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Payment Screening for Tax Refunds Simulation

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In this scenario, Payment Screening has been configured to move transitions over $90 to manual review before the transaction is processed per Setup for Incoming ACH Transaction Simulation. This request simulates an ACH tax deposit for $100.

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Note

Payment Screening requires additional ACH setup. Reach out to your Galileo representative for more information.

Origination

Call Create Simulated Incoming ACH Transaction with these parameters:

ParameterValue
templateName"ManualReviewNameMatching"
templateValues "companyName": "IRS",
"standardEntryClassCode": "PPD",
"companyEntryDescription": "TAX TRES",
"destinationAccountNumber": "12345678",
"amount": 100,
"individualName": "John Doe",
"identificationNumber": "#789654"

Response

{
   "status_code": 0,
   "status": "Success",
   "processing_time": 0.382,
   "response_data": {
       "ach_transaction_id": 42
   },
   "echo": {
       "provider_transaction_id": "",
       "provider_timestamp": null,
       "transaction_id": "ab2ab256-423a-4936-ac08-13367cf39d95"
   },
   "system_timestamp": "2023-06-01 06:17:43",
   "rtoken": "0fca914b-2669-48cd-97e8-f247669a6034"
}

View the transaction

Once the transaction is processed, it can be viewed by calling the Get Pending Deposits endpoint. This endpoint retrieves a list of incoming ACH credits pending manual review. Look for transactions with the RNM category code (name mismatch).

Response

{
  "response": {
    "status_code": 0,
    "status": "Success",
    "processing_time": 0.261,
    "response_data": {
      "pending_deposit_count": 9,
      "page": 1,
      "total_record_count": 9,
      "number_of_pages": 1,
      "start_date": "",
      "end_date": "",
      "pending_deposits": {
        "pending_deposit": {
          "ach_trans_id": 5023128683,
          "amt": 100,
          "in_ts": "2023-05-11 07:13:11",
          "effective_dt": "2023-05-11 00:00:00",
          "name": "John Doe",
          "xid": 123456,
          "prog_id": 123,
          "batch_hdr": "5220Tax Refunds Now                     031101169 WEBSubscribe       230501   1031101160000001",
          "dest_acct_no": 12345678,
          "source_inst_id": 123456780,
          "source_inst_name": "uu",
          "source_acct_no": "MDAxNrtRXRc5TEZ/qXVllLM3QjcK",
          "status": "U",
          "trans_type": "DK",
          "addenda_rec": "",
          "categories": {
            "category": {
              "category_code": "RNM",
              "description": "Unverified name (NAM)",
              "status": "NEW",
              "ach_source_id": 21786
            }
          },
          "efname": "MDAxNuKP9BxGz/E1VpekJtLMxyYK",
          "elname": "MDAxNo4qKaeLBzAfb4RSsWNuuTYK",
          "pmt_ref_no": 123456789
        }
      }
    },
    "echo": {
      "provider_transaction_id": "",
      "provider_timestamp": "",
      "transaction_id": 5023067777
    },
    "system_timestamp": "2023-06-07 15:06:37",
    "rtoken": "57bfb3d6-1162-4076-82f1-a47036b008b2"
  }
}

Approve or reject the transaction

To take action on the pending deposit transaction, call the Modify Pending Deposit Status endpoint. This transaction can be approved or rejected. To reject transactions, use the appropriate return code. In this case, use the retCode:R17 to indicate that the entry was initiated under questionable circumstances.

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Note

This return code is available only to programs that use Payment Screening for Incoming ACH Credits.

Response

{
  "status_code": 0,
  "status": "Success",
  "processing_time": 0.443,
  "response_data": {
    "deposit_transaction_id": "75001797",
    "action_type": "P",
    "category_type": "A",
    "category_code": "RNM"
  },
  "echo": {
    "provider_transaction_id": "",
    "provider_timestamp": null,
    "transaction_id": "52fa5fc4-beb2-49ad-b719-37d9abd4ec4d"
  },
  "rtoken": "8cc16de0-5eda-4e2a-968e-3b08fce6f778",
  "system_timestamp": "2020-07-15 14:55:11"
}

Updated 6 months ago