QontoMelioQonto to Melio
AvailableNative · QontoNative · Melio

Forward Qonto supplier invoices into Melio

A Qonto debit links to the matching context inside Well the moment it clears; the bill arrives in Melio reflecting the real state, including manual transfers reconciled retroactively.

Connect both toolsView all integrations

About Qonto and Melio

Qonto
Qonto
Source

The Qonto connection is Qonto's MCP server, approved over Dynamic Client Registration, and it carries offline_access, organization.

Melio
Melio
Target

The Melio connection delivers extracted bills into Melio through its Pay Bills email address.

Why this pair

Supplier invoices arrive in Qonto as a PDF and a line, and getting them into Melio usually means a person downloading and re-keying each one.

Well reads the supplier invoices and their attachments from Qonto, resolves the supplier behind each invoice, and forwards the document to your Melio email-in address with the supplier already matched. The invoice that lands carries a verified supplier and its original PDF, so your team is not re-typing the same vendor or chasing a missing attachment.

What Well does between Qonto and Melio

  • One-way: Qonto into Well into Melio
  • Sync mode: Polling every 60 minutes
  • Up to 24 syncs/day
Qonto
Trigger from Qonto
3 events · pick one
Well engine·recipe·When a supplier invoice is uploaded to Qonto
Source
from upload · hourly poll
Vercel Sarl
via Qonto
Supplier invoice
When a supplier invoice is uploaded to Qonto
INV-2026-04-100 · 22 Apr 2026€1,284.00
Extract
6 fields read from Qonto
6 fields read
  • VendorVercel Sarl
  • Invoice numberINV-2026-04-100
  • Issue date22 Apr 2026
  • Total€1,284.00
  • Tax€256.80
Enrich
against your historical record graph
5 fields added
  • Legal entityVercel Sarl
  • Tax idFR67898212340
  • Domainvercel.com
  • Ledger account6156 · Hosting
Confidence97%
<55% refused55–85% review≥85% auto-posts
Post
schedule as bills
Create a bill in your Melio inbox
auto-posted
posted
  • TypeBill
  • VendorVercel Sarl
  • Amount€1,284.00
  • Ledger6156 · Hosting
  • Source docattached
  • Confidence97%
audit linkto Melio
Melio
Action in Melio
1 compatible with this trigger
Create a bill in your Melio inbox

Match Qonto debits to Melio scheduled payments.

01Featured

Forward a supplier invoice with its PDF

Well reads the supplier invoice and its attachment from Qonto and forwards the document to Melio's email-in address, so the original PDF lands with the invoice.

02

Resolve the supplier before it arrives

Well matches the supplier on a Qonto invoice against your prior history and carries the resolved company onto the document forwarded to Melio.

03

Collapse duplicate suppliers

Two supplier names that resolve to one company are treated as the same business inside Well before the forward, so Melio does not accumulate near-duplicates.

04

Keep the source invoice attached

The Qonto supplier invoice Well read stays linked to the document sent to Melio, so the audit trail traces each bill back to the invoice it came from.

9 signals and actions across Qonto and Melio

  • New bank account connected in Qonto

    Pulls from the Qonto banking API. When a new business account appears on your Qonto organization, Well starts tracking its activity in your workspace.

    Trigger·Account

  • New transaction posted to Qonto account

    Pulls from the Qonto banking API. Well pulls transaction details directly from your Qonto account when a new entry is posted.

    Trigger·Transaction

  • Business account balance updated

    Pulls from the Qonto banking API. Well monitors changes in your Qonto business accounts to keep balances synchronized.

    Trigger·Account

  • When a supplier invoice is uploaded to Qonto

    Pulls from the Qonto banking API. Detects supplier invoices uploaded into the Qonto invoicing inbox.

    Trigger·Invoice

  • When a Qonto supplier invoice is updated

    Pulls from the Qonto banking API. Picks up any update to a Qonto supplier invoice the next time Well checks for updates.

    Trigger·Invoice

  • Attach the bill PDF to the Melio record

    Driven by Qonto bank transactions and supplier invoices. The forwarded PDF is stored on the bill in your Melio inbox.

    Action·Document

  • Resolve a Melio vendor from the bill

    Driven by Qonto bank transactions and supplier invoices. Melio's OCR resolves the vendor name from the PDF; banking details for the payment route are set up separately.

    Action·Company

  • Park the Melio bill in the Bills Inbox for payment scheduling

    Driven by Qonto bank transactions and supplier invoices. The created bill waits in your Melio Bills Inbox until you pick a pay date, choose a funding source (bank transfer or card), and set how the vendor gets paid (ACH deposit or mailed check). Well never sets a pay date, chooses funding, or sends the payment.

    Action·Invoice

  • Create a bill in your Melio inbox

    Driven by Qonto bank transactions and supplier invoices. Well forwards the PDF to your @invoicesmelio.com address; Melio's Smart Bill Capture lifts the vendor, amount, and due date into a Bills Inbox entry that waits for you to schedule a payment date and funding method.

    Action·Invoice
Reference
Field mapping for Qonto → Melio
9 fields across 2 record types, open to see the full table.

Transaction fields

5 fields flow from Qonto into Melio.

Qonto fieldMelio field
transaction.amountamount
transaction.currencycurrency
transaction.emitted_atscheduled_for
transaction.labelreference
transaction.transaction_idpayment_id

Invoice fields

4 fields flow from Qonto into Melio.

Qonto fieldMelio field
supplier_invoice.invoice_numberbill_number
supplier_invoice.due_datedue_date
supplier_invoice.total_amount.currencycurrency
supplier_invoice.attachment_idbill_id

Connect Qonto and Melio in three steps.

  1. Qonto1

    Connect Qonto

    Click Connect with Qonto; Well's OAuth proxy handles Qonto authorisation through Dynamic Client Registration. Qonto's MCP server registers a read-scoped Well client through DCR; no credential paste, no shared secret.

    • AuthOAuth 2.0
  2. 2

    Map your accounts

    Well discovers Qonto's your organization, its bank accounts and balances, transactions, and supplier invoices with their attachments and the the Melio Bills Inbox awaiting payment scheduling. The first batch of bank lines flows into the review queue alongside candidate scheduled payments; once you confirm the rule, Qonto debits auto-link above 85% confidence.

    • Auto-post above85% confidence
    • Overridemanual anytime
  3. Melio3

    Connect Melio

    In Melio, open Settings > Integrations and generate an API token with payment-write scope. Paste the key into Well; Melio's discovery endpoints are reached over TLS 1.3 and the secret is never echoed in the UI.

    • AuthConnect
    • First sync~10 min

46 agent skills run on Qonto and Melio.

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

Runway

Know how many months of cash you have at your current burn, with both sides of the division shown.

Cash position

Know how much cash you hold right now, with the accounts counted and the ones left out both stated.

Cost structure

See where your company's money actually goes, no spreadsheets required.

Chase late invoices

Get a prioritized list of who to chase for payment, with their contact info and a message already drafted.

Rank clients by LTV

Find out what each customer is worth over its whole life, ranked from the most valuable down.

Company profile

Everything you know about one company, in one view.

Payment and invoice lookup

Find what payment settled an invoice, or catch every payment that never got one.

Missing receipts

Find the bills with no paperwork attached, before an auditor does.

Burn rate

Know what you spend in an average month over a window you can see, with the months that carried no spend counted.

Recurring revenue

Know what you can count on earning each month, averaged over real months.

Cash forecast

See the settled month-end cash series and where the line goes from the last complete month.

Cash flow bridge

See how the month moved from opening cash to closing cash, with whatever does not reconcile named as its own step.

Missing supplier invoices

See which suppliers owe you paperwork, before your accountant asks.

Assign missing invoices

Put a name on every settled expense that still has no invoice.

Missing invoice sweep

Walk the whole month-end sweep in one prompt.

Close the books

Drive the month-end close from open to sent to your accounting tool.

Categorize your suppliers

Close the category gaps behind your spend before you close a month.

Board pack

The board numbers in one pass, each with its scope and its window stated.

Subscription spend

See which suppliers you pay on a schedule, what each costs a month, and how that spend moved.

Subscription actions

Cancel a subscription, ask for a better price or contest a double debit, with your bank's facts in the email.

Prefill Form 1120

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.

Prefill Form 1099-NEC

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.

Unposted and blocked

See what in a month has not reached the ledger, and which pile each item sits in.

Check bank and books

Check that your bank and your books match, and re-run what missed rows.

VAT radar

See the net VAT your posted ledger shows for a quarter and which invoices to fix first.

Accounting reports

Read your profit and loss or balance sheet straight from QuickBooks or Xero.

Answers better with these connected

Receivables aging

See who owes you money, and how long they have been sitting on it.

Bills due

See what you owe and when, ordered by due date with a running total.

FX exposure

See how much of your cash and receivables sit outside your reporting currency.

Invoice fetching agents

See exactly which agents would run, before any of them does.

Convert currencies

Turn mixed currencies into one number you can actually audit.

Payables aging

See what you owe your suppliers, and how long each bill has been past due.

Compose a board

The measures you name, arranged on one board that stores the question rather than the answer.

Revenue by customer

See which customers your revenue came from in a period, ranked, with the part you could not place named.

Supplier spend register

See what you paid each supplier over a year, ranked, with the invoices that could not be placed counted beside the total.

Call and claim

Claim a refund or a compensation with the evidence in hand, and know what to say when you call.

Money back

Find the supplier refunds and VAT credits your company is still owed, with the evidence for each.

Employer cost

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.

Check contractor status

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

Invoice design

Pick how an invoice prints, from the designs and records you already have.

Chart of accounts

Read the accounts your workspace posts to, number by number.

Import a statement

Drop a statement you already have, and get its transactions as records.

Connects and checks them

Check your connections

See what is connected, what is syncing, and what is missing.

Build your context graph

Connect your AI apps and your tools, then see your business as one context graph.

Connect your bank

Get the bank feed in, and confirm it is really live.

Tax id chase

The companies you deal with that carry no tax identifier, listed before year end.

Browse all skills

How Qonto and Melio stay secure with Well

Well connects to Qonto through its MCP server, which issues short-lived access tokens via Dynamic Client Registration. Well never holds a long-lived Qonto secret; the server refreshes its own tokens on each session. Anything Well holds between Qonto and Melio is encrypted at rest and handled in line with GDPR.

MCP server authEncrypted at restGDPR compliant
Scopes Well requestswellapp.ai/v1/mcps/qonto/mcp

  • Read Qonto records

    Scoped to your organization, its bank accounts and balances, transactions, and supplier invoices with their attachments. No access to anything else in your Qonto account.

    granted

  • Deliver documents to your Melio inbox

    Well forwards the extracted document to your Melio email-in address; Melio reads bills via email-in at @invoicesmelio.com, with vendor, amount, and due date populated by Smart Bill Capture from it and you review and post. No write credential to Melio is requested.

    granted

  • Modify or delete Qonto records

    Not granted. Well never edits or deletes an existing Qonto record; the one write it holds files a new document into Qonto.

    refused

  • 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.

    refused
Disconnect any time from Well settings or Qonto’s admin panel.

Frequently asked questions about Qonto and Melio on Well

01What Qonto data does Well pull into Melio?
Well polls the Qonto API on a fixed cadence and pulls your organization, its bank accounts and balances, transactions, and supplier invoices with their attachments. Well resolves and scores each counterparty, then writes bills via email-in at @invoicesmelio.com, with vendor, amount, and due date populated by Smart Bill Capture into Melio with the original Qonto record ID kept on the entry.
02Will every Qonto record post to Melio automatically?
Not always. On the next hourly pull from Qonto, Well scores the record on field completeness, counterparty strength, and policy fit. Above the 85% default auto-link threshold Well forwards the reconciled document to your Melio email-in address and Melio drafts the record from it for you to confirm. Between 55% and 85% the record waits in the review queue with the alternative matches ranked. Below the 55% default review threshold the record is refused and the candidate list kept so you can pin the right entry by hand.
03What happens to historical Qonto data when I first connect to Melio?
Qonto exposes the last three years through its API on a connected account. The window Well actually pulls is configurable from the integration settings page; each record is matched against your existing Melio ledger, and re-running the backfill is safe because Well tracks the Qonto record IDs and updates existing Melio entries instead of duplicating them.
04How does Well prevent duplicates when posting Qonto records to Melio?
Well maintains a sync marker against Qonto so each window only pulls records strictly newer than the last successful sync; the Qonto record ID is then tracked into Melio for second-line dedup. If the same record appears twice through a manual re-import or a sync marker rewind, Well recognises the ID and updates the existing Melio entry rather than duplicating it.
05What happens if I disconnect Qonto or Melio?
Disconnecting Qonto stops the flow at the source. Well asks the Qonto MCP server to revoke the access token; Qonto returns confirmation and stops streaming events the moment it is acknowledged. Anything you already reviewed and posted in Melio is Melio's own record and is untouched; Well never held a write credential to it. Records held for review in Well remain in the queue so you can finish them by hand. Reconnecting later resumes from the last successful sync, not from scratch.
06How does Well authenticate with Qonto and Melio?
Qonto's MCP server handles authorisation directly; Well receives an access token through Dynamic Client Registration and never sees raw user credentials. For the delivery side, Well forwards the reconciled document to your Melio email-in address once it clears the matching threshold; Melio creates the draft record from it and you confirm and post it. Well holds no write credential to Melio. Tokens are encrypted in transit under TLS 1.3. Anything Well holds between Qonto and Melio is encrypted at rest and handled in line with GDPR.
QontoMelio

Connect Qonto and Melio

Link both tools to Well so each Qonto supplier invoice reaches Melio with its supplier resolved and its PDF attached.

Try Well free
  • Read-only scopes on Qonto
  • AES-256 at rest, TLS 1.3 in transit
  • GDPR compliant
  • Revocable Melio access in one click

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