# Meridian

## Docs

- [Get Account by ID](https://docs.mnai.com/api-reference/accounts/get-account-by-id.md): Returns the account details for the authenticated Meridian account.
- [List Accounts](https://docs.mnai.com/api-reference/accounts/list-accounts.md): Returns the accounts associated with the authenticated Meridian account.
- [Create a Meridian user for a partner](https://docs.mnai.com/api-reference/auth/create-a-meridian-user-for-a-partner.md): Creates a person or business user for the calling partner on the supplied program. Only MULTI_USER integrations may call this endpoint; SINGLE_USER keys are rejected.
- [Issue a Meridian Accounts access token](https://docs.mnai.com/api-reference/auth/issue-a-meridian-accounts-access-token.md): 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…
- [Activate a pending enrollment](https://docs.mnai.com/api-reference/enrollment/activate-a-pending-enrollment.md): Creates or resumes the enrollment for the authenticated Meridian account and returns the current enrollment state.
- [Get current enrollment status](https://docs.mnai.com/api-reference/enrollment/get-current-enrollment-status.md): Returns the enrollment for the authenticated Meridian account, creating one on the first call if none exists yet.
- [Create or update Information Request requirement entry data](https://docs.mnai.com/api-reference/information-requests/create-or-update-information-request-requirement-entry-data.md): Writes structured data for one or more requirement entries.
- [Get an Information Request by ID](https://docs.mnai.com/api-reference/information-requests/get-an-information-request-by-id.md): Returns the Information Request details for the authenticated Meridian account.
- [List all Information Requests](https://docs.mnai.com/api-reference/information-requests/list-all-information-requests.md): Returns the Information Requests associated with the authenticated Meridian account.
- [Submit an Information Request for review](https://docs.mnai.com/api-reference/information-requests/submit-an-information-request-for-review.md): Submits the Information Request for the authenticated Meridian account.
- [Upload and attach an Information Request document](https://docs.mnai.com/api-reference/information-requests/upload-and-attach-an-information-request-document.md): Uploads a document for a requirement entry and stores it.
- [Submit a payout request](https://docs.mnai.com/api-reference/payouts/submit-a-payout-request.md): Accepts a Base64-encoded payout request in the format specified by the `format` path parameter.
- [Send a Mock Deposit](https://docs.mnai.com/api-reference/sandbox/send-a-mock-deposit.md): 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 observ…
- [Get a payout transaction](https://docs.mnai.com/api-reference/transactions/get-a-payout-transaction.md): Returns a transaction with its latest processing status by Meridian transaction ID.
- [Get Transaction by ID](https://docs.mnai.com/api-reference/transactions/get-transaction-by-id.md): Returns the transaction details for the authenticated Meridian account.
- [List payout transactions](https://docs.mnai.com/api-reference/transactions/list-payout-transactions.md): Returns transactions with their latest processing status. You can optionally filter the results by the Meridian `messageId` returned from the message submission endpoint.
- [List Transactions](https://docs.mnai.com/api-reference/transactions/list-transactions.md): Returns the transactions associated with the authenticated Meridian account.
- [Postman collection](https://docs.mnai.com/postman-collection.md): Import the official Meridian Postman collection. HMAC signing is handled for you — set your credentials and start making requests.
- [Credit API](https://docs.mnai.com/products/bank-transfers/credit-api.md): Push funds from Meridian's sponsored account to a customer's account at the home bank.
- [Debit API](https://docs.mnai.com/products/bank-transfers/debit-api.md): Pull funds from a customer's account into Meridian's sponsored account at the home bank.
- [Overview](https://docs.mnai.com/products/bank-transfers/overview.md): How Meridian instructs bank partners to move money in real time.
- [Overview](https://docs.mnai.com/products/meridian-accounts/api-reference/index.md): Learn how to authenticate and use the Meridian Accounts API.
- [Authentication overview](https://docs.mnai.com/products/meridian-accounts/guides/authentication-overview.md): Learn when Meridian Accounts uses partner HMAC authentication versus Meridian JWT bearer authentication.
- [Choose your integration model](https://docs.mnai.com/products/meridian-accounts/guides/choose-your-integration-model.md): Understand how SINGLE_USER and MULTI_USER integrations differ and how that choice affects authentication and onboarding.
- [Client-server authentication with JWT](https://docs.mnai.com/products/meridian-accounts/guides/client-server-authentication-with-jwt.md): Use the Meridian access token as a bearer token after your backend has minted it with partner HMAC authentication.
- [Displaying account information](https://docs.mnai.com/products/meridian-accounts/guides/displaying-account-information.md): Learn how to use Meridian Accounts to display deposit instructions and account activity in your UI.
- [Getting started](https://docs.mnai.com/products/meridian-accounts/guides/getting-started.md): Set up your Meridian Accounts Sandbox credentials, understand how Meridian identifies your customers, and prepare for production access.
- [Information we collect](https://docs.mnai.com/products/meridian-accounts/guides/kyb-information.md): The business, ownership, and document information collected when opening a Meridian Account for a business (KYB).
- [Onboarding your customer](https://docs.mnai.com/products/meridian-accounts/guides/onboarding-your-customer.md): Enroll customers into a program, complete required onboarding steps, and activate their Meridian Account.
- [Server-to-server authentication with HMAC](https://docs.mnai.com/products/meridian-accounts/guides/server-to-server-authentication-with-hmac.md): Use Meridian partner credentials and an HMAC SHA-256 signature when your backend calls the Meridian Accounts API directly.
- [Account](https://docs.mnai.com/products/meridian-accounts/webhooks/webhooks-account.md): Learn when account webhooks are sent and what data they include.
- [Enrollment](https://docs.mnai.com/products/meridian-accounts/webhooks/webhooks-enrollment.md): Learn when enrollment webhooks are sent and what data they include.
- [Information Request](https://docs.mnai.com/products/meridian-accounts/webhooks/webhooks-information-request.md): Learn when Information Request webhooks are sent and what data they include.
- [Overview](https://docs.mnai.com/products/meridian-accounts/webhooks/webhooks-overview.md): Learn how Meridian Accounts delivers webhook notifications, including security, retries, and delivery behavior.
- [Transaction](https://docs.mnai.com/products/meridian-accounts/webhooks/webhooks-transaction.md): Learn when transaction webhooks are sent and what data they include.
- [Authentication](https://docs.mnai.com/products/payout-origination/authentication.md): Secure your API requests using HMAC SHA-256 signatures with pre-shared API keys, including step-by-step instructions and code examples.
- [Base64 payload encoding](https://docs.mnai.com/products/payout-origination/base64-payload-encoding.md): Learn how to prepare the Base64-encoded payload you send to the Payout Origination API.
- [JSON format](https://docs.mnai.com/products/payout-origination/json-format.md): Understand the Base64-encoded JSON payload Meridian accepts when you submit `POST /v1/payout-origination/json`.
- [Overview](https://docs.mnai.com/products/payout-origination/overview.md): Submit payout requests to Meridian for asynchronous validation and processing.
- [pacs.008 format](https://docs.mnai.com/products/payout-origination/pacs008-format.md): Understand the pacs.008 XML document Meridian expects you to Base64-encode and submit to the Payout Origination API.
- [Request a Sandbox](https://docs.mnai.com/products/payout-origination/sandbox.md): Request Sandbox credentials and set up a test environment to build and validate your Meridian Payout Origination integration before going live.
- [Supported formats](https://docs.mnai.com/products/payout-origination/supported-formats.md): See which message formats the Payout Origination API accepts and which path slug to use for each one.
- [Overview](https://docs.mnai.com/products/payout-origination/webhooks-overview.md): Learn how Meridian delivers webhook notifications, including security, retries, and delivery behavior.
- [Processing Status Updated](https://docs.mnai.com/products/payout-origination/webhooks-processing-status-updated.md): Learn when the processing status updated webhook is sent and what data it includes.
- [Introduction](https://docs.mnai.com/products/retail-va/api-reference/index.md): API reference for creating authenticated Virtual Accounts sessions, including base URLs, credentials, and authentication requirements.
- [Create a Session](https://docs.mnai.com/products/retail-va/api-reference/sessions/create-session.md): Create a Virtual Account Session to launch the hosted Meridian onboarding experience.
- [Delete a virtual account application](https://docs.mnai.com/products/retail-va/api-reference/simulations/delete-virtual-account-application.md): Delete a user's onboarding application so onboarding can be re-tested in the sandbox.
- [Virtual Account Transaction Created](https://docs.mnai.com/products/retail-va/api-reference/webhooks/webhooks-virtual-account-transaction-created.md): Learn when the virtual account transaction created webhook is sent and what data it includes.
- [Virtual Account Transaction Updated](https://docs.mnai.com/products/retail-va/api-reference/webhooks/webhooks-virtual-account-transaction-updated.md): Learn when the virtual account transaction updated webhook is sent and what data it includes.
- [Create a quote](https://docs.mnai.com/products/retail-va/api-reference/withdrawals/create-quote.md): Create a currency conversion quote that locks an exchange rate before initiating a withdrawal.
- [Create a withdrawal](https://docs.mnai.com/products/retail-va/api-reference/withdrawals/create-withdrawal.md): Execute a withdrawal from a virtual account using a previously created quote.
- [Authentication](https://docs.mnai.com/products/retail-va/authentication.md): Secure your API requests using HMAC SHA-256 signatures with pre-shared API keys, including step-by-step instructions and code examples.
- [Customization](https://docs.mnai.com/products/retail-va/customization.md): Configure branding, localization, and customer support settings to tailor the Virtual Accounts experience to your program.
- [Deposits](https://docs.mnai.com/products/retail-va/deposits.md): Learn how customers receive ACH and wire deposits into their Virtual Account, including the transaction lifecycle and Auto-sweep feature.
- [Retail Virtual Accounts](https://docs.mnai.com/products/retail-va/index.md): Embed Meridian Virtual Accounts in your app so users can generate U.S. bank account details and receive transfers, including payroll deposits.
- [Information we collect](https://docs.mnai.com/products/retail-va/kyc-information.md): The customer information collected during Retail Virtual Account onboarding for KYC.
- [Request a Sandbox](https://docs.mnai.com/products/retail-va/sandbox.md): Request Sandbox credentials and set up a test environment to build and validate your Meridian integration before going live.
- [Session management](https://docs.mnai.com/products/retail-va/session-management.md): Create and manage authenticated sessions that launch Meridian's hosted Virtual Accounts UI inside your application's WebView.
- [Simulate KYC outcomes](https://docs.mnai.com/products/retail-va/simulate-kyc.md): Use sandbox test inputs to simulate different KYC application outcomes during development and testing.
- [WebView](https://docs.mnai.com/products/retail-va/web-view.md): The Virtual Accounts experience must be loaded in a WebView environment that supports all required capabilities for onboarding and account management.
- [Webhooks](https://docs.mnai.com/products/retail-va/webhooks-overview.md): Learn how Meridian delivers real-time event notifications to your system via HTTP POST webhooks, including configuration, security, and retry behavior.
- [Withdrawals](https://docs.mnai.com/products/retail-va/withdrawals.md): Learn how customers withdraw funds from their Virtual Account and receive local currency payouts through your Credit API.

## OpenAPI Specs

- [retail-rtd](https://docs.mnai.com/products/retail-va/api-reference/retail-rtd.json)
- [payout-origination](https://docs.mnai.com/products/payout-origination/api-reference/payout-origination.json)
- [webhooks](https://docs.mnai.com/products/meridian-accounts/webhooks/webhooks.json)
- [meridian-accounts](https://docs.mnai.com/products/meridian-accounts/api-reference/meridian-accounts.json)