# qontoctl
**Category:** ๐ป Developer Tools
**Repository:** https://github.com/alexey-pelykh/qontoctl
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**Directory Page:** https://allmcps.com/mcp/qontoctl
## Description
CLI and MCP server for the Qonto banking API
## Claude Desktop Quick Installation
Heuristic fallback โ verify the package name and runner against the repository README before running it. Uses `npx` (confidence: low):
```json
"mcpServers": {
"qontoctl": {
"command": "npx",
"args": ["-y","qontoctl"]
}
}
```
## Documentation & README
[](https://github.com/alexey-pelykh/qontoctl/actions/workflows/ci.yml)
[](https://codecov.io/gh/alexey-pelykh/qontoctl)
[](https://www.npmjs.com/package/qontoctl)
[](https://www.npmjs.com/package/qontoctl)
[](https://github.com/alexey-pelykh/qontoctl)
[](LICENSE)
CLI and MCP server for the [Qonto](https://qonto.com) banking API.
This project is brought to you by [Alexey Pelykh](https://github.com/alexey-pelykh).
> **Unofficial project.** QontoCtl is independent and not affiliated with, endorsed by, or supported by Qonto. See the [Disclaimer](#disclaimer).
## What It Does
QontoCtl lets AI assistants (Claude, etc.) interact with Qonto through the [Model Context Protocol](https://modelcontextprotocol.io). It can:
- **Organizations** โ retrieve organization details and settings
- **Accounts** โ list, create, update, close bank accounts; download IBAN certificates
- **Transactions** โ list, search, filter bank transactions; manage transaction attachments
- **Bank Statements** โ list, view, and download bank statements
- **Labels** โ manage transaction labels and categories
- **Memberships** โ view team members, show current membership, invite new members
- **SEPA Beneficiaries** โ list, add, update, trust/untrust SEPA beneficiaries
- **SEPA Transfers** โ list, create, cancel transfers; download proofs; verify payees
- **Internal Transfers** โ create transfers between accounts in the same organization
- **Bulk Transfers** โ list, view, and create bulk SEPA transfer batches
- **Recurring Transfers** โ list, view, create, cancel recurring transfers
- **International Transfers (SWIFT)** โ create SWIFT transfers and manage international beneficiaries
- **Cards** โ list, create, update, lock/unlock, report lost/stolen, discard cards
- **Teams** โ list and create teams
- **Webhooks** โ create and manage webhook subscriptions
- **Payment Links** โ create, deactivate, and manage Stripe-backed payment links
- **Insurance** โ show, create, update insurance contracts and manage documents
- **Terminals (POS)** โ list Qonto Terminals and initiate terminal payments
- **Products** โ list catalogue products
- **Clients** โ list, create, update, delete clients
- **Client Invoices** โ full lifecycle: create, update, finalize, send, mark paid, cancel, upload files
- **Quotes** โ create, update, delete, send quotes
- **Credit Notes** โ list and view credit notes
- **Supplier Invoices** โ list, view, and bulk-create supplier invoices
- **Requests** โ list organization requests
- **Attachments** โ upload and view attachments
- **E-Invoicing** โ retrieve e-invoicing settings
## QontoCtl and Qonto's official MCP
_QontoCtl is an independent, unofficial project โ not affiliated with or endorsed by Qonto._
Qonto ships its own [official MCP server](https://docs.qonto.com/mcp/overview) โ hosted, free on every plan, and installable in a tap from Claude, ChatGPT, Cursor, and more. If you want to _talk to_ your finances โ "show my balances", "chart last month's spending", "draft an invoice" โ it's an excellent, well-made option.
QontoCtl is built for a different job: **automating** Qonto, not just chatting with it.
The official MCP is a hosted assistant you log into as a user. QontoCtl is a local, open-source toolkit โ a CLI, an MCP server, and a library โ that runs on your own machine with your own credentials, including as a headless service account.
| | Official MCP | QontoCtl |
| ---------------------------------------------- | -------------------------- | ------------------------------------- |
| Runs headless โ CI, cron, scripts, no chat | Interactive only | โ
CLI + MCP + library |
| Authentication | OAuth, per-user | โ
API key (service account) or OAuth |
| Executes SEPA / internal / recurring transfers | Prepares approval requests | โ
Yes, with SCA handled\* |
| API coverage | Curated subset | โ
Comprehensive |
| Self-hosted ยท your credentials ยท open source | Qonto-hosted | โ
AGPL-3.0, local-first |
_Comparison based on Qonto's public MCP documentation as of July 2026._
\* Transfers to untrusted payees still require your Strong Customer Authentication approval, as they must. QontoCtl handles the SCA continuation so scripted flows โ to trusted beneficiaries and between your own accounts โ complete without a human at the terminal.
QontoCtl also supports multiple Qonto organizations from one setup via named profiles โ handy for accountants, holding companies, and anyone running the books for several entities.
**The official MCP talks to Qonto. QontoCtl automates it.** Many people will use both โ the official MCP in a chat window, QontoCtl in a pipeline.
## Prerequisites
- **Node.js** >= 24
- A **Qonto** business account with API access
## Installation
```sh
npm install -g qontoctl
```
Or run directly with npx:
```sh
npx qontoctl --help
```
Or install via [Homebrew](https://brew.sh):
```sh
brew install qontoctl/tap/qontoctl
```
## Quick Start
```sh
# 1. Install
npm install -g qontoctl
# 2. Create a profile with your Qonto API credentials
qontoctl profile add mycompany
# 3. Test the connection
qontoctl profile test --profile mycompany
# 4. List your accounts
qontoctl account list --profile mycompany
```
## MCP Integration
QontoCtl implements the [Model Context Protocol](https://modelcontextprotocol.io) (MCP), letting AI assistants interact with your Qonto account through natural language.
### MCP Client Configuration
Claude Desktop
Add to your Claude Desktop configuration (`claude_desktop_config.json`):
```json
{
"mcpServers": {
"qontoctl": {
"command": "npx",
"args": ["qontoctl", "mcp"]
}
}
}
```
Claude Code
```sh
claude mcp add qontoctl -- npx qontoctl mcp
```
Cursor
Add to `.cursor/mcp.json` in your project root:
```json
{
"mcpServers": {
"qontoctl": {
"command": "npx",
"args": ["qontoctl", "mcp"]
}
}
}
```
Windsurf
Add to `~/.codeium/windsurf/mcp_config.json`:
```json
{
"mcpServers": {
"qontoctl": {
"command": "npx",
"args": ["qontoctl", "mcp"]
}
}
}
```
#### Pointing MCP at a non-default config file
The MCP server has no CLI flags. To load credentials from a config file other than `~/.qontoctl.yaml`, set `QONTOCTL_CONFIG_FILE` in the host's `env` block:
```jsonc
{
"mcpServers": {
"qontoctl": {
"command": "npx",
"args": ["qontoctl", "mcp"],
"env": {
"QONTOCTL_CONFIG_FILE": "/abs/path/to/qontoctl.yaml",
},
},
},
}
```
The path is captured at server startup. See [`docs/configuration.md`](docs/configuration.md) for the full resolution chain.
### Available MCP Tools
| Tool | Description |
| ------------------------------- | --------------------------------------------------------------------- |
| **Organization** | |
| `org_show` | Show organization details including name, slug, and bank accounts |
| **Accounts** | |
| `account_list` | List all bank accounts for the organization |
| `account_show` | Show details of a specific bank account |
| `account_iban_certificate` | Download IBAN certificate PDF for a bank account |
| `account_create` | Create a new bank account |
| `account_update` | Update an existing bank account |
| `account_close` | Close a bank account |
| **Transactions** | |
| `transaction_list` | List transactions for a bank account with optional filters |
| `transaction_show` | Show details of a specific transaction |
| `transaction_attachment_list` | List attachments for a transaction |
| `transaction_attachment_add` | Attach a file to a transaction |
| `transaction_attachment_remove` | Remove attachment(s) from a transaction |
| **Statements** | |
| `statement_list` | List bank statements with optional filters |
| `statement_show` | Show details of a specific bank statement |
| **Labels** | |
| `label_list` | List all labels in the organization |
| `label_show` | Show details of a specific label |
| **Memberships** | |
| `membership_list` | List all memberships in the organization |
| `membership_show` | Show the current authenticated user's membership |
| `membership_invite` | Invite a new member to the organization |
| **SEPA Beneficiaries** | |
| `beneficiary_list` | List SEPA beneficiaries in the organization |
| `beneficiary_show` | Show details of a specific SEPA beneficiary |
| `beneficiary_add` | Create a new SEPA beneficiary |
| `beneficiary_update` | Update an existing SEPA beneficiary |
| `beneficiary_trust` | Trust one or more SEPA beneficiaries |
| `beneficiary_untrust` | Untrust one or more SEPA beneficiaries |
| **SEPA Transfers** | |
| `transfer_list` | List SEPA transfers with optional filters |
| `transfer_show` | Show details of a specific SEPA transfer |
| `transfer_create` | Create a SEPA transfer |
| `transfer_cancel` | Cancel a pending SEPA transfer |
| `transfer_proof` | Download SEPA transfer proof PDF |
| `transfer_verify_payee` | Verify a payee (Verification of Payee / VoP) |
| `transfer_bulk_verify_payee` | Bulk verify payees (VoP) |
| **Internal Transfers** | |
| `internal_transfer_create` | Create an internal transfer between two bank accounts |
| **Bulk Transfers** | |
| `bulk_transfer_list` | List bulk transfers |
| `bulk_transfer_show` | Show details of a specific bulk transfer |
| `bulk_transfer_create` | Create a bulk SEPA transfer (auto-resolves VoP via bulk_verify_payee) |
| **Recurring Transfers** | |
| `recurring_transfer_list` | List recurring transfers |
| `recurring_transfer_show` | Show details of a specific recurring transfer |
| **Terminals (POS)** | |
| `terminal_list` | List Qonto Terminals linked to the organization |
| `terminal_payment_create` | Initiate a payment on a terminal (returns 202 Accepted) |
| **Products** | |
| `product_list` | List catalogue products with optional pagination and sort |
| **Clients** | |
| `client_list` | List clients with optional pagination |
| `client_show` | Show details of a specific client |
| `client_create` | Create a new client |
| `client_update` | Update an existing client |
| `client_delete` | Delete a client |
| **Client Invoices** | |
| `client_invoice_list` | List client invoices with optional filters |
| `client_invoice_show` | Show details of a specific client invoice |
| `client_invoice_create` | Create a draft client invoice with client and line items |
| `client_invoice_update` | Update a draft client invoice |
| `client_invoice_delete` | Delete a draft client invoice |
| `client_invoice_finalize` | Finalize a client invoice (assign number) |
| `client_invoice_send` | Send a client invoice to the client via email |
| `client_invoice_mark_paid` | Mark a client invoice as paid |
| `client_invoice_unmark_paid` | Unmark a client invoice paid status |
| `client_invoice_cancel` | Cancel a finalized client invoice |
| `client_invoice_upload` | Upload a file to a client invoice |
| `client_invoice_upload_show` | Show upload details for a client invoice |
| **Quotes** | |
| `quote_list` | List quotes with optional filters |
| `quote_show` | Show details of a specific quote |
| `quote_create` | Create a new quote with client and line items |
| `quote_update` | Update an existing quote |
| `quote_delete` | Delete a quote |
| `quote_send` | Send a quote to the client via email |
| **Credit Notes** | |
| `credit_note_list` | List credit notes in the organization |
| `credit_note_show` | Show details of a specific credit note |
| **Supplier Invoices** | |
| `supplier_invoice_list` | List supplier invoices with optional filters |
| `supplier_invoice_show` | Show details of a specific supplier invoice |
| `supplier_invoice_bulk_create` | Create supplier invoices by uploading files |
| **Requests** | |
| `request_list` | List all requests in the organization |
| **SCA Sessions** | |
| `sca_session_show` | Show the status of an SCA session (`waiting` / `allow` / `deny`) |
| `sca_session_mock_decision` | Simulate an SCA decision in the Qonto sandbox (sandbox-only) |
| **Attachments** | |
| `attachment_upload` | Upload an attachment file (PDF, JPEG, PNG) |
| `attachment_show` | Show details of a specific attachment |
| **E-Invoicing** | |
| `einvoicing_settings` | Retrieve e-invoicing settings for the organization |
### Example Prompts
Once configured, you can ask your AI assistant things like:
- "Show my Qonto account balances"
- "List recent transactions over 1000 EUR"
- "What were last month's card payments?"
- "Show all team members in my organization"
- "List bank statements for January 2026"
- "Create a summary of this week's debits"
### SCA Continuation
Some Qonto write operations โ creating a transfer, modifying a card, approving a request โ require **Strong Customer Authentication (SCA)**: the user has to approve the request in the Qonto mobile app before it executes. QontoCtl wraps every SCA-gated MCP write tool with a continuation flow so the LLM client never has to reimplement polling.
#### How a wrapped write tool behaves
When an SCA-gated tool (e.g. `transfer_create`, `card_create`, `beneficiary_trust`, `request_approve`) hits a 428 SCA challenge, the wrapper polls the SCA session inline. If the user approves within the polling window, the tool returns the operation's success result transparently โ the LLM never sees the SCA round-trip. If polling times out (or polling is disabled), the tool returns a structured **SCA-pending response** carrying the session token and instructions to continue.
Every wrapped tool exposes two optional input fields for this flow:
- `wait` โ maximum seconds to poll inline before falling back to the pending response.
- `sca_session_token` โ bind a previously approved SCA challenge to a retry.
#### The `wait` knob
| Value | Behavior |
| ---------------- | ------------------------------------------------------------------------------------ |
| `30` _(default)_ | Poll for up to 30 seconds, then fall back to the structured pending response. |
| `1`โ`120` | Poll for the specified number of seconds (capped at 120). |
| `0` or `false` | Skip polling entirely. Return the SCA-pending response immediately on the first 428. |
The `120` upper bound is the hard ceiling enforced via Zod at the input boundary. The practical ceiling is your MCP host's request timeout โ Claude Desktop hardcodes โ 60 s and Cursor's effective limit is โ 30 s, so values above those will surface as host-side timeouts before the wrapper resolves. Use a small `wait` (e.g. `5`-`10`) when the LLM expects the user to be present and willing to approve immediately. Use `wait: false` (or `wait: 0`) for **pure two-step flows** where the LLM and the user converse out-of-band between the SCA challenge and the retry.
#### Two-step fallback (out-of-band continuation)
When polling does not resolve, the SCA-pending response carries:
- A user-facing message: `"SCA required. The user must approve this operation on their Qonto mobile app."`
- A `Session token: ` line (token validity: 15 minutes from issuance).
- Step-by-step instructions to continue.
The LLM (or the user) can then:
1. **Poll session status** with the `sca_session_show` tool, passing the captured token. It returns `waiting`, `allow`, or `deny`.
2. **Retry the original tool** once the status is `allow`, passing the _same parameters_ plus `sca_session_token: ""`. The wrapper invokes the operation exactly once with the token bound โ no second poll happens.
> **PSD2 dynamic linking.** The SCA session token is bound to the _original_ request parameters (amount, payee). Reusing a token against a different operation is rejected by Qonto. Reissue an SCA challenge by calling the original tool again whenever the parameters need to change.
#### Caller-supplied retry (`sca_session_token`)
When `sca_session_token` is set on a wrapped write tool, the wrapper:
- Invokes the operation exactly once.
- Skips polling entirely.
- Forwards the token via the `X-Qonto-Sca-Session-Token` header.
This is the path used by step (2) of the two-step fallback. It is also useful when the LLM client implements its own polling cadence and only needs the wrapper to retry with an already-captured approval.
#### Sandbox testing
Sandbox accounts cannot enroll a real paired device, so SCA challenges in sandbox use a `mock` flow. After receiving a pending response, simulate the user's decision with the `sca_session_mock_decision` tool (sandbox-only โ refuses to run when no staging token is configured). See [`docs/sandbox-testing.md`](docs/sandbox-testing.md) for the full sandbox setup.
#### Migration note
Earlier QontoCtl builds (pre-`@qontoctl/mcp` SCA continuation) returned a free-form text response on 428 with no continuation hooks. Callers parsing that response should adopt the structured flow:
| Before | After |
| ------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Free-form text mentioned the SCA endpoint but offered no MCP-exposed way to continue. | The SCA-pending response is still text content but its shape is stable: `Session token: ` is the canonical line; `sca_session_show` is the polling API. |
| Polling required driving the Qonto HTTP API directly. | Use the `sca_session_show` MCP tool. |
| Re-running the operation orphaned the prior approval. | Retry the original tool with the captured `sca_session_token` parameter โ the prior approval is bound to that retry. |
| No way to opt-in to inline polling โ every 428 was a dead end. | Pass `wait: ` (1-120) to poll inline; tools default to 30s. Pass `wait: false` for the explicit two-step flow. |
The pending response's textual format is stable, so callers that need to extract the token programmatically can match against the `Session token:` line โ but using `sca_session_show` directly avoids relying on the response prose.
## CLI Usage
> **First command to try when something doesn't work**: [`qontoctl diagnose`](docs/troubleshooting.md) โ a read-only healthcheck across config, credentials, scopes, organization metadata, and host routing.
### Commands
| Command | Description |
| --------------------------------------------- | ---------------------------------------------------------------------------------- |
| `diagnose` | Read-only healthcheck (see [troubleshooting](docs/troubleshooting.md)) |
| `org show` | Show organization details |
| `account list` | List bank accounts |
| `account show ` | Show bank account details |
| `account iban-certificate ` | Download IBAN certificate PDF |
| `account create` | Create a new bank account |
| `account update ` | Update a bank account |
| `account close ` | Close a bank account |
| `transaction list` | List transactions with filters |
| `transaction show ` | Show transaction details |
| `transaction attachment list ` | List attachments for a transaction |
| `transaction attachment add ` | Attach a file to a transaction |
| `transaction attachment remove [att-id]` | Remove attachment(s) from a transaction |
| `statement list` | List bank statements |
| `statement show ` | Show statement details |
| `statement download ` | Download statement PDF |
| `label list` | List all labels |
| `label show ` | Show label details |
| `membership list` | List organization memberships |
| `membership show` | Show current user's membership |
| `membership invite` | Invite a new member |
| `beneficiary list` | List SEPA beneficiaries |
| `beneficiary show ` | Show beneficiary details |
| `beneficiary add` | Create a new beneficiary |
| `beneficiary update ` | Update a beneficiary |
| `beneficiary trust ` | Trust one or more beneficiaries |
| `beneficiary untrust ` | Untrust one or more beneficiaries |
| `transfer list` | List SEPA transfers |
| `transfer show ` | Show SEPA transfer details |
| `transfer create` | Create a SEPA transfer |
| `transfer cancel ` | Cancel a pending SEPA transfer |
| `transfer proof ` | Download SEPA transfer proof PDF |
| `transfer verify-payee` | Verify a payee (VoP) |
| `transfer bulk-verify-payee` | Bulk verify payees from CSV |
| `internal-transfer create` | Create an internal transfer |
| `bulk-transfer list` | List bulk transfers |
| `bulk-transfer show ` | Show bulk transfer details |
| `bulk-transfer create` | Create a bulk SEPA transfer from JSON |
| `recurring-transfer list` | List recurring transfers |
| `recurring-transfer show ` | Show recurring transfer details |
| `terminal list` | List Qonto Terminals (POS) |
| `terminal payment create ` | Initiate a payment on a terminal |
| `product list` | List catalogue products |
| `client list` | List clients |
| `client show ` | Show client details |
| `client create` | Create a new client |
| `client update ` | Update a client |
| `client delete ` | Delete a client |
| `client-invoice list` | List client invoices |
| `client-invoice show ` | Show client invoice details |
| `client-invoice create` | Create a draft client invoice |
| `client-invoice update ` | Update a draft client invoice |
| `client-invoice delete ` | Delete a draft client invoice |
| `client-invoice finalize ` | Finalize client invoice and assign number |
| `client-invoice send ` | Send client invoice to client via email |
| `client-invoice mark-paid ` | Mark client invoice as paid |
| `client-invoice unmark-paid ` | Unmark client invoice paid status |
| `client-invoice cancel ` | Cancel a finalized client invoice |
| `client-invoice upload ` | Upload a file to a client invoice |
| `client-invoice upload-show ` | Show upload details for a client invoice |
| `quote list` | List quotes |
| `quote show ` | Show quote details |
| `quote create` | Create a new quote |
| `quote update ` | Update a quote |
| `quote delete ` | Delete a quote |
| `quote send ` | Send quote to client via email |
| `credit-note list` | List credit notes |
| `credit-note show ` | Show credit note details |
| `supplier-invoice list` | List supplier invoices |
| `supplier-invoice show ` | Show supplier invoice details |
| `supplier-invoice bulk-create` | Create supplier invoices from files |
| `einvoicing settings` | Show e-invoicing settings |
| `request list` | List all requests |
| `attachment upload ` | Upload an attachment file |
| `attachment show ` | Show attachment details |
| `auth setup` | Configure OAuth client credentials |
| `auth login` | Start OAuth login flow |
| `auth status` | Display OAuth token status (focused; for whole-integration health, use `diagnose`) |
| `auth refresh` | Refresh the OAuth access token |
| `auth revoke` | Revoke OAuth consent and clear tokens |
| `profile add ` | Create a named profile |
| `profile list` | List all profiles |
| `profile show ` | Show profile details (secrets redacted) |
| `profile remove ` | Remove a named profile |
| `profile test` | Test credentials |
| `completion bash` | Generate bash completions |
| `completion zsh` | Generate zsh completions |
| `completion fish` | Generate fish completions |
| `mcp` | Start MCP server on stdio |
### Global Options
| Option | Description |
| ----------------------- | --------------------------------------------------------------------------------- |
| `--config ` | Explicit path to a config file (overrides `--profile` and `QONTOCTL_CONFIG_FILE`) |
| `-p, --profile ` | Configuration profile to use |
| `-o, --output ` | Output format: `table` (default), `json`, `yaml`, `csv` |
| `--page ` | Fetch a specific page of results |
| `--per-page ` | Results per page |
| `--no-paginate` | Disable auto-pagination |
| `--verbose` | Enable verbose output |
| `--debug` | Enable debug output (implies `--verbose`) |
## Configuration
QontoCtl supports two authentication methods:
- **API Key** โ production-only access using your organization slug and secret key. Supports the endpoints listed as "API key โ" in the [Qonto auth table](https://docs.qonto.com/get-started/business-api/authentication/introduction) (most reads plus many writes โ internal transfers, clients, attachments, โฆ). Cannot be used against the Qonto sandbox.
- **OAuth 2.0** โ full access including OAuth-only endpoints (cards, teams, webhooks, e-invoicing, payment links, insurance, international transfers, recurring transfers, SCA flows) and the Qonto sandbox via staging-token; see the [OAuth App Setup Guide](docs/oauth-setup.md).
### Profile Format
All configuration files use the same YAML format:
```yaml
# API Key authentication
api-key:
organization-slug: acme-corp-4821
secret-key: your-secret-key
# OAuth 2.0 authentication (see docs/oauth-setup.md)
oauth:
client-id: your-client-id
client-secret: your-client-secret
```
### Resolution Order
The CLI resolves the config **file** in this order (highest priority first):
1. `--config ` flag
2. `QONTOCTL_CONFIG_FILE` env var
3. `~/.qontoctl/{name}.yaml` (when `--profile ` is given)
4. `~/.qontoctl.yaml` (home default)
When `--config` is supplied alongside `QONTOCTL_CONFIG_FILE` or `--profile` and the resolved paths disagree, `--config` wins and a warning is emitted on stderr so the override is visible.
> **No current-directory discovery.** The CLI does not scan the working directory for `.qontoctl.yaml`. For repo-local config, use a `direnv` shim that exports `QONTOCTL_CONFIG_FILE="$PWD/.qontoctl.yaml"`, or pass `--config ./.qontoctl.yaml` explicitly per invocation.
**Per-field overrides** apply on top of the loaded file:
- Without `--profile`: `QONTOCTL_*` env vars override file values
- With `--profile acme`: `QONTOCTL_ACME_*` env vars override file values
For the full reference (precedence rules per entry point, profile semantics, migration from CWD discovery), see [`docs/configuration.md`](docs/configuration.md).
### Environment Variables
Environment variables override file values. They carry **inputs** (static configuration) the tool reads but never writes back; runtime-mutable state (refresh tokens, token expiry, granted scopes) lives in the file only. See the note on `QONTOCTL_ACCESS_TOKEN` below.
Without `--profile`:
| Variable | Description |
| ---------------------------- | ------------------------------------------ |
| `QONTOCTL_ORGANIZATION_SLUG` | Organization slug |
| `QONTOCTL_SECRET_KEY` | API secret key |
| `QONTOCTL_CLIENT_ID` | OAuth client ID |
| `QONTOCTL_CLIENT_SECRET` | OAuth client secret |
| `QONTOCTL_ACCESS_TOKEN` | OAuth access token (read-only โ see below) |
| `QONTOCTL_ENDPOINT` | Custom API endpoint |
| `QONTOCTL_STAGING_TOKEN` | Staging token (activates sandbox URLs) |
With `--profile `, prefix becomes `QONTOCTL_{NAME}_` (uppercased, hyphens replaced with underscores). For example, `--profile acme` reads `QONTOCTL_ACME_ORGANIZATION_SLUG`.
> **`QONTOCTL_ACCESS_TOKEN` semantics**: when set, the env-supplied bearer is used for the current invocation only. Proactive token refresh is not attempted, and refreshed tokens are not persisted to disk (mirrors `AWS_SESSION_TOKEN`). If the token has expired the API surfaces a `401`; re-issue the token externally.
>
> **`QONTOCTL_REFRESH_TOKEN` is intentionally not supported.** Refresh tokens are runtime-mutable state โ every refresh produces a new value the tool must write back somewhere โ and env vars carry inputs, not state. Use file-based credentials (`~/.qontoctl.yaml` or a profile) for OAuth flows that need refresh, or stick with API-key env vars in CI.
## Debug Mode
The `--verbose` and `--debug` flags enable wire-level logging to stderr:
```sh
qontoctl --verbose transaction list # request/response summaries
qontoctl --debug transaction list # full headers and response bodies
```
> **Security note:** `--debug` logs full API response bodies. Known sensitive fields
> (IBAN, BIC, balance) are automatically redacted, but responses may still contain
> other financial data. Do not use `--debug` in shared environments or pipe debug
> output to files accessible by others.
## Disclaimer
`qontoctl` is an **independent project** not affiliated with, endorsed by, or officially connected to **Qonto**. It runs on your own machine with your own credentials.
"Qonto" and the Qonto logo are trademarks of Olinda SAS (the company operating Qonto); `qontoctl` uses the name only to describe the service it interoperates with.
## License
[AGPL-3.0-only](LICENSE)
### What AGPL means for you
- **Using qontoctl as a CLI tool or MCP server** does not make your code AGPL-licensed.
Running the tool, scripting around it, or connecting it to your applications is normal
use โ no license obligations arise.
- **Using `@qontoctl/core` as a library** (importing it into your code) means your combined
work is covered by AGPL-3.0. If you distribute that combined work, you must make its
source available under AGPL-compatible terms.
- **Modifying and distributing qontoctl itself** requires you to share your changes under
AGPL-3.0.
- **Commercial licensing** is available if AGPL does not fit your use case โ contact the
maintainer.