Testing Corporate Credit Limits

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Availability

This guide is intended to provide a general outline of new Galileo functionality prior to its release to production. The information in this guide is therefore subject to change as development proceeds and is not a guarantee of future functionality. If you are interested in this feature, contact Galileo for details.

This guide explains how to test Corporate Credit Limits (CCL) in the CV environment using the Program API. Do not follow this procedure to test in Production.

Along with this guide you might want to read these:

• Corporate Credit Limits — Explanation of what Corporate Credit Limits are, with use cases.
• Creating Corporate Credit Accounts — Properties of CCL accounts and how to set them up.
• Corporate Credit Limit Transaction Examples — How various Corporate Credit Limit transaction types look in the ledger.

In this scenario you will:

1. Create a CCL funding account
2. Set a credit limit
3. Create one or more CCL spending accounts
4. Simulate a card authorization and settlement
5. View the authorization/settlement as well as the funding transactions
6. Adjust the available credit

Remember that the CV environment runs on Galileo system time.

Set up the products

Work with Galileo to set up your CCL funding and CCL spending products in CV. Galileo recommends that you configure all of the settings that you intend to use in Production.

CCL funding product

At minimum, the funding product should have these characteristics:

• Product otype 0
• Product category 32

CC spending product

At minimum, the spending product should have this characteristic:

• Product category 33

Create the accounts

Follow these steps to create a CCL funding and a CCL spending account.

Create the CCL funding account

1. Call Create Account with these parameters:

2. In the response, capture the pmt_ref_no (PRN) for future use.

Activate the CCL funding account

1. Check the status of the CCL funding account by calling Verify Account with this parameter:

• accountNo: PRN of the CCL funding account

2. If the account_status is not N, activate the CCL funding account by calling Modify Status with these parameters:

Set the credit limit on the funding account

To set the credit limit on the CCL funding account, call Set Corporate Credit Limit with these parameters:

Create a CCL spending account

1. Call Create Account with these parameters.

2. Capture the these values from the response:
   • pmt_ref_no
   • card_id (CAD)
   • Last four digits of card_number
   • expiry_date
   • card_security_code
3. As desired, create a second CCL spending account, such as a card with a different CCL spending account product ID.

Activate the spending card

After creating the CCL spending card, call Activate Card with these parameters:

5. To verify that the card has been activated, call Get Card with the PRN or CAD of the card for accountNo. Inside the embossed_cards object you should see status: N.

View account relationship

To see the relationship between the CCL funding and CCL spending accounts, call Get RTF Account Relationship with this parameter:

• accountNo: PRN of the CCL funding account, which returns all of the spending accounts that are associated with it.

Alternatively, you can call the endpoint with a CCL spending account PRN for accountNo to return the associated CCL funding account.

Perform transactions

1. To simulate a simple card transaction in CV, call the Create Simulated Card Authorization endpoint with these parameters:

2. Capture the auth_id for future use.
3. Settle the transaction by calling the Create Simulated Card Settlement endpoint with these parameters:

View the CCL transactions

To see the transactions that were created, call Get All Transaction History twice:

1. accountNo — PRN of the CCL funding account
2. accountNo — PRN of the CCL spending account

For the CCL spending account you should see four transactions. The auth_id and source_id are example values only.

For the CCL funding account, you should see one transaction.

Check the credit limit

For the funding account, call Get Corporate Credit Summary. This should be the result:

• available_credit: 990
• credit_limit: 1000

The cards can continue spending until the available_credit reaches 0. After that, all authorization requests are denied until one of these events happens:

• The credit limit is increased.
• Funds are added to the funding account, such as to pay some or all of the balance.

Pay off the balance

For the CCL funding account, call Get Balance. This should be the result:

• balance: -10

That is the amount owed on the CCL funding account. To pay it off, you can apply the funds to either the CCL spending account or the CCL funding account. If you apply funds to the spending account, they will be transferred into the funding account.

For this example, call Create Adjustment for the CCL spending account with these parameters:

Alternatively, you can use Create Payment to apply the funds, using the same type.

Add funds to the funding account

You do not need to add funds to the funding account for the spending cards to have available funds—setting a credit limit is enough. However, you can add funds in excess of the balance owed, which increases the available amount to spend.

Call Create Adjustment for the CCL funding account with these parameters:

Call Get Corporate Credit Summary for the funding account. This should be the result:

• available_credit: 1500
• credit_limit: 1000

The available credit is higher than the credit limit by 500.00. The spending cards now have a 1500.00 spending limit, without needing to change the credit limit.

Alternatively, you can call Set Corporate Credit Limit to set the credit limit to 1500.00.

Simulate a Visa transaction

To simulate a Visa transaction instead of the Mastercard transaction shown above, pass association: visa. In the response to Get All Transaction History, the transaction codes will be:

• VIA — Authorization
• BVA — Backout
• VSA — Settlement

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Note

For other types of transactions, see the Simulating Card Transactions guide.