Qonto card reader review 2026: tap to pay fees and rating
One of the lowest published flat rates in Europe (0.7%), explicitly without a subscription surcharge for Tap to Pay: 'Aucun terminal de paiement ou matériel supplémentaire n'est requis.'
The score measures transparency, reach and certification of the offer — not how well the app works. See the formula
Qonto offers Qonto Tap to Pay for iOS + Android. Transaction fee: from 0.70%; monthly fee: n/a. Security certification: n/a. Available in: France, Germany, Italy, Spain, other EU markets.
Qonto terms in full
| Product name | Qonto Tap to Pay |
|---|---|
| Provider type | SoftPOS + hardware |
| Headquarters | France (Paris) |
| Founded | 2016 |
| Platforms | both (iPhone XS or later; Android) |
| Certification | n/a (regulated by the ACPR, CIB 16958) |
| Transaction fee | 0.7% on European cards, regardless of the account plan (the meta description of the same provider page states 0.8%) |
| Monthly fee | no extra subscription for Tap to Pay ('Sans abonnement', 'Sans engagement'); Qonto account plans separate |
| Setup cost | 0 EUR |
| Contract term | no commitment |
| Cards accepted | Visa, Mastercard, Apple Pay, Google Pay |
| PIN entry on screen | n/a |
| Transaction limit | n/a |
| Target customers | Solo self-employed people and SMEs with a Qonto business account |
| Available markets | France, Germany, Italy, Spain, other EU markets |
| Website | qonto.com |
| Data source | Open primary source ↗ |
Alternatives to Qonto
Comparable providers in Europe:
- Stripe — from 2.70% + 5 ¢, Rating 1.4
- Nexi (Nexi Group) — from 1.19%, Rating 1.6
- Revolut Business — from 0.80%, Rating 2.2
- Dojo (Paymentsense) — from 1.20%, Rating 2.2
- Mollie — from 2.90%, Rating 2.2
Compare all providers in Europe →
Frequently asked questions
Qonto tap to pay: do I need any extra hardware?
Not necessarily. Qonto sells card terminals as well, but its tap to pay product works on a phone you already own, with no extra hardware. Supported platforms: iOS + Android.
Which countries is Qonto available in?
By our records: France, Germany, Italy, Spain, other EU markets. Availability changes, and the date above the table is when we last checked.