Custom Program
Messages
Category 1: AccountEvent

An AccountEvent message is triggered when an event occurs on an account (card activated, updated profile, card shipped, etc.). The values passed in will vary depending on the event type.

Account Event Template Values

Value

Format

Description

Example/ Notes

type

string

Event message category

accountevent

prod_id

number(10)

The product ID of the account

1701

prog_id

number(10)

The program ID of the account

305

pmt_ref_no

number(12)

The payment reference number of the account

240138597642

open_to_buy

Number (9,2)

The current open_to_buy (balance) of the account

$19.01

msg_in_ts

timestamp (yyyy-mm-dd hh:mi:ss tmz)

The original time at which this event was created

2019-10-09 11:20:33 MST

balance_id

number(10)

The balance ID of the account

2011

msg_event_id

number(10)

Unique identifier for account event message

1234567891

cad

number(10)

Galileo Reference to specific card

12534

new_status

char(1)

New status from change message

N

status

char(1)

Card Status

X

protected_pan_four

Number(4)

Last four of PAN

9741

 

Available Account Event messages

Alert Name

Code

Description

account_closed

ACCL

Account has been closed

addr_chg

ADRC

Cardholders’ address has been updated

app_completed

CAPP

Application Completed. Cardholder has successfully completed the enrollment process to apply for a card.

bal

BBAL

Account Balance. This event is triggered daily when the account has a positive balance.  (neg_bal and bal are mutually exclusive)

card_activated

BACT

Card Activated

card_expiring

RBEX

Card Expiration notification.  A daily scheduled process must be added to create this notification.

card_returned

PSUC

Returned card received in shipping department

card_shipped

SHIP

Card Shipped. Galileo has submitted the create card request to the 3rd party embosser.

card_status_change

CSNT

Changes to the following card statuses will be reported- Cancelled, Cancelled with Refund, Cancelled awaiting Repayment, Failed ID verification, and Passed ID.

email_addr_change

ECHG

Notification that the cardholder’s information record has been updated with a new email address.

failed_id

FTID

Failed AVS/TransUnion ID Verification

federal_benefits_status_confirmed

FBSC

Federal Benefits enrollment status confirmed

federal_benefits_status_deposit

FBSD

Federal Benefits enrollment deposit

federal_benefits_status_resubmit

FBSM

Federal Benefits enrollment status resubmitted

federal_benefits_status_submitted

FBSS

Federal Benefits enrollment status submitted

federal_benefits_status_updated

FBSU

Federal Benefits enrollment status updated

frozen

FRZN

Card is frozen (not a status change)

lost/stolen card no replacement

LSCN

Card marked lost/stolen and no replacement card will be created.

lost/stolen card with replacement

LSCR

Card marked lost/stolen and a replacement card will be created.

note

NOTE

CST Note added

overdraft_authorization

ODAA

Overdraft Authorization

overdraft_negative_balance

ODNB

Overdraft negative balance

overdraft_opt_in

ODIN

Overdraft Opt-In

overdraft_opt_out

ODOT

Overdraft Opt-Out

overdraft_status_change

ODSC

Overdraft Status Change

overdraft_suspended

ODSK

Overdraft Suspended

pass_id

PTID

Passed AVS/TransUnion ID verification

phone_changed

PHCH

Phone number changed

PIN_changed

PINC

PIN has changed

profile_changed

PCHG

Profile Changed.  The cardholder’s personal information has been modified.

ready_to_activate

CRCA

Card ready to Activate

unfrozen

UFRZ

Card is unfrozen (not a status change)

AccountEvent Sample Request
/AccountEvent
type=card_shipped&prod_id=1619&prog_id=255&prn=199999999998&open_to_buy=4.05&timestamp=2017-04-07+04%3A51%3A

 

 

Category 2: Authorization

An Authorization message occurs when a card financial transaction from an association occurs. This includes card authorizations and denied card authorizations due to invalid pin, insufficient funds, inactive card, etc. Values may vary depending on the message type and information available from the transaction.

Authorization Template Values

Value

Format

Description

Example/ Notes

prod_id

number(10)

The product ID of the account

1701

prog_id

number(10)

The program ID of the account

305

pmt_ref_no

char(12)

The payment reference number of the account

240138597642

act_type

char(2)

The activity type of the transaction

PM (see Enumeration, Activity Type table)

otype

Varchar(4)

The type of the authorization

Maps to RDF lookup/ funds flow.  Specific to partner/ bank

merchant_name

Char(22)

The name of the merchant

First characters of ISO DE043.  Should not be used for matching

merchant_id

Varchar(15)

The ID of the merchant

De042

mcc

Number(10)

The merchant category code

De018 or MCC (depending on association)

merchant_location

Varchar(19)

The location of the merchant

Da043 (remainder from merchant name)

network

Char(1)

The network of the authorization

See enumerations, network code table) (formerly auth_network)

amount

Number(9,2)

The amount of the authorization - includes network fees and upcharging

10.25

open_to_buy

Number(9,2)

The current open_to_buy of the account

100.99

auth_id

Number(10)

The authorization ID - unique for the authorization under the given network

10315 (formerly called Source_id/ Trans ID)

original_auth_id

Number(10)

The authorization ID of the auth being completed or reversed

Auth ID of previous auth (pre-auth completion scenario)

msg_in_ts

timestamp (yyyy-mm-dd hh:mi:ss tmz)

The original time at which this event was created

2019-10-09 11:20:33 MST

balance_id

Number(10)

The balance ID of the account

2011

cad

Number(10)

The card ID of the card that was used

101

response_code

Char(2)

The response code Galileo sent - DE39

See enumerations, response code table

rules_denied

Varchar(4000)

The list of rules that were denied, and action taken

Option for client using dynamic fraud rules.

 

Available Authorization messages

Alert Name

Code

Description

auth

BAUT/AAAU

Approved authorization

auth_exp

BEXP

Authorization expired

denied_auth

DAUT

Denied authorization

denied_auth_gas

PUMP

Denied authorization at fuel pump

denied_auth_nsf

BNSF

Denied authorization due to insufficient funds

denied_auth_invalid_pin

IPIN

Denied authorization due to invalid pin entry

denied_auth_inactive_card

NACT

Denied authorization due to card not active

Authorization sample message
/Authorization
type=denied_auth_gas&prod_id=1504&prog_id=255&prn=199999999998&merchant_name=DISCOUNT+FM+1&merchant_number=231000000129001&mcc=5541&merch_loc=ARCHER%2C+FLUS&auth_tran_type=5&amount=30.65&&network=V& open_to_buy=2.95&auth_id=29143890&timestamp=2017-04-11+17%3A59%3A27+MST&account_id=388750&card_id=740724

 

 

Category 3: Settlement

A Settlement message occurs when a card financial transaction is settled or force posted.

Settlement Template Values

Value

Format

Description

Example/ Notes

type

string

Event message category

settlement

prod_id

number(10)

The product ID of the account

1701

prog_id

number(10)

The program ID of the account

305

pmt_ref_no

number(12)

The payment reference number of the account

240138597642

merchant_name

char(22)

The name of the merchant

First 22 characters of ISO DE043.  Should not be used for matching

merchant_number

varchar(15)

The ID of the merchant

De042

mcc

number(10)

The merchant category code

De018 or MCC (depending on association)

merchant_location

Varchar(19)

The location of the merchant

De043 (remainder from merchant name)

network

Char(1)

Character indicating the settlement network

See enumerations, network code table)

amount

number(9,2)

Settlement Amount

10.75

open_to_buy

number(9,2)

The current open_to_buy (balance) of the account

109.99

auth_id

number(10)

The auth ID of the authorization that was settled. 

254568

msg_in_ts

timestamp (yyyy-mm-dd hh:mi:ss tmz)

The original time at which this event was created

2019-10-09 11:20:33 MST

balance_id

number (10)

The balance ID “Bal id”

 

cad

number (10)

The Card ID

2134

act_type

char(2)

The activity type for this transaction - i.e. VS is Visa Settlement

See enumerations table, activity type

 

Available Settlement message

Alert Name

Code

Description

setl

SETL

Sent when an authorization gets settled

Settlement Sample Request
/Settlement
type=setl&prod_id=1504&prog_id=255&account_id=376224&cad=729138&timestamp=2017-04-09+06%3A28%3A47+MST&a

 

 

Category 4: Transaction

A Transaction message occurs for all other financial transactions that occurs against an account not through an association (fee, payments, adjustment, etc.)

Transaction Template Values

Value

Format

Description

Example/ Notes

type

string

Event message category

Adj

prod_id

number(10)

The product ID of the account

1701

prog_id

number(10)

The program ID of the account

305

pmt_ref_no

char(12)

The payment reference number of the account

240138597642

act_type

char(2)

Activity Type

Maps to RDF. see enumerations table activity type

otype

varchar(4)

The type of the transaction

Maps to RDF lookup/ funds flow.  Specific to partner/ bank

adj_id or payment_id

number(10)

Unique identifier of the adjustment/ payment

Maps ties to RDF as “auth code”  (used to be trans code)

adj_source_id

number(10)

Map to the originator of adjustment

(optional)

balance_id

number(10)

The balance ID of the account

12456

ach_trans_id

Number(10)

Galileo generated trans ID

Generated when Galileo processes ACH file. Ties back to ACH client created.

adj_id

number(10)

Adjustment Identifier for Bill Payment

 

amount

number(9,2)

Amount of transaction

10.75

open_to_buy

number(9,2)

Current available funds on the account

109.99

billername

string(128)

Bill Pay name of biller

 

return_code

string(3)

ACH Transaction Return Code

See enumerations table “ACH return Code”

timestamp

timestamp (yyyy-mm-dd hh:mi:ss tmz)

Date/Time that transaction was handled by the system

2019-10-09 11:20:33 MST

 

Available Transaction messages

Alert Name

Code

Description

ach_credit_fail

ACHC

ACH credit failed

ach_credit_return

FACH

ACH credit to an external account has been returned

ach_debit_fail

ACHR

An ACH Debit has failed to process

adj

BADJ

Balance Adjustment

billpay

BPAY

Billpay Posted

billpay_check_cleared

BPCC

Billpay Check Cleared

billpay_check_mailed

BPCM

Billpay Check Mailed

billpay_request_made

BPCQ

Billpay Request Made

billpay_request_returned

BPCR

Billpay Request Returned

billpay_retry

BPAR

Billpay retry

create_hold

CRHD

Create trans_hold

convenience_check_auth

CCAU

Convenience Check Authorization

expire_hold

EXHD

Expire trans_hold

failed_ach

LDEN

Failed ACH Transaction. An ACH transaction (such as Direct Deposit) failed to post to the cardholder’s account.

fee

BFEE

Transactional fee

fee_reversal

FREV

Fee Reversed

pmt

BPMT

Payment Posted. Funds have been loaded to the account and are available to the cardholder.

pmt_delayed

BDPM

Payment Delayed

pmt_split

BSPM

Payment Split Due to Load Limits

pending_ach_debit

ACRT

ACH debit is pending on the account

sched_billpay_fail

BSPF

Scheduled Billpay Failed

Transaction Sample Request
/Transaction
type=adj&description=ALLY,+ALLY+PAYMT,+1234578P&prod_id=1504&prog_id=255&account_id=372318&timestamp=2017-04-11+19%3A52%3A10+MST&prn=199999999998&act_type=AD&otype=bc&amount=-51.00&open_to_buy=998.19&cur_code=840&adj_id=1849410&source_id=46768092&ach_trans_id=46768092

 

Messaging Retry

Galileo can resend messages if a successful response code is not received.  Work with your PM/AM to set product parameter RTRDL.  The following diagram shows the exponential increase for each retry.

Attempt

Seconds

Minutes

Hours

1

60

1.00

0.02

2

240

4.00

0.07

3

540

9.00

0.15

4

960

16.00

0.27

5

1500

25.00

0.42

6

2160

36.00

0.60

7

2940

49.00

0.82

8

3840

64.00

1.07

9

4860

81.00

1.35

10

6000

100.00

1.67

11

7260

121.00

2.02

12

8640

144.00

2.40

13

10140

169.00

2.82

14

11760

196.00

3.27

15

13500

225.00

3.75

TOTAL:

 

 

20.67