November 2023

In November 2023 we clarified settlement behavior, introduced a new lost/stolen endpoint, updated lost/stolen card behavior, updated check cancellation, added a new guide about fees and new card transaction scenarios. Click November 2023 to see the details.

Clarification on settlements

We clarified that cards and accounts that are not in status: N can still receive settlements on authorizations that were approved while they were active.

Allow merchant credits

By default, the system allows merchant credits on cards in any status, but only allows merchant credits for account statuses N, C, D, and Z. You can now ask Galileo to set the IGACT parameter to bypass account status checks for merchant credits.

New lost/stolen card endpoint

Galileo has developed a new endpoint specially for marking physical and Digital First cards as lost or stolen. This endpoint is an improvement over using Modify Status because it immediately returns the replacement card's PAN, CVV and expiry date. The Replace Lost/Stolen Card endpoint is now the preferred method to report cards as lost or stolen and to issue a replacement. The Lost, Stolen or Damaged Cards guide has been updated accordingly.

Lost/stolen card behavior change

We updated the Lost, Stolen and Damaged Cards guide with a note to say that when you mark a card as lost or stolen with a replacement card, that you cannot reactivate that card.

Check cancellation update

We updated the check-cancellation process description to better reflect the timing, status changes, and fee assessments when a check is cancelled.

New guide

We created the About Fees guide, which explains how to assess fees using Galileo's logic, how to assess fees using the Assess Fee endpoint, how fees are depicted in reports, and how fees are represented in Events API.

New card transaction scenarios

We have added four more card transaction scenarios:

• 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.