Testing Outgoing ACH Transactions

This guide explains how to test outgoing ACH transactions in the CV environment using the Program API. Do not follow this procedure to test in Production. For information on testing incoming ACH transactions, read Setup for Incoming ACH Transactions.

Along with this guide you might want to read these:

• About ACH – An overview of general ACH use cases, terminology, standards, and the movement of funds in a typical ACH transaction.
• ACH at Galileo – Discusses how ACH works at Galileo and the decisions to make before you set up a product for ACH.
• ACH for Businesses – Discusses the additional considerations required for business programs.

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Warning

ACH configuration must be completed by both Galileo and the bank prior to testing.

Follow the step-by-step instructions for consumer programs or for business programs:

Consumer programs (C2C/C2B)

1. Use Create Account to create an account on the Galileo platform.
2. Use Add ACH Account to link an external consumer account to the Galileo-powered account. This can be a fake account for a CV environment.
3. Use Create ACH Transaction to initiate an outgoing debit or a credit.
   1. Provide the test account PRN and a corresponding dollar amount.
   2. Add a value to the identNumber field:
      1. C2B (CIE) — Enter the account number by which the Originator is known to the Receiver. It is used by the receiver to update accounts receivable records. It should be the number shown on an invoice, statement, bill head, notice, or other communication as the reference. Numbers may be policy, customer, invoice, meter, sequence, and/or alphanumeric combinations. Mandatory.
      2. C2C (WEB) — This field contains the name of the Originator for use by the RDFI on the periodic statement. Mandatory.
         Galileo then uses the user test account PRN(s) and the corresponding dollar amount(s) to generate a test file, which is sent via secure email by Galileo to the issuing bank for file processing validation and feature signoff.

Business programs (B2C/B2B)

1. Use Create Account to create a corporate account on the Galileo platform. (If an account already exists, skip to step 2.)
   1. Ensure the businessName field for this account is configured with a valid value. Use Update Account to update this if needed.
2. Use Add ACH Account Corporate to link an external business account to the Galileo powered account. This can be a fake account for a CV environment.
3. Use Create ACH Transaction to initiate an outgoing debit or a credit.
   1. Provide the user test account PRN and the corresponding dollar amount.
   2. Add a value in the identNumber field:
      1. B2B (CCD) – Pass the account number by which the Receiver is known to the Originator. Used for further identification and for descriptive purposes. Optional.
      2. B2C (PPD) – For a Return Fee Entry related to an ARC, BOC, POP, or RCK Entry, or to an item that was eligible to be converted to a debit Entry but was not converted, this field must contain the Check Serial Number contained within the ARC, BOC, POP, or RCK Entry or item. Optional.

Galileo then uses the user test account PRN and the corresponding dollar amount to generate a test file. That test file will be sent via secure email by Galileo to the Issuing Bank for file processing validation and feature signoff.

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Note

For detailed instructions for how to use the above APIs, please see ACH Endpoints .