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ACH Bill Payment Simulation

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An ACH customer has set up an automatic payment of their bill with their utility company. The utility company will initiate an ACH request to pull in funds from the customer's account when the bill is due. The following request simulates a bill of $100, which is to be debited from their account on Galileo. The transaction is processed per Setup for Incoming ACH Transaction Simulation.

Origination

Call Create Simulated Incoming ACH Transaction with these parameters:

ParameterValue
templateName"CreditsAndDebits"
templateValues"destinationRoutingNumber": "123456789",
"originRoutingNumber": "987654321",
"destinationBankName": "BoFA",
"originBankName": "CHASE",
"referenceCode": "22355678",
"companyName": "Name on Account",
"standardEntryClassCode": "PPD",
"companyEntryDescription": "Pacific Gas",
"destinationAccountNumber": "12345678",
"amount": 100,
"receiverName": "John Doe",
"identificationNumber": "#789654",
"transactionType": "debit",
"accountType": "checking",
"effectiveEntryDate" :"230530"

Response

{
    "status_code": 0,
    "status": "Success",
    "processing_time": 0.051,
    "response_data": {
        "ach_transaction_id": 14
    },
    "echo": {
        "provider_transaction_id": "",
        "provider_timestamp": null,
        "transaction_id": "d06ee89c-984b-4628-8b54-cfd672b021b7"
    },
    "system_timestamp": "2023-05-25 13:52:08",
    "rtoken": "82f354f8-0520-4b6c-a952-07228500c1c3"
}

Capture the transaction_id for Get Simulated Incoming ACH Transaction.

📘

Note

Non-required templateValues are populated with a default value, which can be edited. The effectiveEntryDate should be greater than or equal to today’s date.

View the transaction

The simulated incoming transaction will be processed periodically. If the payment is not processed yet, the pending transaction can be viewed via Get Simulated Incoming ACH Transaction:

Response

{
    "status_code": 0,
    "status": "Success",
    "processing_time": 0.379,
    "response_data": {
        "template_name": "CreditsAndDebits",
        "template_values": {
            "accountType": "checking",
            "amount": 100,
            "companyEntryDescription": "Subscribe",
            "companyName": "Name on Account",
            "destinationAccountNumber": "12345678",
            "destinationBankName": "BoFA",
            "destinationRoutingNumber": "123456789",
            "discretionaryData": "S",
            "effectiveEntryDate": "230530",
            "identificationNumber": "#789654",
            "originBankName": "CHASE",
            "originRoutingNumber": "987654321",
            "paymentRelatedInformation": "some info",
            "receiverName": "John Doe",
            "referenceCode": "22355678",
            "standardEntryClassCode": "WEB",
            "transactionType": "debit"
        }
    },
    "echo": {
        "provider_transaction_id": "",
        "provider_timestamp": null,
        "transaction_id": "d06ee89c-984b-4628-8b54-cfd672b021b7"
    },
    "system_timestamp": "2023-05-17 10:56:53",
    "rtoken": "82f354f8-0520-4b6c-a952-07228500c1c3"
}

If the payment has processed, call Get All Transaction History:

{
  "status_code": 0,
  "status": "Success",
  "processing_time": 0.991,
  "response_data": {
    "transaction_count": 1,
    "page": 1,
    "total_record_count": 1,
    "number_of_pages": 1,
    "start_date": "2023-04-05 00:00:00",
    "end_date": "2023-12-12 23:59:59",
    "sums": {
      "unsettled": 0,
      "settled": 0,
      "adjustment": 0,
      "fee": -5.45,
      "payment": 55
    },
    "transactions": {
      "transaction": [
        {
          "is_savings": 0,
          "deny_code": "",
          "disputable": 0,
          "details": "test",
          "act_type": "PM",
          "act_type_description": "Payment",
          "post_ts": "2023-04-27 00:00:06",
          "amt": 100,
          "source_id": 5000253731,
          "type": "AC",
          "type_description": "E-Check",
          "trans_code": "PMAC",
          "arn": "",
          "merchant_id": "",
          "external_trans_id": "30a02428-e8c6-4e2f-ab4d-837b8ee4868b",
          "calculated_balance": 49.55,
          "ach_trans_id": 5016425432,
          "auth_ts": "2023-04-27 00:00:06",
          "prior_id": 0,
          "card_id": 0,
          "formatted_merchant_desc": "",
          "network_code": "?",
          "auth_id": "",
          "local_amt": "",
          "local_curr_code": "",
          "settle_amt": "",
          "settle_curr_code": "",
          "billing_amt": "",
          "billing_curr_code": "",
          "pmt_ref_no": 155120427267,
          "mcc_code": "",
          "credit_ind": ""
        },
        {
          "is_savings": 0,
          "deny_code": "",
          "disputable": 0,
          "details": "test",
          "act_type": "PM",
          "act_type_description": "Payment",
          "post_ts": "2023-04-27 00:00:06",
          "amt": 100,
          "source_id": 5000253732,
          "type": "AC",
          "type_description": "E-Check",
          "trans_code": "PMAC",
          "arn": "",
          "merchant_id": "",
          "external_trans_id": "bd3c0aa1-37a3-40f5-978d-829d8077c0d8",
          "calculated_balance": 39.55,
          "ach_trans_id": 5016425433,
          "auth_ts": "2023-04-27 00:00:06",
          "prior_id": 0,
          "card_id": 0,
          "formatted_merchant_desc": "",
          "network_code": "?",
          "auth_id": "",
          "local_amt": "",
          "local_curr_code": "",
          "settle_amt": "",
          "settle_curr_code": "",
          "billing_amt": "",
          "billing_curr_code": "",
          "pmt_ref_no": 155120427267,
          "mcc_code": "",
          "credit_ind": ""
        }
      ]
    },
    "beginning_balance": 0
  },
  "echo": {
    "provider_transaction_id": "",
    "provider_timestamp": "",
    "transaction_id": "123a6148-a555-4649-9d73-1d92c79ea74f"
  },
  "system_timestamp": "2023-06-06 21:17:38",
  "rtoken": "47c9b6ff-6988-4f10-aad3-f171a8c7aeb3"
}

Updated 3 months ago