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Debit Card Payouts (Instant Payouts)

Instant Payouts let you send funds to a Visa or Mastercard debit card in as little as 30 minutes — any time of day, including weekends and holidays.

Eligibility​

Instant Payouts are available for accounts that:

  • Are verified and in good standing
  • Have a positive available Meridian balance
  • Have a linked and verified debit card

Instant Payouts are currently supported in the US and select other countries. Check availability in the Dashboard.

Add a debit card​

curl https://api.meridian.dev/v1/accounts/acct_YourAccountId/external_accounts \
  -u sk_test_4eC39HqL...: \
  -d "external_account[object]"=card \
  -d "external_account[number]"=4000056655665556 \
  -d "external_account[exp_month]"=12 \
  -d "external_account[exp_year]"=2027 \
  -d "external_account[cvc]"=123 \
  -d "external_account[name]"="Priya Sharma"

Create an Instant Payout​

const payout = await meridian.payouts.create({
  amount: 10000,           // $100.00
  currency: 'usd',
  destination: 'card_DebitCardId',
  method: 'instant',
});

console.log(payout.method);        // 'instant'
console.log(payout.arrival_date);  // typically within 30 minutes

Fees​

Instant Payouts have a fee of 1% of the payout amount (minimum $0.50, maximum $10.00 per payout). The fee is deducted from your Meridian balance, not added to the payout amount.

Limits​

LimitAmount
Minimum payout$1.00
Maximum per payout$10,000.00
Daily limit$100,000.00