Qonto Expands Its Payment Offering with Adyen and Mollie
Hey Payments Fanatic!
Qonto is stepping further into the payment space, following moves by peers like Revolut, Stancer, and SumUp. The FinTech company has announced its first-ever physical Point of Sale (POS) terminals, alongside Tap to Pay functionality and Payment Links, marking a significant expansion of its offering for its customers.
“For entrepreneurs and small businesses, getting paid shouldn’t be complicated,” says Albertine Lecointe, VP Product at Qonto. “For the first time, we’re launching a physical device, marking our entry into in-person payments in a whole new way. This strategic move demonstrates our commitment to meeting our customers where they do business, whether that’s online, in-store, or on the move.”
The new features are powered by two Amsterdam-based providers: Adyen, responsible for the POS terminals and Tap to Pay; and Mollie, enabling Payment Links. These partnerships bring more flexibility to Qonto’s 500,000+ customers, giving them tools to collect payments both online and in person.
This story reflects a growing trend among fintech companies to close the loop between financial management and payment acceptance, giving entrepreneurs and small businesses more ways to serve their customers and streamline how revenue flows.
Read more global payment industry updates below👇 and I'll be back with more tomorrow!
Cheers,
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GOLDEN NUGGET
Welcome to 𝐓𝐡𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐀𝐜𝐚𝐝𝐞𝐦𝐲 by Checkout.com — Episode 14 👋 Created by Arthur Bedel
The 𝐍𝐞𝐰 Apple 𝐒𝐭𝐨𝐫𝐞 Payment Guidelines → Epic Games v. Apple Case
In 2020, Epic Games challenged Apple's App Store policies by introducing an alternative payment system within Fortnite, aiming to bypass Apple's 30% commission on in-app purchases. This led to Apple removing Fortnite from the App Store, prompting Epic to file an antitrust lawsuit.
In 2021, a U.S. District Court ruled that Apple must allow developers to direct users to alternative payment methods outside the App Store. However, Apple introduced a 27% commission on these external transactions, which the court later deemed as non-compliant with the injunction.
In April 2025, Judge Yvonne Gonzalez Rogers found Apple in civil contempt for violating the court's order and prohibited the company from collecting commissions on external purchases.
𝐍𝐞𝐰 𝐈𝐧-𝐀𝐩𝐩 𝐂𝐡𝐞𝐜𝐤𝐨𝐮𝐭 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, developers can now:
→ Include a single external link or button within their app that directs users to a website for purchasing digital goods or services.
→ Offer alternative payment options outside the App Store's in-app purchase system.
→ Avoid Apple's commission on transactions completed through these external links.
These changes apply specifically to apps available in the 𝐔.𝐒. 𝐀𝐩𝐩 𝐒𝐭𝐨𝐫𝐞.
𝐓𝐡𝐞 𝐍𝐞𝐰 𝐅𝐥𝐨𝐰 𝐨𝐟 𝐅𝐮𝐧𝐝𝐬
► User initiates a purchase within the app and is directed to the developer's external website.
► Transaction is processed through the developer's chosen payment processor (e.g., Checkout.com, PayPal).
► Funds are received directly by the developer, bypassing Apple's in-app payment system.
► Apple does not collect any commission.
𝐁𝐞𝐧𝐞𝐟𝐢𝐭𝐬 𝐟𝐨𝐫 𝐌𝐞𝐫𝐜𝐡𝐚𝐧𝐭𝐬
► 𝐈𝐧𝐜𝐫𝐞𝐚𝐬𝐞𝐝 𝐑𝐞𝐯𝐞𝐧𝐮𝐞 𝐑𝐞𝐭𝐞𝐧𝐭𝐢𝐨𝐧 → Developers retain the full amount from external transactions.
► 𝐆𝐫𝐞𝐚𝐭𝐞𝐫 𝐏𝐫𝐢𝐜𝐢𝐧𝐠 𝐅𝐥𝐞𝐱𝐢𝐛𝐢𝐥𝐢𝐭𝐲 → Ability to offer discounts or pricing structures not constrained by Apple's policies.
► 𝐄𝐧𝐡𝐚𝐧𝐜𝐞𝐝 𝐂𝐮𝐬𝐭𝐨𝐦𝐞𝐫 𝐑𝐞𝐥𝐚𝐭𝐢𝐨𝐧𝐬𝐡𝐢𝐩𝐬 → Direct interactions with customers allow for personalized experiences and marketing opportunities.
𝐊𝐞𝐲 𝐓𝐚𝐤𝐞𝐚𝐰𝐚𝐲𝐬:
► 𝐋𝐞𝐠𝐚𝐥 𝐈𝐦𝐩𝐚𝐜𝐭 → The Epic Games v. Apple case has led to significant changes in App Store policies, granting developers more control over their payment systems.
► 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐁𝐞𝐧𝐞𝐟𝐢𝐭𝐬 → Developers can now retain the full revenue from external transactions.
► Google 𝐏𝐥𝐚𝐲 𝐒𝐭𝐨𝐫𝐞 → Attention is turning to Google. The company has faced similar scrutiny over its Play Store policies and may implement comparable changes to accommodate alternative payment methods.
Source: Checkout.com
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