> ## Documentation Index > Fetch the complete documentation index at: https://docs.mnai.com/llms.txt > Use this file to discover all available pages before exploring further. # Issue a Meridian Accounts access token > Mints a JWT for a Meridian user. For `client_credentials` grants, the user is identified by the `X-Meridian-User-Id` header: it must be provided for MULTI_USER integrations and omitted for SINGLE_USER integrations (the single configured user is used). For `refresh_token` grants, the user is derived from the supplied refresh token. ## OpenAPI ````yaml /products/meridian-accounts/api-reference/meridian-accounts.json post /v1/auth/token openapi: 3.1.1 info: title: Meridian API version: '1.0' description: API documentation for Meridian services contact: name: Meridian url: https://mnai.com email: support@mnai.com license: name: Proprietary url: https://mnai.com servers: - url: https://sandbox-api.va.meridianpay.com description: Sandbox - url: https://api.va.mnai.com description: Production security: [] paths: /v1/auth/token: post: tags: - Auth summary: Issue a Meridian Accounts access token description: >- Mints a JWT for a Meridian user. For `client_credentials` grants, the user is identified by the `X-Meridian-User-Id` header: it must be provided for MULTI_USER integrations and omitted for SINGLE_USER integrations (the single configured user is used). For `refresh_token` grants, the user is derived from the supplied refresh token. operationId: createMeridianAccountsToken parameters: - name: X-Meridian-Program-Id in: header description: >- Identifies the program context for the request. Required for server-to-server (HMAC) authentication. See [Authentication](/products/meridian-accounts/guides/authentication-overview). required: true schema: type: string - name: X-Meridian-User-Id in: header description: >- Identifies the Meridian user targeted by the request. Required for server-to-server (HMAC) authentication with MULTI_USER integrations; omit for SINGLE_USER. See [Authentication](/products/meridian-accounts/guides/authentication-overview). schema: type: string - name: X-Meridian-Api-Key in: header description: >- Partner API key issued by Meridian during provisioning. Required for server-to-server (HMAC) authentication. See [Authentication](/products/meridian-accounts/guides/authentication-overview). required: true schema: type: string - name: X-Meridian-Timestamp in: header description: >- Current time in milliseconds since the Unix epoch. Must be within 60 seconds of the request. Required for server-to-server (HMAC) authentication. See [Authentication](/products/meridian-accounts/guides/authentication-overview). required: true schema: type: string - name: X-Meridian-Signature in: header description: >- HMAC SHA-256 signature of the canonical request string, computed per request. Required for server-to-server (HMAC) authentication. See [Authentication](/products/meridian-accounts/guides/authentication-overview) for how to construct it. required: true schema: type: string requestBody: description: Either a client_credentials or refresh_token grant payload content: application/json: schema: $ref: '#/components/schemas/MeridianTokenBody' required: true responses: '200': description: The issued access and refresh tokens content: application/json: schema: $ref: '#/components/schemas/Token Response' '400': description: The request body or headers are invalid content: application/json: schema: $ref: '#/components/schemas/MeridianError' '401': description: Missing or invalid authentication content: application/json: schema: $ref: '#/components/schemas/MeridianError' '403': description: API key is not entitled for the requested program content: application/json: schema: $ref: '#/components/schemas/MeridianError' '404': description: Program or user was not found content: application/json: schema: $ref: '#/components/schemas/MeridianError' '500': description: Unexpected error while issuing the token content: application/json: schema: $ref: '#/components/schemas/MeridianError' security: - partner-api-key: [] components: schemas: MeridianTokenBody: type: object title: com.meridianpay.remittances.api.dto.meridian.MeridianTokenBody description: OAuth token request payload for Meridian Accounts authentication oneOf: - $ref: '#/components/schemas/Client Credentials Token Body' - $ref: '#/components/schemas/Refresh Token Body' discriminator: propertyName: type mapping: client_credentials: '#/components/schemas/client_credentials' refresh_token: '#/components/schemas/refresh_token' Token Response: type: object title: Token Response description: OAuth token response for Meridian Accounts authentication required: - access_token - expires_in properties: access_token: type: string description: Bearer access token example: access_token_abc123 token_type: type: string description: Type of token returned example: Bearer expires_in: type: integer description: Lifetime of the access token in seconds example: 3600 refresh_token: type: - string - 'null' description: Refresh token that can be exchanged for a new access token example: refresh_token_abc123 scope: type: - string - 'null' description: Space-delimited scopes granted to the access token example: enrollment:get enrollment:activate issued_token_type: type: string description: URN describing the type of issued token example: urn:ietf:params:oauth:token-type:access_token MeridianError: type: object title: com.meridianpay.core.common.api.MeridianError description: >- Represents an error response from the Meridian API, including validation errors and an optional error code. required: - message properties: validationErrors: type: array description: >- An array of validation errors that occurred during the processing of the request. This field is optional and may be empty if there are no validation errors. items: $ref: '#/components/schemas/ValidationError' errorCode: type: - string - 'null' description: >- An optional error code that provides additional information about the error. This field is optional and may be null. message: type: string description: >- A human-readable message describing the error. This field is required and should provide a clear explanation of the error that occurred. Client Credentials Token Body: type: object title: Client Credentials Token Body properties: grant_type: type: string description: OAuth grant type example: client_credentials Refresh Token Body: type: object title: Refresh Token Body required: - refresh_token properties: grant_type: type: string description: OAuth grant type example: refresh_token refresh_token: type: string description: Refresh token issued by Meridian Accounts example: refresh_token_abc123 ValidationError: type: object title: com.meridianpay.core.common.api.ValidationError description: >- Represents a validation error that occurred during the processing of a request to the Meridian API. One of the following types of validation errors may be present: InvalidFormat, InvalidValue, MissingValue, UnprocessableValue, UnexpectedVerificationError, MissingRequestBody, MissingPathParameter, MissingQueryParameter, or NotFound. Each validation error includes a reference to the field that caused the error and a message describing the error. oneOf: - $ref: '#/components/schemas/InvalidFormat' - $ref: '#/components/schemas/InvalidValue' - $ref: '#/components/schemas/MissingPathParameter' - $ref: '#/components/schemas/MissingQueryParameter' - $ref: '#/components/schemas/MissingRequestBody' - $ref: '#/components/schemas/MissingValue' - $ref: '#/components/schemas/NotFound' - $ref: '#/components/schemas/UnexpectedVerificationError' - $ref: '#/components/schemas/UnprocessableValue' discriminator: propertyName: type mapping: com.meridianpay.core.common.api.ValidationError.InvalidFormat: $ref: '#/components/schemas/InvalidFormat' com.meridianpay.core.common.api.ValidationError.InvalidValue: $ref: '#/components/schemas/InvalidValue' com.meridianpay.core.common.api.ValidationError.MissingPathParameter: $ref: '#/components/schemas/MissingPathParameter' com.meridianpay.core.common.api.ValidationError.MissingQueryParameter: $ref: '#/components/schemas/MissingQueryParameter' com.meridianpay.core.common.api.ValidationError.MissingRequestBody: $ref: '#/components/schemas/MissingRequestBody' com.meridianpay.core.common.api.ValidationError.MissingValue: $ref: '#/components/schemas/MissingValue' com.meridianpay.core.common.api.ValidationError.NotFound: $ref: '#/components/schemas/NotFound' com.meridianpay.core.common.api.ValidationError.UnexpectedVerificationError: $ref: '#/components/schemas/UnexpectedVerificationError' com.meridianpay.core.common.api.ValidationError.UnprocessableValue: $ref: '#/components/schemas/UnprocessableValue' InvalidFormat: type: object title: com.meridianpay.core.common.api.ValidationError.InvalidFormat description: The provided value exists, but its format is invalid for the field. required: - fieldRef properties: fieldRef: type: string description: The field or parameter that triggered the validation error. message: type: string description: A human-readable explanation of the validation failure. InvalidValue: type: object title: com.meridianpay.core.common.api.ValidationError.InvalidValue description: >- The provided value is syntactically valid, but not accepted for the field. required: - fieldRef properties: fieldRef: type: string description: The field or parameter that triggered the validation error. message: type: string description: A human-readable explanation of the validation failure. MissingPathParameter: type: object title: com.meridianpay.core.common.api.ValidationError.MissingPathParameter description: A required path parameter was not supplied. required: - fieldRef properties: fieldRef: type: string description: The field or parameter that triggered the validation error. message: type: string description: A human-readable explanation of the validation failure. MissingQueryParameter: type: object title: com.meridianpay.core.common.api.ValidationError.MissingQueryParameter description: A required query parameter was not supplied. required: - fieldRef properties: fieldRef: type: string description: The field or parameter that triggered the validation error. message: type: string description: A human-readable explanation of the validation failure. MissingRequestBody: type: object title: com.meridianpay.core.common.api.ValidationError.MissingRequestBody description: >- The request body is missing or does not contain the required non-null fields. properties: message: type: string description: A human-readable explanation of the validation failure. fieldRef: type: string MissingValue: type: object title: com.meridianpay.core.common.api.ValidationError.MissingValue description: A required value for the field was not provided. required: - fieldRef properties: fieldRef: type: string description: The field or parameter that triggered the validation error. message: type: string description: A human-readable explanation of the validation failure. NotFound: type: object title: com.meridianpay.core.common.api.ValidationError.NotFound description: The referenced principal object was not found. required: - fieldRef properties: fieldRef: type: string description: The field or parameter that triggered the validation error. message: type: string description: A human-readable explanation of the validation failure. UnexpectedVerificationError: type: object title: >- com.meridianpay.core.common.api.ValidationError.UnexpectedVerificationError description: A downstream verification step failed while checking the value. required: - fieldRef properties: fieldRef: type: string description: The field or parameter that triggered the validation error. message: type: string description: A human-readable explanation of the validation failure. UnprocessableValue: type: object title: com.meridianpay.core.common.api.ValidationError.UnprocessableValue description: The provided value cannot be processed into a valid result. required: - fieldRef properties: fieldRef: type: string description: The field or parameter that triggered the validation error. message: type: string description: A human-readable explanation of the validation failure. ````