> ## 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.

# Overview

> How Meridian instructs bank partners to move money in real time.

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.

## 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.

<Note>
  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.
</Note>

## Integration types

<CardGroup cols={2}>
  <Card title="Credit API" href="/products/bank-transfers/credit-api">
    Push funds from Meridian's sponsored account to an account holder's account.
  </Card>

  <Card title="Debit API" href="/products/bank-transfers/debit-api">
    Pull funds from an account holder's account into Meridian's sponsored account.
  </Card>
</CardGroup>