May 2025

In May 2025 we added new event fields, clarified otype: L usage, updated which transactions go over which networks, updated the Get Instant Verification (GIVE) reason codes, clarified STIP with the Auth API, rolled back auth response codes, and added support for tap to provisioning. Click May 2025 to see the details.

Two new fields for refund-check events

If you have refund checks set up, you can enable these fields for some check-related events:

• original_balance_id — Balance ID (galileo_account_number) of the closed account that is being refunded.
• original_prn — PRN of the closed account that is being refunded.

These events support the two new fields:

• BPCR: billpay_request_returned
• BPCL: billpay_cancelled
• BPAY: billpay
• BPCM: billpay_check_mailed
• BPCC: billpay_check_cleared
• BPEX: billpay_expired

We also changed the descriptions for act_type and otype for some of the billpay events to indicate that the event does not return a value for that field.

Settlements with otype: L

We clarified that sometimes otype: L (preauth) is present with a settlement act_type in cases where a merchant obtains a preauth but settles it instead of completing it.

Signature transactions over debit rails

It had been the case that PIN (debit) networks did not transmit PIN-less (signature) transactions, but in 2022 a clarification to the Durbin amendment permitted it. We've updated our docs accordingly.

GIVE reason code updates

Galileo rolled out changes in GIVE to enhance the performance of account verification and ownership authentication, which includes some changes to the reason codes.

• Deprecated: BVSCC, BVSCP, BVSCR, BVSCU, BVSDA, BVSDB, BVSHR, BVSNI
• Updated: BACLT, BACMT, BACST, BACVST, BALNGT, BALOWT, BAMEDT, BANEW
• New: BACVLT, BAVLNGT, BVRSN2

Clarification on STIP and the Auth API

We clarified that an Auth API message is triggered only by approved financial STIP advices, not by denied or non-financial STIP advices.

Authorization response code changes for Mastercard rolled back

On 21 Apr 2025 we made changes to the Authorization Response Codes for Mastercard; however, Mastercard will not be deploying those changes until 3 Jun 2025. Galileo regrets the error.

Tap to provision

We support cardholders' ability to add their card to a mobile wallet by tapping the card on their mobile phone, also known as tap to provision. See Setup for Mobile Wallets for details.