Virtual Account Flow Testing Credentials

This page is for developers testing the Virtual Account flow in sandbox. It lists the test values you need per provider (Noah, Due, Brale) to create customers, quotes, and orders. For the full integration walkthrough, see the Virtual Account Integration Guide.

Sandbox limitation: Provider sandboxes do not move real money. Onramp: you can complete the flow end to end for Noah and Due Network. Call the simulate endpoint instead of sending fiat, and the transaction reaches SETTLED — see Simulate a deposit. Brale has no sandbox deposit simulator, so there you stop at creating the virtual bank account. Offramp: the furthest you can reach is receiving a deposit address. There is no way to settle an offramp in sandbox.

Before you start

Create a customerId via POST /accounts/customers (see Step 1 of the integration guide). If you need a business customer for KYB testing, contact Meld.
Complete KYC for the customer (see below). Wait for the provider’s KYC to reach APPROVED, not just Sumsub.
Ask Meld support to enable whitelabel mode for each provider you intend to test. Without it, virtual account calls fail with 403 WHITELABEL_NOT_ENABLED even for a fully KYC’d customer.
Fetch supported crypto currencies for your intended provider — call GET /service-providers/properties/crypto-currencies with serviceProviders and categories=CRYPTO_VIRTUAL_ACCOUNT_ONRAMP (or CRYPTO_VIRTUAL_ACCOUNT_OFFRAMP) to see what’s available in sandbox.
Use the test values below when creating quotes and orders. Wallet addresses can be any valid address for the token’s chain.

Sandbox KYC

To KYC a user in sandbox, follow the instructions in KYC testing → Meld KYCes the user.

Noah

Onramp (buy)

Field	Value
Country	US
Fiat Currency	USD
Fiat Amount	100
Token	USDC
Payment Method	ACH

Offramp (sell)

Field	Value
Country	US
Fiat Currency	USD
Fiat Amount	100
Token	USDC
Payment Method	ACH

Due Network

Note: Due does not operate in the US. Use a non-US customer and EUR as the fiat currency.

Onramp (buy)

Field	Value
Fiat Currency	EUR
Token	USDT_TRON
Payment Method	SEPA

Offramp (sell)

Field	Value
Fiat Currency	EUR
Fiat Amount	100
Token	USDC
Payment Method	SEPA

Brale

Brale does not support quotes. All exchanges are 1:1 between USD and USD-backed stablecoins.

Onramp (buy)

Field	Value
Country	US
Fiat Currency	USD
Fiat Amount	100
Token	USDC
Payment Method	LOCAL_BANK_TRANSFER

Simulate a deposit

You cannot send real fiat to a sandbox virtual account, so there is nothing to trigger settlement. Call the endpoint below instead: Meld creates a test deposit into the standing account you fetched with POST /payments/virtual-account/deposit-instructions, and the provider’s normal webhooks settle it exactly as in production.

Provider	Deposit simulation	`paymentMethodType`	Fiat
Noah	Supported	`ACH`	USD
Due Network	Supported	`SEPA`	EUR (non-US customer)
Brale	Not supported	—	—

Sandbox only. In production this endpoint returns 404.

Onramp (payin) only. There is no offramp equivalent — an offramp cannot be settled in sandbox.

Simulate the deposit

Endpoint: POST /payments/mock/headless/virtual-account/simulate-deposit Repeat the provider, rail, currencies and destination wallet from your deposit instructions, and set amount to the amount you want deposited.

{
  "customerId": "WmYR41hXGu8nSDwNTA4ZjY",
  "serviceProvider": "NOAH",
  "paymentMethodType": "ACH",
  "sourceCurrencyCode": "USD",
  "destinationCurrencyCode": "USDC",
  "destinationWalletAddress": "0x1ab6f09b58ef63b38cee48af542561c75f2cd44c",
  "amount": "25"
}

Confirm settlement

Settlement is asynchronous, so the transaction does not exist yet when the simulate call returns. Normally you react to the TRANSACTION_CRYPTO_* webhooks you subscribed to in Payins. If you are scripting a test, or have not set up a sandbox webhook endpoint, poll instead until a new transaction reads SETTLED — typically 30 to 90 seconds. Endpoint: GET /payments/transactions?customerIds={customerId} Abridged — a transaction carries many more fields. See Payins → Fetch the full transaction for the full shape.

{
  "transactions": [
    {
      "id": "WmZpNL9YBPeEKG4vJkwG9Q",
      "serviceProvider": "NOAH",
      "transactionType": "CRYPTO_PURCHASE",
      "status": "SETTLED",
      "sourceAmount": 25.0,
      "sourceCurrencyCode": "USD"
    }
  ]
}

Troubleshooting

Response	Cause
`403 WHITELABEL_NOT_ENABLED`	Whitelabel mode is not enabled for that provider on your account. Contact Meld.
`403 KYC_NOT_COMPLETED`	The provider’s KYC for this customer is not `APPROVED`.
`400` with Due’s `err_tos_not_accepted`	The customer has not accepted Due Network’s terms.
`400 ... currently supports only ...`	That provider has no sandbox deposit simulator.
`404`	You are calling production, where this endpoint does not exist.
`200` but nothing settles	The provider accepted it and the webhook is in flight. Keep polling.

Testing tips

Wallet addresses can be any valid address for the token’s chain. Some providers validate that the address format matches (e.g. a TRON address for USDT_TRON).
To see which currencies and payment methods a provider supports in sandbox, call GET /service-providers/properties/crypto-currencies with the provider name and relevant category.
Start with the onramp (buy) flow — it is the most complete path in sandbox.
Include X-Idempotency-Key on order requests so you can safely retry without creating duplicates.
Webhook events (TRANSACTION_CRYPTO_PENDING, etc.) may or may not fire in sandbox depending on the provider. If yours do not arrive, poll GET /payments/transactions instead — see Simulate a deposit.

Welcome

AI Toolkit

Meld API

Stablecoins & Digital Assets

Bank Linking

Virtual Account Flow Testing Credentials

Before you start

Sandbox KYC

Noah

Onramp (buy)

Offramp (sell)

Due Network

Onramp (buy)

Offramp (sell)

Brale

Onramp (buy)

Simulate a deposit

Simulate the deposit

Confirm settlement

Troubleshooting

Testing tips

​Before you start

​Sandbox KYC

​Noah

​Onramp (buy)

​Offramp (sell)

​Due Network

​Onramp (buy)

​Offramp (sell)

​Brale

​Onramp (buy)

​Simulate a deposit

​Simulate the deposit

​Confirm settlement

​Troubleshooting

​Testing tips

Before you start

Sandbox KYC

Noah

Onramp (buy)

Offramp (sell)

Due Network

Onramp (buy)

Offramp (sell)

Brale

Onramp (buy)

Simulate a deposit

Simulate the deposit

Confirm settlement

Troubleshooting

Testing tips