Mercury to QontoTreasury teams running Mercury and Qonto in parallel see one reconciliation state, not two: matched flags mirror between accounts and FX deltas land on their own ledger line.
The Mercury integration connects your startup banking to Well via MCP, pulling transactions, balances, and counterparty data into your workspace.
The Qonto connection is Qonto's MCP server, approved over Dynamic Client Registration, and it carries offline_access, organization.
Mercury runs on US banking rails in USD and Qonto runs on EU rails in EUR.
The two sides sit on opposite ends of a cross-border money flow. Connecting Mercury to Qonto through Well matches Mercury outbound wires to Qonto inbound transfers with the FX rate stamped on the booking date, the counterparty resolved on both sides, and the original payment reference preserved on the audit trail.
When a transaction reconciles cleanly in Mercury, Well mirrors the matched flag and supporting documents onto the related Qonto record. Treasury teams running two accounts in parallel see the same reconciliation state without re-running the match per account.
Outbound debits from Mercury that match inbound credits in Qonto on amount, date, and counterparty are recognised as inter-account transfers and tagged accordingly. The transfer never accidentally reads as revenue on one side or expense on the other in the downstream accounting feed.
When Mercury debits one currency and Qonto credits another, Well snaps the FX rate at the timestamp of the transfer, tags the FX gain or loss on the Qonto ledger line, and keeps both the source and destination amounts on the matching pair so audit can recompute the conversion from primary data.
Deposits sitting unconfirmed in Qonto for longer than the expected settlement window are checked against Mercury outbound payments. Matches flip the Qonto record to settled; mismatches surface in a review queue with the candidate Mercury debit alongside so treasury can chase the right counterparty.
Pulls from the Mercury transactions API. Triggers on every debit or credit posting in a Mercury account. Pushed to Qonto's supplier-invoices via the /v2/supplier_invoices/bulk endpoint over OAuth.
Pulls from the Mercury transactions API. Tracks outbound wires with beneficiary detail and instruction. Pushed to Qonto's supplier-invoices via the /v2/supplier_invoices/bulk endpoint over OAuth.
Pulls from the Mercury transactions API. Picks up cleared ACH credits and debits with the company id reference. Pushed to Qonto's supplier-invoices via the /v2/supplier_invoices/bulk endpoint over OAuth.
Pulls from the Mercury transactions API. Resolves the account and routing numbers from the Mercury account so a payment instrument can be matched. Pushed to Qonto's supplier-invoices via the /v2/supplier_invoices/bulk endpoint over OAuth.
Pulls from the Mercury transactions API. Captures debit card transactions with merchant and MCC code. Pushed to Qonto's supplier-invoices via the /v2/supplier_invoices/bulk endpoint over OAuth.
Pulls from the Mercury transactions API. Tracks check deposits with the payer, amount, and clearing date. Pushed to Qonto's supplier-invoices via the /v2/supplier_invoices/bulk endpoint over OAuth.
Pulls from the Mercury transactions API. Pulls each Mercury account the workspace holds with its balance, currency, and routing details. Pushed to Qonto's supplier-invoices via the /v2/supplier_invoices/bulk endpoint over OAuth.
Pulls from the Mercury transactions API. Captures incoming wires with originator, reference, and value date. Pushed to Qonto's supplier-invoices via the /v2/supplier_invoices/bulk endpoint over OAuth.
Driven by Mercury transaction events. Well POSTs the supplier invoice PDF to Qonto's /v2/supplier_invoices/bulk endpoint via OAuth so the invoice appears under your Qonto supplier invoices.
5 fields flow from Mercury into Qonto.
| Mercury field | Label | Qonto field | Label | |
|---|---|---|---|---|
| transaction.amount | Amount | amount | Amount | |
| transaction.currency | Currency | currency | Currency | |
| transaction.posted_at | Posted date | emitted_at | Booking date | |
| transaction.bank_description | Description | label | Label | |
| transaction.id | Transaction id | transaction_id | Transaction id |
1Click Connect with Mercury; Mercury's MCP server handles authorisation through Dynamic Client Registration. Mercury's MCP server registers a read-scoped Well client through DCR; no credential paste, no shared secret.
Well discovers Mercury's transactions, wires, ACH transfers, card payments, and counterparty records and the the Qonto supplier-invoices section. Inter-account transfers and FX deltas are matched across both statements; treasury sees one reconciliation state instead of two competing accounts.
3Click Connect with Qonto; Well's OAuth proxy handles Qonto authorisation through Dynamic Client Registration. Qonto's MCP server registers a write-scoped Well client through DCR; no credential paste, no shared secret.
Each one answers a question from the data this pair brings in. The required ones return nothing until a source like it is connected.
Needs a source like these
Know how many months of cash you have at your current burn, with both sides of the division shown.
Know how much cash you hold right now, with the accounts counted and the ones left out both stated.
See where your company's money actually goes, no spreadsheets required.
Get a prioritized list of who to chase for payment, with their contact info and a message already drafted.
Find out what each customer is worth over its whole life, ranked from the most valuable down.
Everything you know about one company, in one view.
Find what payment settled an invoice, or catch every payment that never got one.
Find the bills with no paperwork attached, before an auditor does.
Know what you spend in an average month over a window you can see, with the months that carried no spend counted.
Know what you can count on earning each month, averaged over real months.
See the settled month-end cash series and where the line goes from the last complete month.
See how the month moved from opening cash to closing cash, with whatever does not reconcile named as its own step.
See which suppliers owe you paperwork, before your accountant asks.
Put a name on every settled expense that still has no invoice.
Walk the whole month-end sweep in one prompt.
Drive the month-end close from open to sent to your accounting tool.
Close the category gaps behind your spend before you close a month.
The board numbers in one pass, each with its scope and its window stated.
See which suppliers you pay on a schedule, what each costs a month, and how that spend moved.
Cancel a subscription, ask for a better price or contest a double debit, with your bank's facts in the email.
Get page 1 of your 1120 back as a PDF with your own book figures already in the boxes, and a list of every box left for your preparer.
Get one 1099-NEC per contractor back as a PDF with your own posted figures already in box 1, and the list of payees you cannot file for yet.
See what in a month has not reached the ledger, and which pile each item sits in.
Check that your bank and your books match, and re-run what missed rows.
See the net VAT your posted ledger shows for a quarter and which invoices to fix first.
Read your profit and loss or balance sheet straight from QuickBooks or Xero.
Answers better with these connected
See who owes you money, and how long they have been sitting on it.
See what you owe and when, ordered by due date with a running total.
See how much of your cash and receivables sit outside your reporting currency.
See exactly which agents would run, before any of them does.
Turn mixed currencies into one number you can actually audit.
See what you owe your suppliers, and how long each bill has been past due.
The measures you name, arranged on one board that stores the question rather than the answer.
See which customers your revenue came from in a period, ranked, with the part you could not place named.
See what you paid each supplier over a year, ranked, with the invoices that could not be placed counted beside the total.
Claim a refund or a compensation with the evidence in hand, and know what to say when you call.
Find the supplier refunds and VAT credits your company is still owed, with the evidence for each.
Read a month of payslips, or each of several months, and state, per person, gross pay plus the employee deductions and the employer charges the payslip printed, then list the payroll related bills paid from the bank that no payslip carries.
For each supplier that looks like a freelancer, read the purchase invoices, the payment rail and any contract Well holds, and state the facts a requalification question turns on, next to the papers your country expects you to keep.
Uses them when they are there
Connects and checks them
See what is connected, what is syncing, and what is missing.
Connect your AI apps and your tools, then see your business as one context graph.
Get the bank feed in, and confirm it is really live.
The companies you deal with that carry no tax identifier, listed before year end.
Well connects to Mercury through its MCP server, which issues short-lived access tokens via Dynamic Client Registration. Well never holds a long-lived Mercury secret; the server refreshes its own tokens on each session. Anything Well holds between Mercury and Qonto is encrypted at rest and handled in line with GDPR.
Read Mercury records
Scoped to transactions, wires, ACH transfers, card payments, and related records. No access to anything else in your Mercury account.
Post approved records to Qonto
Over Qonto's API, scoped to supplier invoice PDFs pushed via OAuth to /v2/supplier_invoices you have approved (case-by-case or via a per-rule auto-post threshold).
Modify or delete Mercury records
Not granted. Mercury is read-only on Well's side; the source of truth never moves.
Read other workspaces' data
Not granted. A session resolves only to the workspaces your account belongs to, and Well checks that membership before it returns any record.
Connect both sides. Cross-currency transfers reconcile on both ledgers.
Other ways to connect Mercury or Qonto through Well.
Mercury
See the Mercury connector
Qonto
See the Qonto connector
Mercury → Pennylane
Reconcile Mercury USD transactions inside Well, then forward…
Mercury → Xero
Match Mercury wires, ACH, and card transactions to invoices…
Stripe → Qonto
Reconcile Stripe payouts against Qonto bank deposits. Well d…
iBanFirst
See the iBanFirst connector
Plaid
See the Plaid connector
Wise
See the Wise connector
