2024 Year in Review

To ring in the new year, we wanted to take a moment to highlight the key changes you may have missed in our docs over the past year.

In a nutshell: in 2024, we added 20+ new product guides, documented 12+ new API endpoints, and made 400+ improvements and fixes across docs.galileo-ft.com. We also launched clients-only docs in the Galileo Client Console which makes it easier for clients to access frequently requested non-public documents.

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

• Transaction Descriptions — Provides information on where transaction descriptions come from and where they're displayed.
• About Galileo Instant Verification Engine (GIVE)— explains how to capture and use enhanced risk signals for external accounts.
• Payment Risk Platform Core Features — Provides information about the Feature Platform, Decision Rules Engine, and the Case Management system.
• About Card Transaction GScore — Explains how to use machine learning-based risk scores to assess the risk of card and money-movement transactions.
• Common Point of Compromise — Explains how to identify common touch points suspected of compromise by analyzing transactional history and correlating them with reported fraudulent activities.
• Deposit Sweeps — Explains how you can offer higher interest rates to your customers on the funds they hold with your program.
• Round Up — Shows you how to use card transactions to accumulate funds in a separate account from the card account.
• About Buy, Now Pay Later: Post-Purchase — Explains how a cardholder can turn eligible settled transactions on credit and debit cards into an installment plan or loan.
• Secured Credit with Dynamic Funding — Explains how Galileo automates funds movement between accounts, creating a model where a cardholder can view a single “available to spend” balance that can be accessed through either a credit or debit card.
• Credit Reporting at Galileo — Explains how Galileo enables you to act as the data furnisher and send the Metro 2 file directly to the credit bureau(s).
• Autopay for Secured Credit — Explains how to set up autopay on a cardholder's secured credit program to pay the full balance of the previously calculated billing cycle every month through scheduled, recurring transfers.
• Product Configuration — Explains how to configure product settings during product setup, and how to retrieve and view your existing product settings.
• Parameters — View which product parameters are available and how to set them.
• MCCs for velocity ALCs— How to specify which MCCs to apply the ALC to.
• 3-D Secure Access Control Server — How to support ecommerce sites that use 3DS authentication.
• ATM issuer-fee inquiries — Articulates workflow for managing ATM issuer-fee inquiries so that cardholders can accept or reject all ATM fees before withdrawing cash. Colombia only.
• New product RDFs:
  • ACH Manual Review — Data on all incoming ACH transactions available in the manual review queue.
  • Outgoing ACH — Data on all outgoing ACH transactions for the prior day, including credits and debits.
  • Fraud Rule Detail — Data on transactions that triggered fraud rules.

New endpoints

• Risk API:
  • Get Card Transaction Fraud extends the capabilities of the Payment Risk Platform to any financial technology companies and banks that do not use Galileo as their card transaction processor to monitor suspicious card transaction behavior (debit, credit, BNPL, prepaid, etc.).
  • Get Instant Verification validates the ownership and authenticity of an account. Used to support Galileo Instant Verification.
• Public Config API:
  • Get Product Config retrieves the settings for your products using an API instead of relying solely on the GCC.
• Wires:
  • Create Wire Transaction creates a wire transaction.
  • Cancel Wire Transaction cancels a wire transaction.
  • Get Wire Details retrieves information about a specific wire transaction.
  • Get Wire History retrieves a list of wire transfers related to the specified account.
• Autopay related endpoints:
  • Set AutoPay Plan configure or update autopay for a credit account.
  • Set AutoPay Attempt specifies the number and frequency of retries.
  • Get AutoPay History retrieves autopay transactions during the specified timespan.
• Create Loan From Transactions creates a loan or plan from multiple settled transactions.
• Replace Lost/Stolen Card — Simplifies the process of marking a card as lost or stolen and then automatically issuing a replacement card. The Lost, Stolen, or Damaged Cards guide was revised to accommodate this new endpoint, and we added a workflow page for the endpoint.

New features

• Configuring billing cycles — Explains how to set up bi-weekly consumer and corporate credit billing cycles.
• Payment remittance — Populates a description regarding the intent of the ACH payment that reaches the RDFI and in turn the end receiver.
• Merchant Advice Codes — Explains how to use Mastercard’s merchant advice codes (MAC) 03, 40, and 41 to reduce the number of declined recurring transactions for you or your issuer.
• Multiple-account ATM balance inquiry — How to return balances for multiple account types in response to balance inquiries from ATMs.
• 9-Digit BINs — How to support multiple programs or network configurations on one 8 digit BIN.
• STIP reporting — Provides additional information on STIP transactions.
• Reset Offline PIN — How to set up a specialized script with Galileo to automatically reset the offline PIN-fail count when entering the correct PIN at an ATM. Mexico only.
• Mastercard Smart Data — Get enhanced data sent directly from industry resources to your expense-management system.

Other noteworthy enhancements

• Clients-only documentation now available in the Galileo Client Console (GCC) – Galileo clients who log into the GCC via OneLogin (SSO) now have self-service access to frequently requested non-public documents in the updated Knowledge Center currently in beta.
• Mastercard enhanced fleet data – Explains how Galileo is in compliance with Mastercard and industry fleet card data standards.
• RDF and CDF reorg and expansion — The default RDFs were converted to CSVs, renamed Base RDFs, and expanded to include all possible fields. The CDFs were renamed Service RDFs and Product RDFs.

We look forward to continuing to bring you more best-in-class documentation in 2025. Check out our Changelog to stay informed on our documentation updates throughout the year.