Accounts API

Connect Accounts let you build platforms and marketplaces where other businesses or individuals accept payments. Your platform creates and manages connected accounts on behalf of your users.

Account types

Type	Description
standard	Full Meridian account. User onboards directly with Meridian.
express	Streamlined onboarding hosted by Meridian. Platform has limited management.
custom	Platform has full control. No Meridian-hosted UI for the user.

Create an Account

POST /v1/accounts

curl https://api.meridian.dev/v1/accounts \
  -u sk_test_4eC39HqL...: \
  -d type=express \
  -d country=US \
  -d email=business@example.com \
  -d "capabilities[card_payments][requested]"=true \
  -d "capabilities[transfers][requested]"=true

Create an Account Link (onboarding)

Generate a URL to send the user to Meridian's onboarding flow:

const accountLink = await meridian.accountLinks.create({
  account: 'acct_AccountId',
  refresh_url: 'https://yourplatform.com/reauth',
  return_url: 'https://yourplatform.com/return',
  type: 'account_onboarding',
});

// Redirect the user to accountLink.url

Retrieve an Account

GET /v1/accounts/:id

curl https://api.meridian.dev/v1/accounts/acct_AccountId \
  -u sk_test_4eC39HqL...:

Check onboarding status

const account = await meridian.accounts.retrieve('acct_AccountId');

if (account.charges_enabled && account.payouts_enabled) {
  console.log('Account is fully onboarded');
} else {
  console.log('Pending requirements:', account.requirements.currently_due);
}