Two FinTech unicorns, Qonto, a leading European business finance platform for SMEs and freelancers, and Mollie, a financial service provider, have entered into a strategic partnership to deliver integrated financial services and tackle the region’s £275bn late payment challenge.
The partnership aims to simplify fragmented financial infrastructure by bringing together banking and payments into a single platform.
By doing so, Qonto and Mollie seek to alleviate cash flow issues and reduce the time businesses wait to get paid—an issue that affects nearly half of European businesses, according to the European Commission’s 2024 Annual Report.
Qonto is a business finance solution designed for SMEs and freelancers across Europe. It offers a full suite of digital banking services including invoicing, cards, team expense management, and local IBANs—all accessible through a streamlined, user-friendly platform.
Mollie is a FinTech provider specialising in payments, enabling merchants to accept a variety of payment methods with speed and transparency.
Its infrastructure is built for scalability and ease of use, supporting fast settlements and a wide array of payment options without hidden fees.
The collaboration launches in two parts. Firstly, Qonto customers in France, Germany, and the Netherlands now have access to ‘Payment Links’ powered by Mollie Connect.
This feature allows businesses to generate secure payment links, send them to clients, monitor payment status, and receive funds directly into their Qonto accounts. Benefits include seamless integration with invoicing, real-time tracking, automatic reconciliation, transparent pricing, and support for multiple payment methods.
Secondly, Mollie is integrating Qonto Embed, a white-label banking product, to offer banking services directly from its platform.
Mollie customers in France—and soon in Germany—will be able to open business accounts with features such as 24-hour terminal settlements, real-time financial insights, and support for cards, SEPA, Apple Pay, Google Pay, and more.
Qonto Embed enables sub-account creation, spending controls, and starts at competitive pricing from €9 per month.
The partnership allows both firms to strengthen their positions in Europe’s FinTech ecosystem by offering SMEs a consolidated, efficient, and scalable financial experience.
“This partnership with Mollie marks a milestone in our mission to simplify finance management for European businesses,” says Qonto CEO and Co-Founder Alexandre Prot. “By combining our expertise in business banking and finance management with Mollie’s advanced payment capabilities, we’re addressing the unique needs of European businesses, from accepting card payments to managing their finances seamlessly in one single place. Our collaboration is more than just a strategic partnership. Together, we’re uniting our strengths to build fintech champions that can compete on a global level.”
“This partnership is a game-changer for SMEs seeking fast, seamless, and fully integrated financial services. By combining banking and payments in a single platform, we empower businesses to streamline financial management, boost efficiency, and free up capacity for strategic growth,” says Mollie CEO Koen Köppen.
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