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Instant bank transfers work by instructing the bank to perform an intra-bank transfer between Meridian’s sponsored account and the customer’s account at the home bank. Because these transfers settle within the bank’s own systems, a single bank partner integration can serve all Meridian products — Retail Virtual Accounts, Meridian Accounts for Business, and Payment Collections.

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Meridian’s integration approach

Meridian’s Implementation team owns the integration with each bank partner’s Credit or Debit API. Because API specifications are entirely partner-dependent, Meridian adapts to the API specification the bank partner provides.
In many cases, the Credit and Debit API may be the same API at the bank. That single intra-bank account-to-account book transfer API supports both push and pull directions. If a bank partner does not have an existing API, Meridian can provide consultation to help scope the integration and define requirements before development begins.

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Integration types

Credit API

Push funds from Meridian’s sponsored account to an account holder’s account.

Debit API

Pull funds from an account holder’s account into Meridian’s sponsored account.