Retail Virtual Accounts

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Customer and program eligibility

The Retail Virtual Accounts product is available to individual customers within supported jurisdictions, subject to Meridian’s compliance and risk requirements. Beyond the customer information you provide, Meridian collects further details within the hosted experience to determine eligibility. This includes:

• Employment and source-of-funds information
• Government-issued photo ID
• A live selfie for identity verification

Meridian performs these checks as part of the onboarding flow. Customers must complete them to open and maintain a virtual account. Customers must not hold a U.S. Social Security Number (SSN) to be eligible for the Virtual Accounts product.

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Embedded web experience

The Virtual Accounts product is a web-based experience designed to be embedded inside your mobile application using a WebView. This lets you integrate the full onboarding and account management flow directly into your app while maintaining a consistent, branded experience. The Virtual Accounts flow requires camera access for identity verification, including photo ID capture and selfie checks. Configure the embedded WebView to support camera permissions, cookies, local storage, JavaScript, and standard browser APIs.

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Money movement

Meridian notifies you when funds arrive in the Virtual Account and can move them to your platform through an integration with your systems. You can configure each account to “Auto-sweep” funds immediately to the linked account on your platform. Alternatively, let your customers manage their balance and decide when to transfer funds. To perform money movement, Meridian needs the ability to instruct fund transfers on your platform. Your Solutions Engineer will request documentation on your Credit API.