2023 Year in Review

As the end of the year approaches, we want to celebrate in the nerdiest way possible and take a look back at our API documentation progress in 2023. Click 2023 Year in Review to see the details.

To sum it up: this year, we've made more than 500 enhancements and fixes across our documentation, including adding 20+ new guides and documenting 15+ new API endpoints.

These updates span both new products and existing functionality, and are all in service of providing you and your team with the product knowledge and technical details you need to get the most out of Galileo's platform.

To learn more about these updates, read on!

New guides

• About Fees — Explains how to assess fees using Galileo's logic, how to assess fees using the Assess Fee endpoint, how fees are depicted in reports
• Offline PIN guide — Addresses how to set PINs in some non-U.S. jurisdictions.
• PAN Logic — How PANs are constructed and allocated.
• About Payment Risk Platform — Galileo’s multi-layered approach to fraud mitigation combines the power of people, technology, and data with direct access to trained fraud analysts to inform your fraud-mitigation strategies.
• Payment Screening for Tax Refunds — How to approve and reject incoming tax refunds
• Payment Posts & Returns CST guide — Provides information and instructions for Payment Screening for Tax Refunds.
• Simulating ACH — How to simulate ACH transactions.
• International — Consolidates information related to international (outside the U.S.) transactions, accounts, and programs.
• Multicurrency BINs — Setting up BINs that use different settlement currencies from the billing currency.
• MSI Installments — How to provide your cardholders with the option to pay off their purchases in multiple interest-free installments.
• About SMB Lending — Explains Galileo’s loan product offerings for small and midsize businesses (SMBs).
• Same Day ACH — About same-day ACH transactions.
• ACH for Businesses — About ACH for business-to-business payments.
• ACH Early Access — How to make funds available to spend on a customer's account before the settlement date.
• Transaction IDs — Consolidates information about how Galileo assigns transaction identifiers.
• Managing Disputes — How to manage disputes after they have passed through the entire intake flow.
• About Cyberbank Konecta — Details Galileo’s AI-powered virtual personal banking assistants platform for banks and financial institutions.
• Cyberbank Konecta User Manual — How to create and manage AI-powered virtual personal banking assistants.
• Corporate Credit — About the Corporate Credit product and how to create CC accounts.
• About Raw Data Files (RDFs) — A suite of text files that you receive from Galileo once per day that contain low-level extracts of the prior day’s activity from Galileo's databases.
• About Bill Pay — Explains how your customers can send funds from their accounts directly to a U.S.-based individual or service provider.

New endpoints

• Get Interest — Retrieves accrual interest, interest year-to-date, and annual percentage yield for any type of interest-bearing account (savings or non-savings).
• Replace Lost/Stolen Card — Now the preferred method to report cards as lost or stolen and to issue a replacement.
• Delete Account-Level Auth Control — Delete an account level auth control.
• Delete Account-Level MCC Control — Delete an account level MCC control.
• Delete Account-Level Merchant Control — Delete an account level merchant control.
• Create SMB Loan — Create a small and midsize business (SMB) loan for a customer
• Simulate Loan — Present loan terms to individual and business customers. Simulate Loan allows customers to run multiple loan simulations, to compare the different APRs and loan terms, and make an informed decision about the loan offerings
• Create Simulated Incoming ACH Transaction — Simulate an incoming ACH transaction.
• Cancel Simulated Incoming ACH Transaction — Cancel an incoming ACH transaction that has not been processed.
• Get Simulated Incoming ACH Transaction — Returns a pending transaction matching the provided ID.
• Get All Simulated Incoming ACH Transactions — Returns all pending simulated ACH transactions that have not yet been processed.
• Set Corporate Credit Limit — Set a credit limit on a corporate credit funding account.
• Get Corporate Credit Summary — Retrieve the credit limit on the corporate credit funding account and the available amount to spend.
• Get Corporate Credit Change History — Retrieve a history of changes to the credit limit for the specified corporate credit funding account.
• Is Corporate Credit Funding Account — Use to determine if the specified account is a corporate credit funding account.
• Is Corporate Credit Spending Account — Use to determine if the specified account is a corporate credit spending account.

New features

• Pause card emboss — In the case that you want to pause or delay a card embossing, such as with Digital First cards, you can now call Set Account Feature with featureType: 30. You can resume it at a later time.
• Modify Status — A new feature changes the specified account to status: Q (delinquent).
• Added support for billing cycles for Secured Credit.
• Updated SEC code details for Nacha compliance for outgoing ACH to support ACH transactions initiated by both businesses and consumers.

New card transaction scenarios

• Scenario 19: Force Post — A force-posted transaction without a corresponding authorization.
• Scenario 20: Card Load Reversal (Maestro) — A cardholder receives payment from an employer but the funds are reversed.
• Scenario 21: Card Load (Visa) — A cardholder receives a payment from a payday loan app.
• Scenario 22: Card Load Reversal (Visa) — A cardholder receives payment from a peer-to-peer cash app, but the funds are soon reversed.
• Scenario 23: Account Funding Transaction — A cardholder pulls funds into their credit-builder account on another platform.
• Scenario 24: Recurring Transaction — A cardholder has a monthly subscription to a streaming video service, paid through a mobile wallet.

Other noteworthy enhancements

• Updated the preferred method to present recent transaction history to your customers
• Documented new network-mandated Visa and Mastercard authorization response codes
• About Galileo Buy, Now Pay Later — Explains this product offering for SMBs.
• Blocking transactions in the About Transactions guide — Explains how to block various types of transactions.
• Digital Card Fonts — Consolidated and updated page containing supported fonts.
• AVS Codes — Added AVS codes per network.
• Finding Transaction Data — Summarizes where to find a particular transaction type across Galileo's various data sources.
• auth differentiation — Clarifies how to distinguish the different types of auth events.
• Phone Validation — Shows the valid values for mobileCountryCode and the regex that validates the corresponding mobile number.
• Modify Pending Deposit Status Return Codes — Includes more information on what the codes mean and how to handle them.

We've come a long way in 2023, but the work is never done – we look forward to bringing you even more (and even better) documentation in 2024! Check out our Changelog to stay informed on our documentation updates throughout the year.