Meridian

REST API

A few lines to get started

Every operation — from issuing accounts to initiating cross-border payouts — is a single authenticated HTTP request.

POST /v1/accounts

Create Account

curl -X POST \
  https://api.meridianpay.com/v1/accounts \
  -H "Authorization: Bearer sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "type": "checking",
    "owner": {
      "name": "Maria Santos",
      "country": "PH"
    },
    "currency": "USD",
    "institution_id": "inst_001"
  }'

POST /v1/payouts

Initiate Payout

curl -X POST \
  https://api.meridianpay.com/v1/payouts \
  -H "Authorization: Bearer sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 500000,
    "currency": "PHP",
    "destination": {
      "account_id": "acct_9xK2m",
      "rail": "instapay"
    },
    "idempotency_key": "payout_2026_001"
  }'

POST /v1/fx/quotes

Get FX Quote

curl -X POST \
  https://api.meridianpay.com/v1/fx/quotes \
  -H "Authorization: Bearer sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "from_currency": "USD",
    "to_currency": "PHP",
    "amount": 10000,
    "lock": true,
    "lock_duration": "48h"
  }'

API Capabilities

Everything cross-border finance requires

Purpose-built endpoints for every stage of the cross-border payment lifecycle — from account issuance to final settlement.

Accounts API

Create and manage named bank accounts for end-clients. Issue accounts programmatically, retrieve balances, and list all accounts under your institution.

Payments API

Send and receive cross-border payments across Fedwire, ACH, and local rails. Track payment status in real time with full transaction lineage.

Collections API

Initiate ACH debits and recurring collections. Monitor collection status, handle failures, and manage retry logic — all via API.

Payouts API

Disburse funds locally across ASEAN and EMEA via the fastest available rail. Supports single and batch payouts with real-time delivery tracking.

Webhooks

Subscribe to real-time event notifications for payments, collections, FX settlements, and account changes. Signed payloads for secure verification.

Developer Experience

Built for engineers, not just integration guides

Meridian's developer platform gives you everything you need to move fast — from a fully-featured sandbox to production-grade tooling.

Full-fidelity sandbox

Simulate every payment event — including failures, delays, and edge cases — before touching production.

Comprehensive docs

API reference, quickstarts, and integration guides. Every endpoint documented with request and response examples.

SDKs for Node.js, Python, Go & Java

Idiomatic client libraries that wrap the REST API. Type-safe, actively maintained, open source.

Webhook testing tools

Replay, inspect, and forward webhook events in the sandbox. Verify signatures with a single CLI command.

Idempotency keys

Safe retries on every mutation endpoint. Pass an idempotency key and the API guarantees exactly-once execution.

Detailed error messages

Machine-readable error codes with human-readable descriptions. No guessing what went wrong.

POST https://your-server.com/webhooks

Webhook Payload

{
  "id": "evt_01HX9K2N4P8WQRT",
  "type": "payment.completed",
  "created": "2026-02-15T14:32:00Z",
  "data": {
    "payment_id": "pay_01HX9J7M3Q2VKST",
    "amount": 1000000,
    "currency": "PHP",
    "status": "completed",
    "settled_at": "2026-02-15T14:32:01Z",
    "destination": {
      "account_id": "acct_9xK2m",
      "rail": "instapay",
      "reference": "MNAI2602150001"
    },
    "metadata": {
      "client_ref": "RCBC-2026-48291"
    }
  },
  "signature": "sha256=3b4c5d6e7f..."
}

Integration Timeline

From sandbox to production in weeks

A structured onboarding process built around your engineering and compliance timelines.

Week 1–2

Sandbox integration

Receive sandbox API keys, explore the full API surface, and run end-to-end tests against Meridian's staging environment. Full parity with production.

Week 3–4

Compliance review

Submit your institution's compliance documentation. Meridian's team reviews AML controls, KYC flows, and licensing. Production credentials issued on approval.

Week 4–6

Go live

Flip the switch to production traffic. Dedicated support during your first 30 days. Full observability via the Meridian dashboard and API.

SDKs & Tools

Client libraries for every stack

Idiomatic SDKs that wrap the REST API so you spend time building, not parsing HTTP responses.

Node.js

npm install @meridianpay/sdk

Python

pip install meridianpay

Go

go get github.com/meridianpay/sdk-go

Java

Coming soon

One API for Cross-Border Clearing