Mirror Ramp reconciliation rules onto Qonto for the second leg of every inter-account flow, with the FX gain or loss landing on its own ledger line.
The Ramp integration connects your corporate card and expense management platform to Well.
The Qonto connection is Qonto's MCP server, approved over Dynamic Client Registration, and it carries offline_access, organization.
Connect Ramp to Qonto through Well so records flow without manual rework.
When a transaction reconciles cleanly in Ramp, Well mirrors the matched flag and supporting documents onto the related Qonto record. Treasury teams running two accounts in parallel see the same reconciliation state without re-running the match per account.
Outbound debits from Ramp that match inbound credits in Qonto on amount, date, and counterparty are recognised as inter-account transfers and tagged accordingly. The transfer never accidentally reads as revenue on one side or expense on the other in the downstream accounting feed.
When Ramp debits one currency and Qonto credits another, Well snaps the FX rate at the timestamp of the transfer, tags the FX gain or loss on the Qonto ledger line, and keeps both the source and destination amounts on the matching pair so audit can recompute the conversion from primary data.
Deposits sitting unconfirmed in Qonto for longer than the expected settlement window are checked against Ramp outbound payments. Matches flip the Qonto record to settled; mismatches surface in a review queue with the candidate Ramp debit alongside so treasury can chase the right counterparty.
Captures every card transaction with merchant, amount, currency, and category. Pushed to Qonto's supplier-invoices via the /v2/supplier_invoices/bulk endpoint over OAuth.
Well discovers new Ramp vendors via the read-only ETL load and mirrors them as company records. Pushed to Qonto's supplier-invoices via the /v2/supplier_invoices/bulk endpoint over OAuth.
Pulls the policy_violations field on the transaction so non-compliant lines surface for review. Pushed to Qonto's supplier-invoices via the /v2/supplier_invoices/bulk endpoint over OAuth.
Pulls employee reimbursement requests with their amount and category as a transaction. Pushed to Qonto's supplier-invoices via the /v2/supplier_invoices/bulk endpoint over OAuth.
Pulls each Ramp card account the workspace holds with its limit and the cards bound to it. Pushed to Qonto's supplier-invoices via the /v2/supplier_invoices/bulk endpoint over OAuth.
Picks up Ramp transactions that arrive with an automated coding rule already applied. Pushed to Qonto's supplier-invoices via the /v2/supplier_invoices/bulk endpoint over OAuth.
Well POSTs the supplier invoice PDF to Qonto's /v2/supplier_invoices/bulk endpoint via OAuth so the invoice appears under your Qonto supplier invoices.
3 fields flow from Ramp into Qonto.
| Ramp field | Label | Qonto field | Label | |
|---|---|---|---|---|
| transaction.amount | Amount | amount | Amount | |
| transaction.currency_code | Currency | currency | Currency | |
| transaction.id | Transaction id | transaction_id | Transaction id |
4 fields flow from Ramp into Qonto.
| Ramp field | Label | Qonto field | Label | |
|---|---|---|---|---|
| bill.invoice_number | Invoice number | invoice_number | Invoice number | |
| bill.invoice_date | Issue date | issue_date | Issue date | |
| bill.due_date | Due date | due_date | Due date | |
| bill.currency_code | Currency | currency | Currency |
Click Connect with Ramp; the Ramp MCP server registers a Well client automatically. Ramp's MCP server registers a read-scoped Well client through DCR; no credential paste, no shared secret.
Well discovers Ramp's card transactions, approved bills, reimbursements, vendor records, and policy events and the the Qonto supplier-invoices section. Inter-account transfers and FX deltas are matched across both statements; treasury sees one reconciliation state instead of two competing accounts.
Click Connect with Qonto; Well's OAuth proxy handles Qonto authorisation through Dynamic Client Registration. Qonto's MCP server registers a write-scoped Well client through DCR; no credential paste, no shared secret.
Each one answers a question from the data this pair brings in. The required ones return nothing until a source like it is connected.
Needs a source like these
Know how many months of cash you have at your current burn, with both sides of the division shown.
See how long your cash lasts if a customer pays late, leaves, or you hire.
Know how much cash you hold right now, with the accounts counted and the ones left out both stated.
See a company's or household's spend by category, supplier and trend; not for savings: use Subscription spend.
Find the double charges and price rises in your bank debits, each with the dates and amounts your bank shows.
Get a prioritized list of who to chase for payment, with their contact info and a message already drafted.
Know if payroll is safe, and which vendor bills to push if it is not.
Rank your most valuable customers by lifetime value, over a year you name or their whole life.
See how much of your revenue rides on a few customers, and what a late or lost one does to your cash.
Everything you know about one company, in one view.
Find what payment settled an invoice, or catch every payment that never got one.
Find the bills with no paperwork attached, before an auditor does.
Know which invoices are missing a legal line before your customer or the tax office does.
Know what you spend in an average month over a window you can see, with the months that carried no spend counted.
See the monthly run-rate of live subscriptions, or an invoice average when no typed subscriptions are present.
See the settled month-end cash series and where the line goes from the last complete month.
See how the month moved from opening cash to closing cash, with whatever does not reconcile named as its own step.
See which suppliers owe you paperwork, in each of your files, for a month, a quarter or this week.
Put a name on every settled expense that still has no invoice.
Walk the whole month-end sweep in one prompt.
Drive the month-end close from open to sent to your accounting tool.
Work through your open accounting items by category.
Close the category gaps behind your spend before you close a month.
The board numbers in one pass, each with its scope and its window stated.
See what you paid a supplier, how its price moved, and get the negotiation email drafted.
See what each scheduled supplier costs a month and a year, how it moved, and where your workspaces can save.
Act on a subscription you name or pick by number from a list: cancel, renegotiate or contest a double debit.
See what you spent on one category, such as groceries, this month and how that compares to a usual month.
Get page 1 of your 1120 back as a PDF with your own book figures already in the boxes, and a list of every box left for your preparer.
Get one 1099-NEC per contractor back as a PDF with your own posted figures already in box 1, and the list of payees you cannot file for yet.
See what in a month has not reached the ledger, and which pile each item sits in.
Compare your bank with your books, list the gaps, and re-run what missed rows.
See the VAT position your data suggests for a quarter, and which invoices to fix first.
Read your profit and loss or balance sheet from QuickBooks, Xero or Pennylane.
Answers better with these connected
See which customers still owe you money: the unpaid and overdue invoices, how late each is, and the total.
See what you owe and when, ordered by due date with a running total.
See how much of your cash and receivables sit outside your reporting currency.
See exactly which agents would run, before any of them does.
Turn mixed currencies into one number you can actually audit.
See what you owe your suppliers, and how long each bill has been past due.
The measures you name, arranged on one board that stores the question rather than the answer.
See how much each customer billed in a period, ranked by revenue, with the part you could not place named.
See what each supplier invoiced you over a year, ranked, with unplaced invoices counted.
Claim a refund or a compensation with the evidence in hand, and know what to say when you call.
Find money owed back to you: refunds, credit notes, VAT credits, double debits, then unpaid customer invoices.
Read a month of payslips, or each of several months, and state, per person, gross pay plus the employee deductions and the employer charges the payslip printed, then list the payroll related bills paid from the bank that no payslip carries.
For each supplier that looks like a freelancer, read the purchase invoices, the payment rail and any contract Well holds, and state the facts a requalification question turns on, next to the papers your country expects you to keep.
Uses them when they are there
Connects and checks them
See what is connected, what is syncing, and what is missing.
Connect your AI apps and your tools, then see your business as one context graph.
Get the bank feed in, and confirm it is really live.
The companies you deal with that carry no tax identifier, listed before year end.
Well connects to Ramp through its MCP server, which issues short-lived access tokens via Dynamic Client Registration. Well never holds a long-lived Ramp secret; the server refreshes its own tokens on each session. Anything Well holds between Ramp and Qonto is encrypted at rest and handled in line with GDPR.
Read Ramp records
Scoped to card transactions, approved bills, reimbursements, vendor records, and related records. No access to anything else in your Ramp account.
Post approved records to Qonto
Over Qonto's API, scoped to supplier invoice PDFs pushed via OAuth to /v2/supplier_invoices you have approved (case-by-case or via a per-rule auto-post threshold).
Modify or delete Ramp records
Not granted. Ramp is read-only on Well's side; the source of truth never moves.
Read other workspaces' data
Not granted. A session resolves only to the workspaces your account belongs to, and Well checks that membership before it returns any record.
Start routing data between Ramp and Qonto through Well in minutes.
Other ways to connect Ramp or Qonto through Well.
Ramp
See the Ramp connector
Qonto
See the Qonto connector
Ramp → Pennylane
Reconcile Ramp card transactions and bills inside Well with…
Ramp → Xero
Reconcile Ramp card transactions, bills, and reimbursements…
Stripe → Qonto
Reconcile Stripe payouts against Qonto bank deposits. Well d…
Soldo
See the Soldo connector
Spendesk
See the Spendesk connector
iBanFirst
See the iBanFirst connector
