Qonto x Cleavr: Automated Reconciliation and Collections
Connect Qonto to Cleavr to reconcile your collections and automate the recovery of your unpaid invoices. Zero double entry, -37% DSO.
Arthur G.
Qonto manages your bank flows. Cleavr recovers your unpaid invoices.
Qonto is the reference professional account for European SMEs and startups. It centralises bank flows, incoming payments and wire transfers. But when a payment doesn't arrive, Qonto triggers nothing, and identifying which unpaid Qonto invoice corresponds to which wire transfer requires tedious manual reconciliation.
The Cleavr x Qonto integration automates this reconciliation and triggers Qonto collections the moment an unpaid invoice is detected.
What the Qonto x Cleavr Integration Solves
Manual bank reconciliation is one of the most time-consuming tasks for SME finance teams. Identifying which wire transfer corresponds to which invoice, detecting partial payments, spotting invoices unpaid at the due date: each step consumes time and generates errors.
According to the Intrum 2024 European Payment Report, 86% of European companies experience late payments, with the average B2B payment delay exceeding 55 days. Every undetected day of delay ties up cash unnecessarily.
With Cleavr connected to Qonto, every collection is automatically matched to the right invoice, and every Qonto invoice unpaid at the due date triggers a collections action without human intervention.
What the Integration Lets You Do
- Synchronise Qonto bank flows with your client invoices in Cleavr
- Automatically reconcile incoming payments with open invoices
- Detect in real time invoices unpaid at the due date
- Trigger multichannel reminders (email, SMS, AI call, WhatsApp) automatically the moment an unpaid invoice is identified
- Manage partial payments: Cleavr automatically adapts the reminder to the remaining amount due
- Maintain a receivables status always up to date, with no double entry
Set Up in 3 Steps
- Connect your Qonto account to Cleavr by authorising API access
- Automatic import of transactions and your outstanding receivables balance
- Cleavr acts: reconciliation, reminders, response management, escalation if necessary
Setup takes under a day, with no technical skills required.
Why Qonto Collections Changes Everything for European SMEs
Qonto is used by tens of thousands of European SMEs that don't have a complex ERP or a dedicated finance team. These companies manage their unpaid invoices manually, hours lost every week on reminders, reconciliation and tracking that could be entirely automated.
The Cleavr x Qonto integration gives them access to professional automated collections without heavy infrastructure. Cleavr acts as a dedicated AI collections agent, available 24/7, knowing every client and adapting every reminder to the context.
If a client doesn't respond, Cleavr escalates progressively, through to formal notice and litigation with our partner bailiffs and lawyers.
For further reading: How to Calculate Working Capital and Free Cash by Reducing DSO
Results Observed with Our Clients
| Indicator | Average result |
|---|---|
| Manual collections tasks | -80% |
| Cash flow | +40% |
| DSO | -37% |
| Bank reconciliation time | Near zero |
| Implementation time | < 1 day |
Frequently Asked Questions About Qonto Collections
How do I automate reminders for unpaid invoices from Qonto?
By connecting Cleavr to Qonto, every invoice unpaid at the due date automatically triggers a multichannel reminder sequence (email, SMS, AI call or WhatsApp) without your team's involvement.
Does Cleavr work with all Qonto plans?
Yes. The integration is available for all Qonto accounts with API access.
What happens if a client pays partially from Qonto?
Cleavr detects partial payments and automatically adapts the reminder to the remaining amount due.
Does the Qonto x Cleavr integration replace accounting software?
No. Cleavr complements your accounting tool, it manages collections and receivables reconciliation, not general accounting. Qonto remains your banking reference.
Does Cleavr handle litigation if a client refuses to pay?
Yes. Cleavr manages the full escalation through to litigation with our partner bailiffs and lawyers.
How long does it take to connect Qonto to Cleavr?
Under a day. The connection via API authorisation takes a few clicks, with no technical skills required.
Ready to Automate Collections from Qonto?
The Cleavr x Qonto integration turns your professional account into an active cash flow engine. Connect Qonto to Cleavr and collect faster, with no additional effort.
Discover the Qonto x Cleavr integration and get started now.