> ## 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.

# Introduction

> API reference for creating authenticated Virtual Accounts sessions, including base URLs, credentials, and authentication requirements.

<Tip>
  All API calls must be made from your backend. Client applications must never call Meridian APIs directly.
</Tip>

## Base URLs

| Environment | URL                                          | Purpose                   |
| :---------- | :------------------------------------------- | :------------------------ |
| Sandbox     | `https://rtd-us.sandbox.api.meridianpay.com` | Testing and certification |
| Production  | `https://rtd-us.api.meridianpay.com`         | Live traffic              |

Meridian provides your credentials and endpoint access for the Sandbox environment during onboarding. Always validate your integration against Sandbox before requesting production access.

## Example credentials

| Credential         | Sandbox                              | Production                           |
| ------------------ | ------------------------------------ | ------------------------------------ |
| API Key            | `akey_test_q5zemhdwub8ztw2mlpykvhu0` | `akey_live_q5zemhdwub8ztw2mlpykvhu0` |
| API Secret         | `asec_test_t44ne6ipaneugxurs13ly55t` | `asec_live_t44ne6ipaneugxurs13ly55t` |
| Webhook API Key    | `wkey_test_z212127xb84fntpw4whvhd9x` | `wkey_live_z212127xb84fntpw4whvhd9x` |
| Webhook API Secret | `wsec_test_tolihur9tjlbah7558uuojf3` | `wsec_live_tolihur9tjlbah7558uuojf3` |