Developers

Send income to Qonta

If your platform takes payments for a business, send each one to Qonta as it happens. It lands in that business's books as money in, so nobody types it in again.

Last updated: 19 September 2026

1. Get a key

The business makes the key in Qonta, under Settings, Connections, Make a key, and gives it to you. It starts with qk_ and is shown to them once. Send it on every request:

Authorization: Bearer qk_your_key_here

A key records money in for one business only. It cannot read their books. The business can take it back at any time, and it stops working at once.

2. Record a payment

POST https://api.qonta.rw/v1/income
Content-Type: application/json

{
  "external_id": "pay_1001",
  "amount": 150000,
  "paid_at": "2026-09-19T10:15:00+02:00",
  "customer": "Uwase Aline",
  "description": "Term 1 fees"
}

Field	What it is
`external_id` required	Your platform's own id for this payment, up to 200 characters. Unique per business.
`amount` required	More than zero, at most two decimals, in `currency`.
`currency`	RWF (the default), USD, EUR, GBP, KES, UGX, TZS, BIF, CDF or ZAR.
`fx_rate`	Francs for one unit of the currency. Needed for a foreign payment the first time; Qonta then remembers the business's last rate.
`paid_at`	When the money was paid: a date (`2026-09-19`) or an ISO 8601 time. A time with no offset is read as Kigali time. Not in the future. Now, if left out.
`customer`	Who paid, up to 120 characters. Linked to the business's customer of that name when there is one.
`description`	What it was for, up to 500 characters.
`category`	`sales` (the default), `other`, `loan`, `transfer` or `savings`.
`money_account_id`	The account the money landed in, from `GET /v1/money-accounts`. Left out, the business's default account for money in.
`vat_amount`	The VAT included in `amount`, when there is some.

3. What Qonta answers

Status	Meaning
`201`	Recorded. `{"status": "recorded", "income": {...}}`
`200`	This `external_id` was already recorded with the same amount. Nothing changed. `"status": "already_recorded"`
`409`	This `external_id` was already recorded with a different amount. Nothing changed. A different payment needs its own id.
`401`	The key is missing, wrong, or was taken back.
`402`	The business's Qonta subscription is not active. Nothing was recorded. Send it again once they renew.
`422`	Something in the body is wrong. `detail` names the field and says why.

Retries are safe. If a request times out or you are not sure it landed, send the same payment again with the same external_id. It is never recorded twice.

{
  "status": "recorded",
  "income": {
    "id": "9f1c2b1e-...",
    "external_id": "pay_1001",
    "amount": 150000.0,
    "currency": "RWF",
    "amount_rwf": 150000.0,
    "paid_at": "2026-09-19T10:15:00+02:00",
    "category": "sales",
    "customer": "Uwase Aline",
    "description": "Term 1 fees",
    "vat_amount": null,
    "money_account": {"id": "3b7e...", "name": "MTN MoMo"},
    "recorded_at": "2026-09-19T10:15:02+02:00"
  }
}

4. Look a payment up

GET https://api.qonta.rw/v1/income/{external_id}

200 with the income, or 404 when Qonta does not have it. Useful after an outage, to find what still needs sending.

5. Money accounts

GET https://api.qonta.rw/v1/money-accounts

{"money_accounts": [
  {"id": "3b7e...", "name": "MTN MoMo", "kind": "momo",
   "provider": "MTN", "default_for_income": true}
]}

Send an account's id as money_account_id to say where a payment landed.

6. Try it

curl -X POST https://api.qonta.rw/v1/income \
  -H "Authorization: Bearer qk_your_key_here" \
  -H "Content-Type: application/json" \
  -d '{"external_id": "pay_1001", "amount": 150000, "customer": "Uwase Aline"}'

7. If you pay out to the business's bank

When the money first sits with your platform or a payment gateway and reaches the business's bank later, ask them to add your platform as its own money account in Qonta, and send its money_account_id with each payment. The payout to their bank is then a transfer between two of their accounts, not a second sale, and their income is counted once.

8. Help

Message us on WhatsApp at 0781 653 156 or email hello@qonta.rw.