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Qonto and Wise Platform: Delivering fast, transparent, and reliable global payments

Wise
26.11.25 (last updated)
Read time 2 minutes

Discover how Qonto partnered with Wise Platform to double its adoption of its in app international transfers feature, achieve over 95% payment success rates, and 75% decrease in customer contact rates.

The problem: Slow, unreliable payments holding SMEs back

Small and mid-sized businesses (SMEs) are the backbone of the European economy, representing 99% of all regional businesses. But they often face significant challenges with cash flow, operating on a tight cash-conversion cycle. This makes them highly vulnerable to liquidity problems.

Unsurprisingly, cross-border payments only complicate this challenge. Transactions like paying suppliers or employees can be a frustrating process, plagued by high fees, slow processing times, and a lack of visibility, with simple payments often taking days to arrive.

As a forward-thinking fintech, Qonto knew these traditional, intermediary-heavy processes were holding its SME customers back. The French company has built its reputation on understanding the unique needs of SMEs and freelancers, offering streamlined online accounts with payment cards, expense tracking, invoicing, and accounting integration.

With over 600,000 customers across Europe, Qonto wanted to extend this customer-first approach to cross-border payments, enabling their SME customers to grow internationally without being weighed down by slow, costly transactions. But how exactly would the business access the infrastructure required to deliver fast, low-cost, and transparent international payments?

The solution: A partnership built on speed and transparency

Qonto quickly realised that building its own global payments infrastructure from the ground up would be a massive undertaking, requiring significant time, resources, and money to manage everything from local payment systems to global regulations.

The obvious solution was to partner, and Qonto knew exactly what it wanted: a partner that could deliver the transparency, speed, reliability, and global coverage today’s SMEs demand.

Wise Platform quickly emerged as the obvious choice.

Collaborating with top global brands like Morgan Stanley, Google and Monzo, we pride ourselves on providing a transparent, end-to-end payment experience. Our platform gives businesses like Qonto enhanced visibility into fees, precise delivery times, and real-time payment tracking, enabling them to extend these benefits to their customers.

Beyond transparency, Wise Platform delivers the reliability and speed SMEs expect. With a 99% straight-through processing rate, our partners can be confident they’re offering customers a dependable payment experience.* What’s more, 74% of our payments arrive within 20 seconds or less.*

The results of our partnership speak for themselves.

The impact: Measurable success and happy customers

Thanks to the expertise and support of the Wise Platform implementation team, we were able to release this integration in less than six months.

By gaining access to over 30 currencies, including AED, AUD, CAD, CHF, CLP, CRC, and DKK, Qonto has doubled its adoption of the international transfers feature in their app.

Waiting 3-5 business days to process a payment? This is now a thing of the past, with the vast majority of payments being delivered in just 24 hours or less.

Since integrating with Wise Platform, Qonto's customer contact rate has decreased by 75% (Q2 2024 to Q2 2025). Now, Qonto customers can simply check a payment's status via the app. What’s more, this impact has extended far beyond happy customers. Fewer inquiries means Qonto’s team has time to focus on more complex issues and provide greater support across the business.

Payment success rates have also gone up from 90% to 95%, with rates for major currencies like USD, EUR, and PLN climbing to 97.5%. It’s this kind of reliability that builds trust and ensures Qonto's customers can always count on their payments going through.

However, the most telling impact is customer sentiment. With a 50% decrease in negative reviews, the partnership proves the value of a transparent, reliable global payments experience.

Together, Qonto and Wise Platform are leading the charge for SME cross-border payments. We're empowering European SMEs to leave the complexities of doing business across borders behind and focus on what truly matters: driving growth.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

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