Create a Withdrawal
curl --request POST \
--url https://sandbox.api.mnai.com/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: <api-key>' \
--header 'X-Meridian-Timestamp: <x-meridian-timestamp>' \
--data '
{
"amount": 50,
"quoteId": "quote_01HT2P6W9PC2QV4W0Q63QMFJ44",
"externalRef": "order-2026-00142"
}
'import requests
url = "https://sandbox.api.mnai.com/v1/users/{userId}/virtual-accounts/{accountId}/withdrawals"
payload = {
"amount": 50,
"quoteId": "quote_01HT2P6W9PC2QV4W0Q63QMFJ44",
"externalRef": "order-2026-00142"
}
headers = {
"X-Meridian-Api-Key": "<x-meridian-api-key>",
"X-Meridian-Timestamp": "<x-meridian-timestamp>",
"X-Meridian-Signature": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {
'X-Meridian-Api-Key': '<x-meridian-api-key>',
'X-Meridian-Timestamp': '<x-meridian-timestamp>',
'X-Meridian-Signature': '<api-key>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
amount: 50,
quoteId: 'quote_01HT2P6W9PC2QV4W0Q63QMFJ44',
externalRef: 'order-2026-00142'
})
};
fetch('https://sandbox.api.mnai.com/v1/users/{userId}/virtual-accounts/{accountId}/withdrawals', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://sandbox.api.mnai.com/v1/users/{userId}/virtual-accounts/{accountId}/withdrawals",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'amount' => 50,
'quoteId' => 'quote_01HT2P6W9PC2QV4W0Q63QMFJ44',
'externalRef' => 'order-2026-00142'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"X-Meridian-Api-Key: <x-meridian-api-key>",
"X-Meridian-Signature: <api-key>",
"X-Meridian-Timestamp: <x-meridian-timestamp>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://sandbox.api.mnai.com/v1/users/{userId}/virtual-accounts/{accountId}/withdrawals"
payload := strings.NewReader("{\n \"amount\": 50,\n \"quoteId\": \"quote_01HT2P6W9PC2QV4W0Q63QMFJ44\",\n \"externalRef\": \"order-2026-00142\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("X-Meridian-Api-Key", "<x-meridian-api-key>")
req.Header.Add("X-Meridian-Timestamp", "<x-meridian-timestamp>")
req.Header.Add("X-Meridian-Signature", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://sandbox.api.mnai.com/v1/users/{userId}/virtual-accounts/{accountId}/withdrawals")
.header("X-Meridian-Api-Key", "<x-meridian-api-key>")
.header("X-Meridian-Timestamp", "<x-meridian-timestamp>")
.header("X-Meridian-Signature", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"amount\": 50,\n \"quoteId\": \"quote_01HT2P6W9PC2QV4W0Q63QMFJ44\",\n \"externalRef\": \"order-2026-00142\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://sandbox.api.mnai.com/v1/users/{userId}/virtual-accounts/{accountId}/withdrawals")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["X-Meridian-Api-Key"] = '<x-meridian-api-key>'
request["X-Meridian-Timestamp"] = '<x-meridian-timestamp>'
request["X-Meridian-Signature"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"amount\": 50,\n \"quoteId\": \"quote_01HT2P6W9PC2QV4W0Q63QMFJ44\",\n \"externalRef\": \"order-2026-00142\"\n}"
response = http.request(request)
puts response.read_body{
"transaction": {
"createdAt": "<string>",
"id": "<string>",
"status": "PENDING",
"transactionRef": "<string>",
"type": "DEPOSIT",
"updatedAt": "<string>",
"userId": "<string>",
"virtualAccountId": "<string>",
"debitAmount": "50.00",
"debitCurrency": "USD",
"depositType": "<string>",
"exchangeRate": "56.00",
"externalRef": "order-2026-00142",
"fees": [
{
"amount": "5.00",
"currency": "USD",
"label": "Wire processing fee",
"type": "WIRE_PROCESSING_FEE"
}
],
"fromAmount": "50.00",
"fromCurrency": "USD",
"originatorAccount": "<string>",
"originatorInstitution": "<string>",
"originatorMemo": "<string>",
"originatorName": "<string>",
"receiverAccount": "<string>",
"receiverInstitution": "<string>",
"receiverName": "<string>",
"relatedId": "<string>",
"relatedIdType": "PAYMENT_LINK",
"statusReason": "<string>",
"toAmount": "2800.00",
"toCurrency": "PHP"
}
}{
"transaction": {
"createdAt": "<string>",
"id": "<string>",
"status": "PENDING",
"transactionRef": "<string>",
"type": "DEPOSIT",
"updatedAt": "<string>",
"userId": "<string>",
"virtualAccountId": "<string>",
"debitAmount": "50.00",
"debitCurrency": "USD",
"depositType": "<string>",
"exchangeRate": "56.00",
"externalRef": "order-2026-00142",
"fees": [
{
"amount": "5.00",
"currency": "USD",
"label": "Wire processing fee",
"type": "WIRE_PROCESSING_FEE"
}
],
"fromAmount": "50.00",
"fromCurrency": "USD",
"originatorAccount": "<string>",
"originatorInstitution": "<string>",
"originatorMemo": "<string>",
"originatorName": "<string>",
"receiverAccount": "<string>",
"receiverInstitution": "<string>",
"receiverName": "<string>",
"relatedId": "<string>",
"relatedIdType": "PAYMENT_LINK",
"statusReason": "<string>",
"toAmount": "2800.00",
"toCurrency": "PHP"
}
}{
"hasValidationErrors": true,
"message": "<string>",
"validationErrors": [
{
"type": "InvalidFormat",
"fieldRef": "<string>",
"message": "<string>"
}
],
"errorCode": "<string>"
}{
"hasValidationErrors": true,
"message": "<string>",
"validationErrors": [
{
"type": "InvalidFormat",
"fieldRef": "<string>",
"message": "<string>"
}
],
"errorCode": "<string>"
}{
"hasValidationErrors": true,
"message": "<string>",
"validationErrors": [
{
"type": "InvalidFormat",
"fieldRef": "<string>",
"message": "<string>"
}
],
"errorCode": "<string>"
}Withdrawals
Create a withdrawal
deprecated
Execute a withdrawal from a virtual account using a previously created quote.
POST
/
v1
/
users
/
{userId}
/
virtual-accounts
/
{accountId}
/
withdrawals
Create a Withdrawal
curl --request POST \
--url https://sandbox.api.mnai.com/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: <api-key>' \
--header 'X-Meridian-Timestamp: <x-meridian-timestamp>' \
--data '
{
"amount": 50,
"quoteId": "quote_01HT2P6W9PC2QV4W0Q63QMFJ44",
"externalRef": "order-2026-00142"
}
'import requests
url = "https://sandbox.api.mnai.com/v1/users/{userId}/virtual-accounts/{accountId}/withdrawals"
payload = {
"amount": 50,
"quoteId": "quote_01HT2P6W9PC2QV4W0Q63QMFJ44",
"externalRef": "order-2026-00142"
}
headers = {
"X-Meridian-Api-Key": "<x-meridian-api-key>",
"X-Meridian-Timestamp": "<x-meridian-timestamp>",
"X-Meridian-Signature": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {
'X-Meridian-Api-Key': '<x-meridian-api-key>',
'X-Meridian-Timestamp': '<x-meridian-timestamp>',
'X-Meridian-Signature': '<api-key>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
amount: 50,
quoteId: 'quote_01HT2P6W9PC2QV4W0Q63QMFJ44',
externalRef: 'order-2026-00142'
})
};
fetch('https://sandbox.api.mnai.com/v1/users/{userId}/virtual-accounts/{accountId}/withdrawals', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://sandbox.api.mnai.com/v1/users/{userId}/virtual-accounts/{accountId}/withdrawals",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'amount' => 50,
'quoteId' => 'quote_01HT2P6W9PC2QV4W0Q63QMFJ44',
'externalRef' => 'order-2026-00142'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"X-Meridian-Api-Key: <x-meridian-api-key>",
"X-Meridian-Signature: <api-key>",
"X-Meridian-Timestamp: <x-meridian-timestamp>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://sandbox.api.mnai.com/v1/users/{userId}/virtual-accounts/{accountId}/withdrawals"
payload := strings.NewReader("{\n \"amount\": 50,\n \"quoteId\": \"quote_01HT2P6W9PC2QV4W0Q63QMFJ44\",\n \"externalRef\": \"order-2026-00142\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("X-Meridian-Api-Key", "<x-meridian-api-key>")
req.Header.Add("X-Meridian-Timestamp", "<x-meridian-timestamp>")
req.Header.Add("X-Meridian-Signature", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://sandbox.api.mnai.com/v1/users/{userId}/virtual-accounts/{accountId}/withdrawals")
.header("X-Meridian-Api-Key", "<x-meridian-api-key>")
.header("X-Meridian-Timestamp", "<x-meridian-timestamp>")
.header("X-Meridian-Signature", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"amount\": 50,\n \"quoteId\": \"quote_01HT2P6W9PC2QV4W0Q63QMFJ44\",\n \"externalRef\": \"order-2026-00142\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://sandbox.api.mnai.com/v1/users/{userId}/virtual-accounts/{accountId}/withdrawals")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["X-Meridian-Api-Key"] = '<x-meridian-api-key>'
request["X-Meridian-Timestamp"] = '<x-meridian-timestamp>'
request["X-Meridian-Signature"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"amount\": 50,\n \"quoteId\": \"quote_01HT2P6W9PC2QV4W0Q63QMFJ44\",\n \"externalRef\": \"order-2026-00142\"\n}"
response = http.request(request)
puts response.read_body{
"transaction": {
"createdAt": "<string>",
"id": "<string>",
"status": "PENDING",
"transactionRef": "<string>",
"type": "DEPOSIT",
"updatedAt": "<string>",
"userId": "<string>",
"virtualAccountId": "<string>",
"debitAmount": "50.00",
"debitCurrency": "USD",
"depositType": "<string>",
"exchangeRate": "56.00",
"externalRef": "order-2026-00142",
"fees": [
{
"amount": "5.00",
"currency": "USD",
"label": "Wire processing fee",
"type": "WIRE_PROCESSING_FEE"
}
],
"fromAmount": "50.00",
"fromCurrency": "USD",
"originatorAccount": "<string>",
"originatorInstitution": "<string>",
"originatorMemo": "<string>",
"originatorName": "<string>",
"receiverAccount": "<string>",
"receiverInstitution": "<string>",
"receiverName": "<string>",
"relatedId": "<string>",
"relatedIdType": "PAYMENT_LINK",
"statusReason": "<string>",
"toAmount": "2800.00",
"toCurrency": "PHP"
}
}{
"transaction": {
"createdAt": "<string>",
"id": "<string>",
"status": "PENDING",
"transactionRef": "<string>",
"type": "DEPOSIT",
"updatedAt": "<string>",
"userId": "<string>",
"virtualAccountId": "<string>",
"debitAmount": "50.00",
"debitCurrency": "USD",
"depositType": "<string>",
"exchangeRate": "56.00",
"externalRef": "order-2026-00142",
"fees": [
{
"amount": "5.00",
"currency": "USD",
"label": "Wire processing fee",
"type": "WIRE_PROCESSING_FEE"
}
],
"fromAmount": "50.00",
"fromCurrency": "USD",
"originatorAccount": "<string>",
"originatorInstitution": "<string>",
"originatorMemo": "<string>",
"originatorName": "<string>",
"receiverAccount": "<string>",
"receiverInstitution": "<string>",
"receiverName": "<string>",
"relatedId": "<string>",
"relatedIdType": "PAYMENT_LINK",
"statusReason": "<string>",
"toAmount": "2800.00",
"toCurrency": "PHP"
}
}{
"hasValidationErrors": true,
"message": "<string>",
"validationErrors": [
{
"type": "InvalidFormat",
"fieldRef": "<string>",
"message": "<string>"
}
],
"errorCode": "<string>"
}{
"hasValidationErrors": true,
"message": "<string>",
"validationErrors": [
{
"type": "InvalidFormat",
"fieldRef": "<string>",
"message": "<string>"
}
],
"errorCode": "<string>"
}{
"hasValidationErrors": true,
"message": "<string>",
"validationErrors": [
{
"type": "InvalidFormat",
"fieldRef": "<string>",
"message": "<string>"
}
],
"errorCode": "<string>"
}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.
Authorizations
Meridian HMAC header authentication.
Required headers:
- X-Meridian-Api-Key
- X-Meridian-Timestamp
- X-Meridian-Signature
X-Meridian-Signature is the HMAC SHA-256 signature of the canonical request string, computed per request as HMAC-SHA256(apiKey + timestamp + method + path + body). See Authentication for how to construct it.
Headers
API key issued by Meridian during provisioning.
Current time in milliseconds since the Unix epoch. Must be within 10 seconds of the request.
Path Parameters
ID of the user initiating the withdrawal
ID of the virtual account to withdraw from
Body
application/json
Request body for creating a virtual account withdrawal transaction
Amount to withdraw from the virtual account
Example:
50
Quote ID for the withdrawal
Example:
"quote_01HT2P6W9PC2QV4W0Q63QMFJ44"
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
The withdrawal was already processed for this quote; the existing transaction is returned (idempotent replay)
Response returned after creating a withdrawal transaction.
The created withdrawal transaction
Show child attributes
Show child attributes
⌘I