With Qonto's mobile payment terminal, accept payments from your customers wherever you are. You benefit from highly competitive transaction fees and receive your funds within 1 business day.
Orders are exclusively placed through the Qonto web platform. Easy manage your finances with direct integration within your Qonto account.
Each terminal comes pre-configured for your account, requiring only charging and powering on to start accepting payments. You can check this page if you want to know how to turn it on, charge it, etc.
You can order multiple terminals regardless of your subscription plan.
What are the terminal options and costs?
Two models are available:
- The Pocket Terminal at €149 (excl. VAT)
- The Pro Terminal at €349 (excl. VAT) that includes a receipt printer, while both models can send digital receipts via SMS.
| Terminal pocket | Terminal Pro | |
| Transaction fees (EU consumer cards) | Premium & Enterprise: 0.8% per transaction Other plans: 1.2% per transaction |
Premium & Enterprise: 0.8% per transaction Other plans: 1.2% per transaction |
| Transaction fees (Non-EU consumer & all corporate/business cards) | All plans: 2.6% per transaction | All plans: 2.6% per transaction |
| Next business day settlement | ✅ | ✅ |
| Automatic reconciliation on Qonto | ✅ | ✅ |
| Payment methods accepted | Contactless & physical cards (only Visa and Mastercard) + Google pay |
Contactless & physical cards (only Visa and Mastercard) + Google pay |
| Hardware required | Dedicated terminal Built-in 3G/4G and WiFi connectivity |
Dedicated terminal Built-in 4G and WiFi connectivity |
| Customer receipts | SMS | SMS or printed receipts |
| Setup | Pre-configured with your Qonto account. | Pre-configured with your Qonto account. |
| Delivery | 1-3 business days on average | 1-3 business days on average |
What are the payment capabilities and fees?
Terminals accept Visa and Mastercard (no American Express) with a €100,000 transaction limit.
Fees vary by plan:
- 1,2% for Solo Basic, Smart plan, and Team Essential and Business plan
- 0.8% for Solo Premium and Team Enterprise plan
- 2.6% for non-EU cards
Your first 5 transactions are free regardless of amount - it's recommended to start with a €1 test transaction.
⚠️ Pre-authorizations or payment in installments are not possible with Qonto POS (for security deposit, split payments for example).
How do transactions and settlements work?
📱 Process payments through the shortcut > Tap to Pay or Business account > Tap to Pay.
🖥️ Navigate to the section Business account > Click on Tap to Pay.
Funds are settled the next business day (D+1) via a single transfer combining all transactions, with detailed transaction information included.
Refunds can be processed directly in the app by selecting the specific transaction.
Are there any restrictions on who can use Qonto’s POS?
Yes. To comply with legal, regulatory, and risk-related requirements from our payment partner, some business activities are not eligible to use Qonto’s POS.
Prohibited activities include, but are not limited to:
- Sales of regulated or banned substances (e.g. tobacco, CBD, vaping products, pharmaceuticals, 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 can access the in-person payment menu and/or terminal ordering flow in your Qonto app, your business is eligible. If not, it likely means your activity is restricted.
If you cannot order our own POS, you can still try to order another POS, you can check our offers here.
Need help? Contact us and we’ll gladly check your eligibility.
What are the delivery delays ?
Terminals are delivered within 1-5 business days through our dedicated delivery service partner and if you are facing technical issues, it will be handled by Qonto support, who can arrange for replacement if needed.