Does qeam.net offer a public API?

Yes. Approved business clients get REST API access for account creation, IBAN issuance, payment initiation, FX, card issuing, and webhook events. Access is granted after KYB and a commercial agreement is in place.

Is there a sandbox environment?

Yes. A separate sandbox environment is provided so you can build and test integrations end-to-end without touching production funds or live ledgers.

How is authentication handled?

API calls are authenticated with scoped API keys over TLS. Sensitive operations require request signing with an HMAC shared secret, and webhooks are signed so you can verify origin.

Do you support webhooks for payment events?

Yes. Webhooks fire for incoming and outgoing payments, account status changes, card events, and onboarding decisions, with automatic retries and signature verification.

What rate limits apply?

Production accounts get tiered rate limits based on your commercial plan; sandbox is rate-limited per project. 429 responses include Retry-After headers.

Build banking, cards and payouts with one API

A single REST API to issue IBANs, run a multi-currency ledger, move money across SEPA, SWIFT, ACH and Fedwire, issue Mastercard® cards, and receive signed webhook events — backed by sandbox, scoped API keys and HMAC request signing.

Request API access Talk to an engineer

What you can build

Embedded accounts

Issue IBANs and run a multi-currency ledger under your brand.

Real-time payments

Initiate SEPA / SEPA Instant / SWIFT / ACH / Fedwire and receive signed webhooks for every event.

Cards as a Service

Issue Mastercard® virtual and physical cards with spend controls and authorisation streams.

KYC / KYB orchestration

Trigger onboarding flows for end users and businesses via API and consume verification results.

Treasury & FX

Quote and execute FX in 40+ pairs at mid-market-linked rates.

Reconciliation

Stream ledger transactions and use virtual IBANs to reconcile inbound payments to end users.

Core endpoints

A representative slice of the qeam.net REST API. Full reference is shared during onboarding.

Method	Endpoint	Description
POST	/v1/accounts	Create a corporate or individual account.
POST	/v1/ibans	Issue a dedicated or virtual IBAN attached to an account.
POST	/v1/payments	Initiate SEPA, SEPA Instant, SWIFT, ACH or Fedwire payments.
GET	/v1/transactions	List ledger transactions with filters and pagination.
POST	/v1/cards	Issue a virtual or physical Mastercard®.
POST	/v1/fx/quotes	Get a live FX quote in 40+ currency pairs.
POST	/v1/webhooks	Register a webhook endpoint and receive signed events.

Quick examples

# Issue a virtual IBAN
curl -X POST https://api.qeam.net/v1/ibans \
  -H "Authorization: Bearer $QEAM_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "account_id": "acc_01HXYZ...",
    "type": "virtual",
    "currency": "EUR",
    "reference": "user_4821"
  }'

# Initiate a SEPA Instant payment
curl -X POST https://api.qeam.net/v1/payments \
  -H "Authorization: Bearer $QEAM_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "from_iban": "DE89...",
    "to_iban":   "FR14...",
    "amount":    { "value": 12500, "currency": "EUR" },
    "rail":      "sepa_instant",
    "reference": "INV-2026-0142"
  }'

Developer FAQs

Get sandbox access

Approved business clients get API keys, a sandbox project, and onboarding from a real engineer.

Request access