Credit Statements

A credit statement contains information about transactions that occur within a billing cycle for a credit account. This includes debits, credits, fees, and details like the credit limit. Credit statement files do not contain Personally Identifiable Information (PII).

Galileo delivers a credit statement file following the close of your cardholders' billing cycle. For example, if the billing cycle closes the 15th of the month, Galileo generates the credit statement file the next calendar day and delivers it on the 17th.

You receive one main credit statement file for each billing cycle close date, so the number of files you receive during the period depends on your billing cycle configuration. If you have one billing cycle date configured for all accounts, you will receive one credit statement file. If you have monthly or weekly billing cycle configuration, you will receive multiple credit statement files within two days of the respective billing cycle close dates. See Configuring billing cycles for details.

Accessing the credit statement file

Galileo uses Secure File Transfer Protocol (SFTP) to deliver the credit statement file. You can arrange to retrieve the files from Galileo's SFTP server, or Galileo can push the files to your SFTP server. Galileo secures connections using SSH keys.

You must provide Galileo with the following information to deliver the SFTP file:

SFTP hostname/IP — The address of the SFTP server where you will receive the file
Public PGP key — Used to encrypt the statements files. Ensures the file is only accessible to you.
- Accepted encryption formats: PGP (Pretty Good Privacy) and GPG (GNU Privacy Guard)

Credit statement file

Galileo uploads a compressed credit statement file. This file contains a set of individual JSON files, one per primary credit account, collectively called the account statement file.

The tgz (.tar.gz) filename for the credit statement file is {prod_id]_{schema_name}_{cycle_close_date}_batch_{batch_num}.tgz.

The date is formatted as YYYY_MM_DD and represents the cycle close date. The filename also includes a batch number, which is five digits from 00000–99999.

Example filename: 9999_Galileo_2025-12-17_batch_00000.tgz.

The following table shows an estimation of the file size depending on the number of accounts in your program.

Number of accounts	Uncompressed size	File size*
10,000	200 MB	40 MB
100,000	2 GB	400 MB
1,000,000	20 GB	4 GB

*Estimated 5:1 ratio

Account statement file

The JSON filename for the account statement files is formatted {prod_id]_{schema_name}_{cycle_close_date}_{payment_reference_number}.json.

The PRN is associated with the primary account. For example, if the PRN of the primary account is 112233 the individual filename is 9999_Galileo_2025-12-17_112233.json.

Field details

The following are the fields contained in the account statement file.

`accounts` object

The accounts object contains all the accounts in a credit statement file. This always includes a primary account. This also includes authorized users' accounts linked to this primary account.

Field name	Data type	Description
`account_type`	string	Type of account to which the transactions belong to. The statement file groups transactions by account type: `primary` or `authorized user`. Example: “primary”
`pmt_ref_no`	string	12-digit Galileo-generated account identifier that you can provide to the account holder as their account number. Example: "999101310817"
`transactions`	object	Contains information about all transactions for the account in the billing cycle. See the table below for details of each field.

`transactions` object

The transactions object contains information about all transactions for the account in the billing cycle. These fields are nested in the transactions object for each transaction.

Field name	Data type	Description
`act_type`	string	See <a href"=ref:api-reference-activity-type" target="_blank">Activity Type for possible values. Example: "VI"
`amt`	decimal	Transaction amount. Can be a positive or negative number, depending on the type of transaction. Example: -482.79
`card_id`	string	Galileo-generated identifier for a card. Maps to the PAN. Example: "39745"
`details`	string	Description provided by the merchant about the transaction. Example: "E-Check"
`pmt_ref_no`	string	Payment reference number (PRN) of the account the transaction is associated with. Example: "999101310817"
`post_ts`	datetime	The date the transaction settled in Galileo system time. Format: YYYY-MM-DDThh:mm:ss. Example: "2025-11-30 01:00:31.000"
`tag`	string	Additional tag used to group transactions. Possible values: Payments/Credits, Refunds/Reversals, Disputes, Fees, Purchases, Cash Advance
`trans_id`	integer	Unique identifier for a transaction. Example: "46691"
`local_amt`*	decimal	Amount in the currency at the point of sale. This amount does not include upcharges or fees (DE004). Example: 1245.20
`local_curr_code`*	string	Currency code for `local_amt` (DE049). Example: “124”
`billing_amt`*	decimal	Billing amount in the currency of the account (DE006). Example: 482.79
`billing_curr_code`*	string	Currency code for `billing_amt` (DE051). Example: 840
`settle_amt`*	decimal	Transaction amount in the settlement currency (DE005). Example: 482.79
`settle_curr_code`*	string	Currency code for `settle_amt` (DE050). Example: 840
`mcc`	string	Category code for the merchant that initiated the transaction (DE018). Example: “5172”
`trans_ts`	datetime	Authorization timestamp. Format: YYYY-MM-DDThh:mm:ss. Example: "2025-11-29 01:00:15.000"

*Field is only included when the transaction involves a currency conversion.

The following fields are also included in the account statement file following the transactions object.

Field name	Data type	Description
`amount_paid`	decimal	Amount paid towards the reported billing cycle. Example: 15.00
`amount_past_due`	decimal	Amount past due. This can include amounts from previous billing cycles. Example: 10.00
`available_credit`	decimal	Credit amount currently available. Example: 150.00
`credit_limit`	decimal	Credit limit amount at the billing cycle close date. Example: 350.00
`current_balance`	decimal	Total amount of all transactions and fees (minus payments/credits). This value is the same amount as reported in `minimum_payment`. Example: 25.00
`current_cycle_fees`	decimal	Total fees applied within the reported billing cycle. Example: 10.00
`days_in_billing_cycle`	integer	Number of days in the reported billing cycle. Example: 30
`due_date`	date	Due date for the reported billing cycle. Example: "2025-12-04"
`start_date`	date	Date on which the billing cycle was started. Example: "2025-11-01"
`end_date`	date	Date on which the billing cycle was closed. Example: "2025-11-30"
`fees_year_to_date`	decimal	Sum of all the fees charged to the primary and authorized user accounts year to date. Example: 200.00
`minimum_payment`	decimal	Minimum amount due for the cycle. This value is the same amount as reported in `current_balance`. Example: 25.00
`primary_pmt_ref_no`	string	Payment reference number (PRN) of the primary account, this is a unique account identifier generated by Galileo. Example: 0.00
`previous_amount_paid`	decimal	Amount paid from the previous generated statement. If no statement, this will be 0. Example: 0.00
`previous_amount_past_due`	decimal	Amount past due from the previous generated statement. If no statement, the returned as 0. Example: 0.00
`previous_balance`	decimal	Balance from the previous generated statement. If no statement, the returned as 0. Example: 0.00

Example

The following shows an example account statement file.

{
  "accounts": [
    {
      "account_type": "primary",
      "pmt_ref_no": "999101310817",
      "transactions": [
        {
          "act_type": "FE",
          "amt": 39,
          "card_id": "39745",
          "details": "Late Fee",
          "pmt_ref_no": "999101310817",
          "post_ts": "2025-11-01 01:00:32.000",
          "tag": "Fees",
          "trans_id": "56690"
        },
        {
          "act_type": "AD",
          "amt": 10,
          "card_id": "39745",
          "details": "Transfer Passthrough #gMfw",
          "mcc": "389957",
          "pmt_ref_no": "999101310817",
          "post_ts": "2025-11-02 14:22:18.000",
          "tag": "",
          "trans_id": "50308"
        },
        {
          "act_type": "FE",
          "amt": 29,
          "card_id": "39745",
          "details": "Late Fee",
          "pmt_ref_no": "999101310817",
          "post_ts": "2025-11-12 01:00:31.000",
          "tag": "Fees",
          "trans_id": "55923"
        },
        {
          "act_type": "PM",
          "amt": -65,
          "card_id": "39745",
          "details": "E-Check",
          "pmt_ref_no": "999101310817",
          "post_ts": "2025-11-16 00:00:04.000",
          "tag": "Payments/Credits",
          "trans_id": "50441"
        },
        {
          "act_type": "AD",
          "amt": 5,
          "card_id": "39745",
          "details": "Transfer Passthrough #mVld",
          "mcc": "390004",
          "pmt_ref_no": "999101310817",
          "post_ts": "2025-11-16 14:30:10.000",
          "tag": "",
          "trans_id": "50311"
        },
        {
          "act_type": "AD",
          "amt": 500,
          "card_id": "39745",
          "details": "GCash Transfer - ApproveMe Lastq",
          "mcc": "289149",
          "pmt_ref_no": "999101310817",
          "post_ts": "2025-11-17 17:14:06.000",
          "tag": "",
          "trans_id": "49578"
        },
        {
          "act_type": "AD",
          "amt": 10,
          "card_id": "39745",
          "details": "Bank Transfer - ApproveMe Lastq",
          "mcc": "389795",
          "pmt_ref_no": "999101310817",
          "post_ts": "2025-11-20 06:10:29.000",
          "tag": "",
          "trans_id": "50279"
        },
        {
          "act_type": "AD",
          "amt": 1,
          "card_id": "39745",
          "details": "Bank Transfer - ManualReviewMe Test",
          "mcc": "403116",
          "pmt_ref_no": "999101310817",
          "post_ts": "2025-11-23 08:10:04.000",
          "tag": "",
          "trans_id": "51219"
        },
        {
          "act_type": "AD",
          "amt": -10,
          "card_id": "39745",
          "details": "Bank Refund - ApproveMe Lastq",
          "mcc": "389796",
          "pmt_ref_no": "999101310817",
          "post_ts": "2025-11-24 06:10:34.000",
          "tag": "",
          "trans_id": "50280"
        },
        {
          "act_type": "FE",
          "amt": 39,
          "card_id": "39745",
          "details": "Late Fee",
          "pmt_ref_no": "999101310817",
          "post_ts": "2025-11-24 01:00:31.000",
          "tag": "Fees",
          "trans_id": "57559"
        },
        {
          "act_type": "AD",
          "amt": 12,
          "card_id": "39745",
          "details": "Bank Transfer - ApproveMe Last",
          "mcc": "389804",
          "pmt_ref_no": "999101310817",
          "post_ts": "2025-11-24 06:47:30.000",
          "tag": "",
          "trans_id": "50281"
        },
        {
          "act_type": "AD",
          "amt": 10,
          "card_id": "39745",
          "details": "Bank Transfer - ApproveMe Last",
          "mcc": "389989",
          "pmt_ref_no": "999101310817",
          "post_ts": "2025-11-24 14:29:05.000",
          "tag": "",
          "trans_id": "50310"
        },
        {
          "act_type": "PM",
          "amt": -10,
          "card_id": "39745",
          "details": "Transfer Passthrough #gMfw",
          "pmt_ref_no": "999101310817",
          "post_ts": "2025-11-24 14:22:18.000",
          "tag": "Payments/Credits",
          "trans_id": "50309"
        },
        {
          "act_type": "AD",
          "amt": 50,
          "card_id": "39745",
          "details": "GCash Transfer - ManualReviewMe Last",
          "mcc": "289154",
          "pmt_ref_no": "999101310817",
          "post_ts": "2025-11-26 17:16:35.000",
          "tag": "",
          "trans_id": "49579"
        },
        {
          "act_type": "PM",
          "amt": -5,
          "card_id": "39745",
          "details": "Transfer Passthrough #mVld",
          "pmt_ref_no": "999101310817",
          "post_ts": "2025-11-26 14:30:09.000",
          "tag": "Payments/Credits",
          "trans_id": "50312"
        }
      ]
    }
  ],
  "amount_paid": 0,
  "amount_past_due": 0,
  "credit_limit": 0,
  "current_balance": 0,
  "current_cycle_fees": 0,
  "days_in_billing_cycle": 30,
  "due_date": "2025-12-04",
  "end_date": "2025-11-30",
  "fees_year_to_date": 0,
  "minimum_payment": 0,
  "primary_pmt_ref_no": "999101310817",
  "start_date": "2025-11-03"
}