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POST
/
v1
/
users
/
{userId}
/
virtual-accounts
/
{accountId}
/
withdrawals
Create a Withdrawal
curl --request POST \
  --url https://remittances.sandbox.api-us.meridianapps.dev:80/v1/users/{userId}/virtual-accounts/{accountId}/withdrawals \
  --header 'Content-Type: application/json' \
  --header 'X-Meridian-Api-Key: <x-meridian-api-key>' \
  --header 'X-Meridian-Signature: <x-meridian-signature>' \
  --header 'X-Meridian-Timestamp: <x-meridian-timestamp>' \
  --data '
{
  "amount": 50,
  "quoteId": "quote_01HT2P6W9PC2QV4W0Q63QMFJ44",
  "externalRef": "order-2026-00142"
}
'
{
  "transaction": {
    "createdAt": "<string>",
    "fees": [
      {
        "amount": "5.00",
        "currency": "USD",
        "label": "Wire processing fee",
        "type": "WIRE_PROCESSING_FEE"
      }
    ],
    "id": "<string>",
    "transactionRef": "<string>",
    "updatedAt": "<string>",
    "userId": "<string>",
    "virtualAccountId": "<string>",
    "debitAmount": "50.00",
    "debitCurrency": "USD",
    "depositType": "<string>",
    "exchangeRate": "56.00",
    "externalRef": "order-2026-00142",
    "fromAmount": "50.00",
    "fromCurrency": "USD",
    "originatorAccount": "<string>",
    "originatorInstitution": "<string>",
    "originatorMemo": "<string>",
    "originatorName": "<string>",
    "receiverAccount": "<string>",
    "receiverInstitution": "<string>",
    "receiverName": "<string>",
    "relatedId": "<string>",
    "statusReason": "<string>",
    "toAmount": "2800.00",
    "toCurrency": "PHP"
  }
}
Legacy endpoint. This is part of the legacy withdrawal flow and will be deprecated. An upcoming Transactions Intent API will replace it. Avoid building new integrations against this endpoint — contact your Solutions Engineer for migration guidance.

Headers

​
X-Meridian-Api-Key
string
required

API key issued by Meridian during provisioning. See Authentication.

​
X-Meridian-Timestamp
string
required

Current time in milliseconds since the Unix epoch. Must be within 60 seconds of the request. See Authentication.

​
X-Meridian-Signature
string
required

HMAC SHA-256 signature of the canonical request string, computed per request. See Authentication for how to construct it.

Path Parameters

​
userId
string
required

ID of the user initiating the withdrawal

​
accountId
string
required

ID of the virtual account to withdraw from

Body

application/json

Request body for creating a virtual account withdrawal transaction

​
amount
number
required

Amount to withdraw from the virtual account

Example:

50

​
quoteId
string
required

Quote ID for the withdrawal

Example:

"quote_01HT2P6W9PC2QV4W0Q63QMFJ44"

​
externalRef
null | string

A unique reference from your own systems used to identify and reconcile this transaction, such as a contract number, order ID, or internal transaction reference.

Example:

"order-2026-00142"

Response

Details of the created transaction

Response returned after creating a withdrawal transaction.

​
transaction
null | VirtualAccountTransactionDto · object

The created withdrawal transaction