner
2. Select Payments list
3. Tap the payment you want to refund
4. Tap Refund payment
5. Enter the 4-digit PIN (sent by email to the Owner and Admin who ordered the terminal — contact our support team to reset a forgotten PIN)

From 💻 web

1. Go to Business Account > Payment terminals and select the transaction to refund
2. Click Refund Payment — this action is irreversible once confirmed

From 📱 mobile

1. Go to Menu > Payment terminals and select the transaction to refund
2. Tap Refund Payment — this action cannot be canceled once validated

What other features does my payment terminal include?

Tipping

The tipping feature allows you to collect tips from customers at the point of sale. It is disabled by default and can only be activated from the terminal itself — not from the web or mobile app.

To activate tipping:

1. Tap Options in the top-right corner of your main POS screen
2. Scroll down to the Tipping section
3. Select the option to activate tipping
4. Enter your PIN code (received by email after your order — contact our support team to reset a forgotten PIN)

Once activated, tipping is enabled across all terminals connected to your organization. When a payment amount is entered, the terminal shows a tipping screen to your customer with the following options: 5%, 10%, 15%, or a custom amount. The selected tip is added to the total and the payment is processed as usual. Your daily PDF summary includes the tip amount for each transaction.

Product and service catalogue

The product and service catalogue lets you create a list of items in Qonto and select them at the time of payment, from your POS terminal or Tap to Pay app — no more manually entering prices for every transaction. This feature is available on both Tap to Pay and Qonto POS terminals.

Only Owners and Admins can create and manage the catalogue. To set it up:

• 💻 Web: Go to Business Account > Payment terminals > Manage products and services — add items one by one (name + price) or import them in bulk via a file.
• 📱 Mobile: Go to Payment terminals > Manage products and services — create or edit items directly from your smartphone.

At checkout, tap the Items tab at the top of your terminal or Tap to Pay screen. You can:

• Browse and select items from your catalogue
• Add multiple items to a basket and adjust quantities
• Combine catalogue items with a manually entered amount in a single transaction
• Resume a basket if a payment fails, without having to recreate it

The catalogue is shared with Qonto's existing Products and services feature used for invoicing. Items already created for your invoices are immediately available on your terminals, with no additional setup required. Items added for the terminal are also available when creating invoices, accessible from Invoices > Products and services or Business Account > Payment terminals > Manage products and services.

On POS terminals, Owners, Admins, Managers, and Employees can all use the catalogue at checkout. On the mobile app (Tap to Pay), only Owners and Admins can access the catalogue — Managers and Employees will see an empty screen in that section.

☝️ The receipt does not display a product-by-product breakdown of catalogue items. Automatic VAT management and product-level accounting exports are not available — the product catalogue is not an accounting or VAT tool.

Are there any restrictions on who can use Qonto's payment terminal?

Only Owners and Admins can place an order for a payment terminal. Additionally, some business activities are not eligible due to legal, regulatory, and risk-related requirements from our payment partner.

Prohibited activities include, but are not limited to:

• Sales of regulated or banned substances (e.g. tobacco, CBD, vaping products, or alcohol without proper licensing)
• Adult entertainment and services (e.g. massage parlors, strip clubs, escort services, adult content sales)
• Unregulated or high-risk health and wellness services (e.g. aesthetic treatments without medical certification, IV therapy, unauthorized supplements)
• Cash-intensive businesses or those subject to stricter regulatory oversight
• Gambling, betting, or lottery-related activities (including fantasy sports or games of skill with prizes)
• Crypto, forex, and other high-risk financial services (e.g. crypto exchanges, forex trading, payday loans)
• Resale of mobile phones, electronics, or counterfeit goods

If you are not eligible for a payment terminal, you can check our other terminal offers or use our payment links.

Not eligible? You can request a manual review directly from the Payment terminals section in your app — tap "I'm interested". Our team will assess your situation and send an activation email if you qualify. Please note that eligibility is not guaranteed.

How do I accept Swile card payments or add a new establishment?

To accept Swile restaurant card payments on your terminal, you must first have accreditation from the Commission Nationale des Titres-Restaurant (CNTR).

If you do not yet have CNTR accreditation:

1. Find out about the accreditation procedure by consulting the dedicated accreditation help pages.
2. Once your CNTR accreditation is obtained, join Swile at: https://affiliates.swile.co/join

If you already have CNTR accreditation:

1. Join Swile directly or add a new establishment from your Swile account at: https://affiliates.swile.co/join

You can also consult this Swile FAQ article for more information.

Where can I get my payment terminal delivered?