Send a Mock Deposit
Simulates an inbound deposit into a balance account through a given deposit instruction, so you can exercise downstream processing — balances, transactions, and webhooks — without moving real money. This is fire-and-acknowledge: it responds 202 with an empty body and settles out of band, so observe the result by polling the account balance or transactions.
Sandbox only. This endpoint exists exclusively in the sandbox environment for testing. Simulating a deposit is not possible in production.
Headers
Bearer authentication header of the form Bearer {token}. Required for client-server (JWT) authentication. See Authentication.
Identifies the program context for the request. Required for server-to-server (HMAC) authentication. See Authentication.
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.
Partner API key issued by Meridian during provisioning. Required for server-to-server (HMAC) authentication. See Authentication.
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.
HMAC SHA-256 signature of the canonical request string, computed per request. Required for server-to-server (HMAC) authentication. See Authentication for how to construct it.
Path Parameters
ID of the balance account to deposit into — the id returned by GET /v1/accounts (e.g. uspay-...).
Body
The deposit instruction to credit and the amount to deposit.
The id of the deposit instruction to credit — an opaque identifier such as uspay-..., NOT a rail name like ACH or WIRE. Each deposit instruction is a funding rail (ACH, Fedwire, etc.) configured on the account that an inbound deposit would arrive through. To find it, call GET /v1/accounts/{accountId} and copy the id of the desired entry from the depositInstructions array (match on its rail.label, e.g. Fedwire for a wire). Passing anything that is not an existing instruction id returns 404.
"uspay-rvrsmt8vngju3kea5mm6fcck"
Amount to deposit, as a decimal string in the account's currency (e.g. 100.00). Must be greater than zero.
"100.00"
Response
Deposit simulation accepted; settles out of band