Sanso + Qonto: Sync Your Bank Transactions

Qonto Runs Your Business Account. But Reconciliation Is Still on You

Qonto has become the go-to business account for many French small businesses, and it's easy to see why. You open an account in minutes, hand out cards to the whole team, and manage your transfers, expense reports, spending categories, and accounting exports. Your money and your transactions live in one place, in an interface that doesn't drown you. If you picked Qonto, you picked well. And a well-designed Qonto integration can make it even more useful day to day.

Still, Qonto is a bank. It shows you your transactions, lets you attach a receipt and stick a label on them. What it doesn't do is everything that happens around each transaction. Finding the purchase or sales invoice that matches that exact transfer. Checking you're not paying the same supplier twice. Knowing, in real time, which clients have paid and which are dragging their feet. Then pushing all of it cleanly into your accounting tool. That reconciliation still gets done by hand, line by line, usually at month-end when time is short.

I'm Amalia Bercot, co-founder and CEO of Sanso. That missing link is exactly what we take care of. Sanso is an AI-powered finance management service: our Qonto integration syncs your banking activity and matches every transaction with the right invoice, continuously, without you checking off a single line.

What Sanso Adds to Your Qonto Integration

Sanso isn't yet another tool to learn, and it doesn't replace Qonto. It's a service that works from your Qonto data, on your behalf. The service relies on AI to get through the work: it reads your Qonto transaction feed, finds the matching invoice for each one, updates the statuses in your accounting, and even handles the messy cases that standard automatic reconciliation prefers to ignore.

The logic is simple. Qonto gives you the account and the banking feed; Sanso takes over reconciliation and synchronization. Standard automatic reconciliation stalls as soon as an amount is off by a single dollar, or a transfer label doesn't look like the invoice name. Sanso's AI, on the other hand, understands it's the same payment despite a currency conversion, a label that has nothing in common with the invoice, or a few days' gap between the invoice date and the transaction date.

And everything the AI processes stays visible where you already look: your transactions in Qonto, your invoices in your accounting tool. Nothing is hidden, nothing lives in a parallel interface you'd have to learn.

How Sanso and Qonto Work Together

Real-Time Bank Reconciliation

For every transaction on your Qonto account, Sanso's AI finds the matching purchase or sales invoice and updates the status in your accounting tool. It doesn't stop at the obvious cases. It catches the gaps caused by currency conversion, transaction labels that don't match the invoice wording, and the few days' lag between issuing an invoice and getting paid. Where standard automatic reconciliation gives up and files the item under "handle manually," Sanso makes the connection. The result: you know at any moment what's paid and what's still due, without checking your Qonto statements by hand.

Syncing Your Qonto Transactions with Your Accounting

Your Qonto transactions and your invoices should tell the same story. Sanso's AI takes care of it continuously: every incoming or outgoing transfer is linked to its supporting document, categorized according to your cost-accounting structure, and pushed to the right place in Pennylane, Tiime, Axonaut, or Xero. No more two-handed reconciliation, the bank on one side and the accounting on the other. The two stay aligned on their own.

Capturing the Invoice Behind Every Qonto Payment

A Qonto payment isn't worth much without its invoice next to it. Yet for many expenses, the receipt is still sitting in an inbox or on a supplier portal. Sanso's AI goes and gets it for you: it reads your emails, sorts real invoices from quotes and greeting cards, and discards duplicates. And when a document only exists on a portal (OpenAI, Amazon, your energy provider, a SaaS tool), an AI agent logs in and downloads it. Every Qonto transaction ends up backed by its document, ready to be reconciled.

Breaking Down Marketplace Payouts Received on Qonto

If you sell on marketplaces, you know the problem: your Qonto account receives bulk transfers that bundle hundreds of orders, refunds, and commissions into a single transaction. Reconciling that by hand, cleanly, is mission impossible. Sanso's AI breaks down each payout and ties every line to the matching individual entries in your accounting, with an automatic reconciliation rate that hovers around 96%. The few gaps that remain, our operators dig into and resolve, for full compliance.

Client Invoicing and Payment Tracking

On the sales side, the AI creates and sends your client invoices at the right time, then tracks their payment through real-time Qonto reconciliation. As soon as a client transfer hits the account, the invoice flips to "paid." And when a client is slow to pay, Sanso handles collections end to end: personalized follow-ups by email, text, or phone, and dispute handling until the money comes in. A far cry from the single automated email that stops at the first objection.

Who This Qonto Integration Is For

• Owners of SMBs with 5 to 50 employees who bank with Qonto but still spend hours, or have someone else spend them, reconciling transactions at month-end.
• Companies hesitating to hire a dedicated finance person: the volume doesn't justify a full-time role, but reconciliation and payment tracking overflow anyway.
• Office managers and CFOs juggling ten projects at once who don't have time to check every Qonto transaction against every invoice.
• Resellers and e-commerce sellers whose Qonto account receives those infamous marketplace transfers that have to be split into hundreds of entries before reaching the books.
• Businesses with demanding cost accounting (consulting agencies, construction, startups) that want every Qonto expense tied to the right project, with no data entry.

What Changes for You

• Before: You check off Qonto transactions one by one against your invoices at month-end. After: The AI reconciles every transaction in real time, continuously.
• Before: A transfer without a receipt sends you digging through your inbox. After: The AI finds the invoice and attaches it to the transaction on its own.
• Before: Marketplace payouts landing on Qonto are a puzzle you can't take apart. After: Every transfer gets broken down and reconciled automatically.
• Before: You find out late that a client hasn't paid. After: The moment a payment lands on Qonto the status updates, and overdue invoices get followed up.
• Before: Your bank and your accounting tell two different stories. After: They stay in sync permanently.

Connect Qonto to Sanso

You keep Qonto. You keep your habits. Sanso simply adds the service that gets through the work around your account using AI: it matches every transaction with the right invoice, syncs your activity with your accounting, breaks down your marketplace payouts, and tracks your incoming payments, with zero data entry on your part. Onboarding takes a few days and disrupts nothing.

Book a call to see concretely how Sanso's Qonto integration can keep your bank reconciliation up to date, in real time, without you having to think about it.