Parameters

This page contains common product, program, and provider parameters that are available to configure. Galileo configures these parameters for you during program and product setup. Also see Product Settings for further options.

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Note
The total number of parameters in the Galileo system exceeds 500, so not all parameters are displayed here. In some cases, a parameter represents legacy functionality that is no longer available.

To view the parameters that are configured for your products, you have these options:

Call the Get Product Config endpoint and specify section: parameter.
In the Galileo Client Console, open the page for each product.

The Level column in each table specifies the level at which the parameter can be set.

prod — Product level. Applies to every account with the same prod_id.
prog — Program level. Applies to every account with the same prog_id.
prov — Provider level. Applies to all of your accounts.


Onboarding Accounts Deposit Sweeps Round Up Account holder refunds Chargeoff Overdraft Cards Instant-issue cards Card loads Mobile wallets	PINs PIN Retrieval Service PIN-set procedures Offline PIN Authorization Balance inquiries Non-card transactions ACH Fees Holds Bill pay	Disputes Risk Credit Single-use virtual card Program API Events API Auth API External Trans API

Onboarding (KYC/CIP)

For more information on onboarding, see Customer ID Verification.

Parameter	Level	Description	Values
CIPAP	prod	Which applications can run ID verification when onboarding customers: CST (`tool`) or Program API (`intserv/4.0`).	String — Comma-separated list of codes for applications to use for CIP during onboarding. Not set — Do not run CIP during onboarding.
CIPGT	prod	Specifies government ID types that are required for CIP. Government ID types correspond to `idType` and `idType2` in the Create Account endpoint.	String — Comma-separated list of government ID types that are required for CIP. Not set — Only require an SSN for CIP.
DOB	prod	Specifies the minimum age of the cardholder.	Integer — Minimum cardholder age 0 or not set — Minimum age for a primary account is 18 and minimum age for a secondary account is 13.
FFTID	prod	Controls whether an applicant can provide a driver’s license instead of SSN for CIP.	Y — Accept an SSN or driver license for CIP Other or not set — Accept only an SSN for CIP and force fail CIP if an SSN is not provided.
IDSSN	prod	Specifies whether an SSN is required, optional, or will not be requested for identification during onboarding. This parameter also specifies whether the customer can claim that they do not have an SSN. When this parameter is set, CIPGT is required to allow SSN as a valid ID for onboarding. When this parameter is not set, SSN is not validated for uniqueness	Req or 1 — SSN is required and validated for uniqueness (in VLDVL) Opt or 0 — SSN is optional and is not validated for uniqueness. Req-force — SSN is required unless the cardholder claims not to have an SSN. Opt-force — SSN is optional and the cardholder can claim not to have an SSN. Not set — SSN is not validated for uniqueness.
MPADD	prod	Contains the mailing address where customers mail paper documents after KYC/CIP verification fails. This parameter is required when TOTID is set.	String — Mailing address where customers mail paper documents. Not set — No address is provided.
MPFAX	prod	Contains the number for customers to fax documentation when KYC/CIP verification fails.	String — Number for customers to fax documentation. Not set — No number is provided
RTTID	prod	Controls whether ID verification is performed at the time of onboarding, using Galileo's integrated KYC/CIP process. This parameter is required when TOTID is set to `RT`.	Y — Perform ID verification at the time of onboarding. Other or not set — Use the value in TOTID.
TIDST	prod	Specifies which account status to set when a prospective customer fails ID verification. This parameter is valid only when using Galileo's integrated ID verification process.	- (hyphen) or not set — Statuses are not updated. N — Active status not updated. Account status set to `N` (active). F — Active status set to `N` (not active). Account status set to `F` (failed). Other — Account status set to this value.
TOTID	prod	Controls whether this product uses Galileo's integrated ID verification process during onboarding via Program API and whether the verification is performed in real time or as a batch. This parameter is required for all products.	RT — Use Galileo's integrated ID verification process, and perform verification in real time. B — Use Galileo's integrated ID verification process, and perform verification in a batch. N — Do not use Galileo's integrated ID verification process.
TUCRY	prod	Specifies the country database to use for Galileo's integrated ID verification process. This parameter is required to be set to `CAN` for Canadian ID verification.	CAN — Use the Canadian database. US or not set — Use the United States database.
VALID	prod	Whether the product requires a unique government ID, such as SSN for the U.S. or SIN for Canada or a driver license. When this parameter is set to `1`, VLDLV must be set. Use IDSSN to specify that the government ID must be an SSN.	1 — Government ID validation is required. 0 or not set — Government ID validation is not required.
VLDLV	prod	Controls the level at which a government ID must be unique: product, program, or provider. Valid only when TOTID is set to `Y` and when the onboarding is performed via Program API.. This parameter is required when VALID is set to `1`.	prod — No accounts with the same product ID can have the same government ID. prog — No accounts with the same program ID can have the same government ID. db — No accounts with the same provider ID can have the same government ID. Not set — Government ID does not need to be unique.


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Accounts

For more information, see About Accounts.

Parameter	Level	Description	Values
ACSET	prod	Controls the steps that are required for account setup during onboarding. Set this parameter if additional enrollment steps are required before an account can perform a transaction after account creation. This parameter is required for all products unless XAACT is configured instead. When this parameter is not set and XAACT is not set, new accounts are not processed.	String — Two-letter code indicating the steps that are required for account setup during onboarding. Not set — New accounts are not created unless XAACT is set.
ACTYP	prod	Controls whether the product is a savings account (`R`) or a prepaid account (`S`). When this parameter is not set, the product is not a savings account or a prepaid account.	R — Savings account (“rainy day”). S — Prepaid account (“spending”). Other or not set — Product is not a savings account or prepaid account.
AENUL	prov	Controls whether the email address can be nullified by the Update Account endpoint.	1 — Allow the account-holder email address to be nullified with Update Account. Other or not set — Do not allow email addresses to be nullified.
ASTPO	prov	Controls whether the cardholder's ship-to address can be a P.O. box.	1 — Allow the cardholder's ship-to address to be a P.O. box. Other or not set — Do not allow P.O. boxes for ship-to addresses.
BCDAT	prod	Controls the start date to use when calculating the bill cycle. This parameter is required for products with bill cycle setup (cycle fee) at account creation. This parameter sets the bill cycle start date to be calculated from either the account start date (`ACCT`) or the card activation date (`CARD`). BCDAY is required to set the length of time to wait before assessing monthly fees. When this parameter is not set, the bill cycle will fail.	ACCT — Calculate the bill cycle from the account start date. CARD — Calculate the bill cycle from the card activation date. Other — Bill cycle process fails.
CCODE	prod	Contains the currency code for transactions on the product.	Integer — 3-digit ISO 4217 numeric code for the currency
CDACT	prod	Specifies the number of days to wait before closing an account that has a 0.00 balance.	Integer — Number of days before automatically closing an account that has a 0.00 balance Not set — Do not automatically close an account that has a 0.00 balance
DOB	prod	Specifies the minimum age of the cardholder. A card is issued only if the customer’s age is at least the value in this parameter.	Integer — Minimum cardholder age. 0 or not set — Minimum age for a primary account is 18 and minimum age for a secondary account is 13.
EAPOB	prod	Controls whether a P.O. box is a valid applicant address for onboarding.	Y — Allow applicants to use a P.O. box address for onboarding. Other or not set — Do not allow applicants to use a P.O. box address for onboarding.
FTAVS	prog	Specifies the number of accounts within the program that can have the same street address. The address is verified against the concatenated street name and zip code. When the number of accounts with the same address reaches the number in this parameter, additional accounts cannot be created.	Integer — Number of accounts within a program that can have the same street address. 0 or not set — Do not limit the number of accounts that have the same street address.
INTMX	prod	Specifies the maximum balance amount to which interest is applied. For example, if the value of this parameter is 9999 and the balance is 15 000.00, then 5000.00 is not included in the interest calculation.	Decimal number — Maximum balance amount to include in the interest calculation. 0 — Do not apply interest to this product. Not set — There is no limit on the amount to include in the interest calculation.
LCALE	prov	Specifies the locale of the provider, e.g., `en_US`	String — Provider locale
MAINP	prod	Specifies the precedence of products within the program. The first product listed in this parameter is the primary product, and the account associated with the product is the main account. Specify products in this parameter in this order: personal instant-issue virtual spending secondary overdraft savings When this parameter is not set, the account with the greatest CAD for a particular cardholder is the main account. This parameter is required when SAVPI is set.	String — Comma-separated list of product IDs in order of precedence. Not set — Use the account with the highest CAD in the list of products for a particular cardholder as the main account.
PRIOR	prod	Contains a list of products to be considered as primary products for this secondary product. This parameter is set on secondary account products and is valid only when ASFDS is set to `P` on the secondary product. The highest number in this list is designated as the primary account for this secondary account, such that the primary account is assessed the fees that the secondary account incurs.	String — Comma-separated product IDs of potential primary products for this product. Not set — This is not a secondary account.
SAVCL	prod	Contains the transfer type for closing a savings account. This parameter is required both for savings account products and for products with an associated savings account. When this parameter is not set, funds movement fails.	MSCL — The only valid value. Not set — This is not a savings account nor an account that has an associated savings account.
SAVIR	prod	Specifies the interest rate for the account. This parameter is required when SAVIN is set but can also be set for any interest-bearing account. When you set this parameter, SAVIT and SAVFQ are required.	Decimal number — Interest rate for the account. 0 or not set — This account does not accrue interest.
SAVIT	prod	Specifies the transaction type (otype) to use for interest payments. This parameter is valid for any interest-bearing account. This parameter is required when SAVIN is set.	String — Interest payment transaction type to use for interest payments Not set — Use the default value: `MZ`
SAVPI	prod	Specifies which product is the associated savings account for this product. When this parameter is set, accounts created with this product ID are eligible to enroll in the specified savings account product. Set this parameter on the primary account. MAINP is required when this parameter is set. When this parameter is not set, this product is not eligible to enroll in a savings account. However, if internal account fet_id 69 is set for an individual account, that overrides the value in this parameter. This parameter accepts only one product ID; to associate multiple savings account products with this product, use SAVPL. Do not set this parameter when SAVPL is set.	String — The savings account product ID to associate with this product. Not set — No savings account is associated with this product.
SAVPL	prod	Specifies which savings account products can be associated with this primary product, where there are multiple possible savings account products. Set this parameter on the primary account. Do not set this parameter if SAVPI is set. When this parameter is set, accounts created with this product ID are eligible to enroll in one of the specified savings account products. MAINP is required when this parameter is set.	String — Comma-separated list (no spaces) of savings account product IDs to associate with this primary product. Not set — Use the value in SAVPI.
SAVXF	prod	Specifies the transfer type when moving funds into and out of a savings account. This parameter is required to make transfers and is valid only when SAVIN is set.	MSAV — The only valid value. Not set — This is not a savings account.
SCLMS	prod	Specifies the statuses that an account must be in for the account to count toward the limit specified in SECLM when the Create Account and Add Account endpoints are used. This parameter is valid only when SECLM is set. Set this parameter to the same value on the primary and secondary products. For example, if SECLM is 100, and 120 secondary accounts are associated with the primary account, and this parameter is set to `N`, only 100 of those secondary accounts can be in `status: N` without violating the limit in SECLM. If you try to create one more account in `status: N`, the SECLM limit is violated. When this parameter is not set, the statuses that are counted by default are `N`, `L`, `S`, `A`, `V`, `W`, `X`, and `Y`.	String — Comma-separated account statuses that count toward the limit in SECLM. Not set — The default set of statuses are counted toward the limit in SECLM.
SDI	prod prog	Controls whether to post interest manually instead of automatically. Set this parameter at either the product or program level but not both. When this parameter is not set, interest posts automatically.	Y — Interest is not posted by default. Other or not set — Interest is posted automatically.
SECLM	prod	Contains the number of secondary accounts that can be created for this product. This parameter can be set on both primary and secondary products. This parameter is valid only when SECP is set. When set on a primary product, this parameter limits the total number of secondary accounts that can be created per primary account. For example, if this parameter is set to `50` for a primary account, a total of 50 secondary accounts (with any product ID) can be associated with the primary account. When set on a secondary product, this parameter limits the total number of secondary accounts with this same product ID that can be associated with the primary account. For example, if this parameter is set to `20` for a secondary product that has product ID 4444, only 20 secondary accounts with product ID 4444 can be associated with a primary account. When this parameter is set for both primary and secondary accounts, both conditions apply, with the primary product taking precedence when the sum of the secondary product reaches its limit. For example, if this parameter is set to `50` for the primary account and `20` for the secondary (product ID 4444), and 20 secondary accounts with product ID 4444 are already associated with the primary account, then 30 secondary accounts with other product IDs can still be created for the primary account. When this parameter is not set, the value defaults to `1`. To specify the account statuses to be included in this count, use SCLMS. To specify which secondary products can be associated with a primary product, use SECP.	Integer — Number of secondary accounts that can be associated with the primary account. 0 — This product cannot have primary/secondary account linkage. Not set — The value of this parameter is `1`.
SECP	prod	Specifies the product IDs of the secondary products that can be associated with this primary product. Set this parameter on the primary product only. The secondary product IDs must have the same program ID as the primary product. Use SECLM to set limits on the number of secondary accounts a primary account can have. When this parameter is not set, no secondary accounts can be associated with this account.	String — Comma-separated list of secondary product IDs that can be associated with this primary account. Put the product IDs in the same order you want them displayed to the cardholder. Not set — No secondary accounts can be associated with this primary account.
XAACT	prod	Specifies the account and card statuses upon account creation. The three characters denote (1) account-active status (2) account status (3) card status. This parameter overrides the defaults for account and card statuses, which are `NV-`. Do not set this parameter for products that do not have a card.	- (hyphen) — No override First character (account active or not): Y — Account is active N — Account is not active Second character (account status): G — Waiting for card activation N — Active V — Application submitted W — Waiting to be processed Third character (card status): C — Canceled N — Active O — Operations hold W — Waiting for payment X — Set to emboss


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Deposit Sweeps

For more information, see Deposit Sweeps.

Parameter	Level	Description	Values
PASWP	prod	Controls whether to sweep primary and secondary accounts under the same aggregate ID. When set to `Y`, IntraFi treats all balances for these accounts as the same balance when dispersing funds.	Y — Galileo sends all secondary accounts to IntraFi under the same aggregate ID as the primary account Other or not set — Galileo sends all primary and secondary accounts to IntraFi with unique aggregate IDs
PROMP	prod	Controls whether the product is enrolled in Deposit Sweeps.	Any value — Enroll this product in Deposit Sweeps Not set — Do not enroll this product in Deposit Sweeps
XTSWP	prod	Controls whether Galileo sends account activity to IntraFi. Set this parameter only if SAVIR is not set.	Y — Galileo sends account activity to IntraFi. Other or not set — Galileo does not send account activity to IntraFi.


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Round Up

For more information, see Round Up.

Parameter	Level	Description	Values
RFGDA	prod	Contains a custom payment type (otype) for funds moving into the Round Up deposit account. When this parameter is not set, the value is `rg`.	String — Custom otype for funds adjusted from the card account. Not set — Use the default otype `rg`.
RFGUA	prod	Contains a custom adjustment type (otype) for funds moving out of the card account. When this parameter is not set, the value is `RG`.	String — Custom otype for funds adjusted from the card account. Not set — Use the default otype `RG`.
RFGTA	prod	Specifies a Round Up threshold value. If the amount to round up is greater than the value in this parameter, then no round up occurs. When this parameter is not set, there is no threshold limit for Round Up.	Integer — Value from 1–99 to set the threshold for rounding up. Other or not set — There is no threshold.


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Account holder refunds

For more information, see Account Holder Refunds.

Parameter	Level	Description	Values
CRCHK	prod	Controls whether a card must be mailed back before a refund check is issued. This parameter is required when there is a refund product set up for this product. When this parameter is not set, accounts will not be refunded. This parameter is required when OGRAC is set. When this parameter is set to `Y`, MCTOB and MDAYC are required.	Y — Require the card to be returned before a refund check can be issued. N — Issue a refund check regardless of whether the card is returned. Other or not set — Do not issue a refund check.
MCOTB	prod	Contains the maximum amount for a refund check issued when an account is canceled. This parameter is required when there is a refund product set up for this product. When this parameter is not set, attempts to issue a refund are denied. Example: 5000.00	Decimal number — Maximum amount for a refund check issued for a canceled account. Not set — Do not issue a refund check for a canceled account.
MDAYC	prod	Specifies the number of calendar days after an account has been canceled to issue a refund. This parameter is required when there is a refund product configured for this product. When this parameter is not set, attempts to issue a refund are denied.	Integer — Number of days to wait after an account has been canceled to issue a refund. Not set — Do not issue a refund for a canceled account.
MDAYP	prod	Specifies the number of days after the last payment to issue a refund on an account that fails KYC/CIP. This parameter is required when OGRAC is set. When this parameter is set, MTOTB must also be set.	Integer — Number of days to wait after the last payment before issuing a refund. Not set — Do not issue a refund for an account that fails KYC/CIP.
MTOTB	prod	Contains the maximum amount for a refund check that is issued when an account fails Galileo’s integrated KYC/CIP process. When MDAYP is set, this parameter is required.	Decimal number — Maximum amount for a refund check issued when an account fails KYC/CIP. Not set — Do not issue a refund when an account fails KYC/CIP.
OGRAC	prod	Specifies the refund account to debit when paying out a refund for this product. This parameter is required when a refund product exists for this product. When this parameter is set, RANAM is required on the refund account.	Integer — Refund PRN for this product. Not set — No refund account is associated with this product.
RANAM	prod	Contains the name of the refund account that is specified in OGRAC. This parameter is set on the refund account, and it is required when OGRAC is populated on the product that uses the refund account. When this parameter is not populated and OGRAC is set, refunds are not processed.	String — Name for the refund account in OGRAC. Maximum 512 characters. Not set — There is no refund account for this product.


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Chargeoff

Parameter	Level	Description	Values
BALCO	prog	Specifies the product ID for the account to charge off in a multi-account program. When this parameter is set, secondary account balances are not charged off, but transferred to this account. When this parameter is not set, secondary account balances are charged off.	Integer — Product ID for the account to charge off in a multi-account program. Not set — Charge off secondary account balances.
CODYS	prod	Specifies the number of days to wait until charging off an account with a negative balance. This parameter is required for all products except overdraft products. Do not set this parameter on overdraft account products. If the product has an overdraft product associated with it, set ODPDN instead of CODYS to avoid adding both values together.	Integer — Number of days to wait until charging off an account with a negative balance. Not set — Charge off an account with a negative balance after 730 days (two years).


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Overdraft

For more information, see Configuring Overdraft Products.

Parameter	Level	Product to set	Description	Values
BRIOD	prod	Primary	Controls whether to block recurring transactions from using overdraft account funds.	Y — Block recurring transactions from overdraft account funds. Other or not set — Allow recurring transactions to be paid with overdraft account funds.
ODATM	prod	Primary	Controls whether ATM and cashback transactions can use overdraft. When this parameter is not set, ATM and cashback transactions cannot use overdraft; however, partial approvals for a purchase amount only can still use overdraft. For example, say that the available balance on the primary account is 30.00. The cardholder attempts to make a purchase for 40.00 of goods with 20.00 cash back. The transaction will be approved only for 40.00, which means that the amount drawn from overdraft will be 10.00. The 20.00 cashback will not be approved.	Y — ATM and cash-back transactions can use overdraft. Other or not set — ATM and cashback transactions cannot use overdraft.
ODBUF	prod	Overdraft	Specifies the de minimis threshold for an overdraft transaction to trigger a fee. An overdraft transaction that is equal to or greater than this value triggers a fee. This parameter triggers a fee on a per-transaction basis; to trigger a fee on the available overdraft balance, use ODDMB. When both this parameter and ODDMB are set, a fee on a transaction may still be charged if the transaction results in an available overdraft balance that is greater than the amount specified in ODDMB. For example, if this parameter is set to 20.00, ODDMB is set to 100.00, and the available overdraft balance is 90.00, a 15.00 overdraft transaction does not trigger the per-transaction fee (ODBUF), but it does trigger the overall balance fee (ODDMB).	Decimal number — Minimum amount at which a per-transaction fee is charged. 0 or not set — A per-transaction fee is always charged.
ODCAE	prod	Primary	Controls the eligibility check for overdraft accounts. This parameter is required when using the automated eligibility check. To be eligible, the customer record must contain a syntactically valid email address, and the primary account must have had a positive balance at least once during the past number of specified days. For example, a value of `Y35` checks for a positive balance during the last 35 days. If the account does not meet the eligibility requirements, the credit limit is changed to 0 and the overdraft account status is updated to `K` (suspended).	Y[integer] — Perform the check, and check the past [integer] days. Other or not set — Do not perform the check.
ODDMB	prod	Overdraft	Specifies the minimum de minimis value before a fee is triggered. When the available overdraft balance is greater than this value, a fee is triggered. This parameter triggers a fee on the total available overdraft balance; to trigger a fee on a per-transaction basis, use ODBUF.	Decimal number — Minimum amount of the available overdraft balance at which a fee is charged. 0 or not set — A fee is always charged when the available overdraft balance becomes positive.
ODELG	prod	Primary	Controls whether a DDA is eligible to use overdraft upon account creation. This parameter is set on the primary product, such that account feature 17 is set to E (eligible) when a primary account is created. With the value set to E on the primary account, an associated overdraft account can then be manually created.	Y — Set account feature 17 to `E` (eligible) when the account is created. Other or not set — Do not set account feature 17 when the account is created.
ODFDC	prod	Primary	Contains text for the overdraft fee description that will be displayed in the CST along with the merchant name and clearing date. Typical values are `Overdraft Transaction Fee` and `Overdraft Fee`. When this parameter is not populated, the merchant name and clearing date are still included in the description. Set this parameter on the product that will be assessed overdraft fees, as specified in ODFOC.	String — Text that is added to the overdraft fee description. Limit: 512 characters. Not set — No text is added to the merchant name and clearing date.
ODFGP	prod	Primary	Specifies the number of hours for the overdraft grace period. This period occurs between an overdraft transaction and the overdraft balance being paid off, wherein overdraft fees are negated, meaning that settled fees are reversed out and unsettled fees are changed to zero. For example, say the value for this parameter is 24. The cardholder makes an overdraft transaction and is assessed a fee. After 23 hours, the cardholder deposits sufficient funds into the primary account to pay the full overdraft amount. The overdraft fee is then reversed.	Integer — Number of hours for the grace period. 0 or not set — There is no grace period.
ODMOB	prod	Primary	Specifies which action to take after a primary account is opted out of overdraft: move the overdraft balance and close the primary and overdraft accounts, move the overdraft balance and charge off the account, move the overdraft balance only, or do nothing. The opting out can be triggered by ODPDN (non-payment of overdraft balance), by account holder action, or by other processes.	Y — Move the overdraft balance to the primary, driving the primary negative, and mark unpaid overdraft transactions as paid. Set account feature 17 on the primary account according to the value in ODOBI. R — Move the overdraft balance to the primary, driving the primary negative, but do not change account feature 17. Mark unpaid overdraft transactions as paid. Change the primary and overdraft accounts to `status: R` (charged off). N — Do not move the overdraft balance to the primary and do not close the accounts. Other or not set — Move the overdraft balance to the primary and mark unpaid overdraft transactions as "paid," but take no further action.
ODOBI	prod	Primary	Specifies which value to assign to account feature 17 when a primary account opts out of overdraft. When account feature 17 is set to `I` (ineligible), it cannot be set back to `P` (participating) by an automated process or cardholder action. When account feature 17 is set to `E` (eligible), automated processes can change it back to `P`.	N — The automated process changes account feature 17 to `I` (ineligible). Y — The automated process changes account feature 17 to `E` (eligible). Not set — The process returns an error.
ODOUT	prod	Primary	Controls whether the cardholder can opt out of overdraft on the Galileo-hosted cardholder website.	Y — The cardholder can opt out of overdraft on the cardholder website. Other or not set — The cardholder cannot opt out of overdraft on the cardholder website.
ODPAA	prod	Primary	Specifies the number of days after which all available funds in a primary account are automatically used to pay the overdraft balance, even when the available primary balance is less than the overdraft amount. After the number of days specified in this parameter, an automated process checks multiple times per day for a deposit into the primary account, and then moves available funds as necessary. For example, if this parameter is set to `2`, and a 15.00 overdraft transaction occurs on the 10th of the month, then on the 12th the automated process checks for a positive available balance on the primary account. If the balance is positive, the process moves up to 15.00 into overdraft. If the primary account contains only 5.00, the process moves 5.00 into overdraft, and then continues to check multiple times per day until sufficient funds have been moved to pay the full overdraft balance.	Integer — After this many days after an overdraft transaction, automatically move funds from the primary account to pay the overdraft balance. Not set — Do not automatically repay overdraft from the primary account.
ODPDN	prod	Primary	Specifies the number of days before an overdraft account with an unpaid balance is automatically paid off, driving the primary account negative. This parameter takes effect when the available primary balance is less than the overdraft balance. Galileo recommends that you set CODYS to the same value as this parameter. When this parameter is set, funds are automatically moved from the primary account to the overdraft account to pay off the overdraft balance, even if it drives the primary account negative. The value specifies the number of days after the last unpaid overdraft transaction to move the funds. After the funds are moved to overdraft, the action specified in ODMOB is executed, if set.	Integer — After this many days after the last unpaid overdraft transaction, move funds from the primary account to overdraft, driving the primary account negative, and execute the action in ODMOB, if set. 0 or not set — Do not automatically move funds into overdraft when the primary available balance is less than the overdraft balance, and do not close overdraft.
ODPSQ	prod	Primary	Specifies the number of days after an overdraft transaction until the account is automatically marked delinquent, if there is no payment into overdraft. (Both the primary and overdraft accounts are set to `status: Q`.) After the statuses have been changed to `Q` (delinquent), the accounts will be automatically returned to `status: N` when the cardholder deposits sufficient funds into the primary account to fully pay off overdraft.	Integer — After this number of days, automatically set account status to `Q` (delinquent) for failure to pay overdraft. Not set — Do not automatically mark accounts delinquent for failure to pay off overdraft.


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Cards

For more information, see Setting Up a Card Program.

Parameter	Level	Description	Values
AAVPV	prod	Controls whether transactions require the account-holder authentication validation (AAV) value. When this parameter is set to `Y`, AAV relies on Mastercard or Visa’s on-behalf services. When it is set to `G`, Galileo performs AAV. For either method, the transaction is declined if AAV fails.	Y — Use Mastercard or Visa’s AAV service. G — Use Galileo’s AAV service. Other or not set — Do not require the AAV.
ASPRD	prod	Controls whether a cardholder can have multiple copies of a card for the same account.	1 — Allow a cardholder to have multiple copies of a card for an account. Other or not set — Do not allow a cardholder to have multiple copies of a card for an account.
ATCDF	prod	Specifies the application transaction counter (ATC) tolerance for contactless transactions. This parameter is required for contactless cards. Contactless chips maintain an ATC that increments each time the card is used. For added security, Galileo keeps an independent count and compares it to the ATC. If the ATC is outside of the tolerance in this parameter, the contactless transaction is denied. See ATCDF examples for more information.	Integer — Allowed ATC tolerance. Not set — Apply the default ATC tolerance (±10)
CANCS	prod	Specifies the statuses that a card must be in to be canceled when a new card is activated for the same cardholder. This parameter is consulted when CANOC is set. Default: `N,X,Y,W`	String — Comma-separated list of card statuses to cancel when a new card is activated. Not set — Cancel cards only in statuses `N`, `W`, `X` or `Y` when a new card is activated.
CANOC	prod prog	Controls whether to cancel other cards when a card with the same cardholder is activated. When this parameter is set at the product level, cards with the same product ID and cardholder are canceled. When this parameter is set at a program level, cards with the same program ID and cardholder are canceled. Cards to be canceled must also be in the status specified in CANOC.	Y — When a new card is activated, cancel other active cards with the same cardholder and program or product ID. Other or not set — When a new card is activated, do not cancel other cards.
CRDBL	prod	Specifies card statuses that block card activation.	String — Comma-separated list of card statuses that block card activation. Not set — Cards are activated regardless of status.
CTRNS	prod	Controls whether a frozen card can still receive transactions that credit the account.	Y — Allow transactions that credit an account with a frozen card and deny debits Other or null — Deny all transactions on a frozen card."
CVV1F	prod	Specifies the number of failed attempts to enter CVV1 within a period before transactions are declined.	Integer — Number of failed attempts to enter CVV1 before transactions are declined. Not set — Allow unlimited CVV1 failures.
CVV2F	prod	Specifies the number of failed attempts to enter CVV2 within a period before transactions are declined.	Integer — Number of failed attempts to enter CVV1 before transactions are declined. Not set — Allow unlimited CVV2 failures.
CVVDY	prod	Specifies the number of days to look back when counting failed attempts to input CVV1 or CVV2.	Integer — Number of days to look back when tracking CVV1 or CVV2 failures. Not set — Do not track CVV1 or CVV2 failures.
EMBFL	prod	Contains data to provide to the emboss partner in the emboss file. The emboss partner uses this data to set physical card features, card capabilities, and for account information. This parameter contains a comma-separated list of codes and static data.	String — One or more EMBFL values Not set — Data is not added to the emboss file.
EMNML	prod	Controls the number of characters for the cardholder name on a physical card. If the length of the cardholder name exceeds this number, the name is truncated on the card but the name in the emboss file does not change. If the length of the cardholder name is less than this number, the name is space-padded on the right to reach this number of characters. See Names on cards in Design a Card for more info.	Integer — Length of name field Not set — Character limit is 28 characters.
FEMBO	prod	Controls whether a card is sent to be embossed regardless of card status. Set this parameter when you want your customers to have access to a digital copy of the card while the physical card is being embossed and mailed, such as with Digital First products. When this parameter is set and you are also using Galileo's integrated KYC/CIP process, you risk sending cards to customers who fail KYC/CIP. Contact Galileo for instructions on preventing that outcome.	Y — Send a card to be embossed regardless of card status. Other or not set — Only send a card to be embossed when the card status is `X` (set to emboss).
IGACT	prod	Controls whether to bypass account-status checks for merchant credits. (All card statuses are already allowed.)	Y — Permit merchant credits for all account statuses N — Allow merchant credits only for accounts in statuses `N`, `C`, `D`, and `Z`.
MDSLU	prod	Specifies the number of days of inactivity after which an expiring card is not automatically reissued. For example, if the value of this parameter is 60, and today is 30 days before the card expires, the card is not automatically reissued if it has had no activity in the last 60 days.	Integer — When an expiring card has been inactive for this many days, do not automatically reissue. Not set — Automatically reissue regardless of activity.
NLST	prod	Controls whether a new card is sent to the cardholder when a card is reported lost or stolen using the Modify Status endpoint. This parameter does not affect the Replace Lost/Stolen Card endpoint.	N — Do not send a new card when a card is lost or stolen. Other or not set — Send a new card when a card is lost or stolen.
NNEXP	prod	Controls whether a new expiration date is generated by the card-emboss process. Set this parameter for Digital First products so that the digital card and the physical card have the same expiry and CVV.	Y — Do not generate a new expiration date when a card is embossed. Other or not set — Generate a new expiration date when a card is embossed.
NOAVS	prod	Controls whether to disable AVS; checks for authorization requests. When this parameter is set to `1`, an AVS check is not performed but instead a "gift" response is returned, which the merchant can interpret as success or failure and then act on according to merchant policy. Do not set this parameter for products that support Apple Pay — it causes tokenization to fail.	1 — Do not perform AVS checks Other or not set — Perform AVS checks when requested
RDEXP	prod prog	Contains the maximum number of months to add or subtract from the expiry date when the card is embossed. This value helps randomize a card's expiry date to make it harder to guess. For example, if this parameter is set to `5`, the emboss process generates a random number between –5 and 5 and then adds that number of months to the expiry date.	Integer — Maximum number of months to add or subtract from the default expiry date. 0 or not set — Do not add a random number of months to the default expiry date.
RDMOP	prod prog	Controls whether to generate a random set of digits for the middle of a card's PAN instead of generating them in sequence.	Y — Generate random digits for the middle of the PAN. Other or not set — Generate the middle digits in sequence.
RECNP	prod	Controls whether to require that the card have a new PAN when using the Modify Status endpoint to reissue a card. When this parameter is set, agents also have the option of reissuing a card with a new PAN on the Card Info page of the Customer Service Tool. This parameter must be set to `1` to call Modify Status with `type: 19`. This parameter does not affect card reissue using the Modify Account endpoint with `type: 12`, nor does it affect the Reissue Card endpoint.	1 — Agents have the option of reissuing a card with a new PAN in the CST, and reissues performed with Modify Status `type: 19` always have a new PAN. Other or not set — Reissued cards have the same PAN as the original card.
RIXCL	prod	Controls whether to block automatic reissue of expiring cards. This parameter should be set to `Y` for virtual card products.	Y — Do not automatically reissue expiring cards. Other or not set — Automatically reissue expiring cards.
TSECV	prod prog	Specifies the number of seconds of access-token validity (default: 300) when retrieving the virtual card image.	Integer — Number of seconds of token validity. 0 — Token is never valid. Not set — The value is `300`.
TUSEC	prod prog	Specifies the maximum times an access token can be used (default: 3) when retrieving the virtual card image.	Integer — Number of times the token can be used. 0 — Token is not valid for any attempts. Not set — The value for this parameter is `3`.
ZREVW	Prod	Specifies the threshold for manual review of merchant credits. Merchant credit requests with amounts over this threshold are flagged for manual review by Galileo Fraud. When this parameter is not set, the default thresholds are as shown in ZREVW values.	Integer — Threshold for manual review of merchant credits. Not set — Use the default thresholds.


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Instant-issue cards

For more information, see Setup for Instant Issue.

Parameter	Level	Description	Values
CASPO	prod	Specifies a default PIN to set when creating an account. The PIN is set at the time of the Create Account call.	home_phone — Set PIN to the last four digits of the cardholder’s home phone number. mobile_phone — Set PIN to the last four digits of the cardholder’s mobile phone number. prn — Set PIN to the last four digits of the cardholder’s payment reference number. Other or not set — Do not set a default PIN.
CBAD1	prod	Required. Specifies how to include the name and address for shipping instant-issue cards.	SADDR — Ship cards using only the address provided during product setup. Other or not set — Attempts to ship instant-issue cards fail.
IIEX	prod	Required. Specifies the number of years or days that the instant-issue card is valid.	Integer — The number of years or days that the instant-issue card is valid. Numbers 1–5 are years and numbers 6 and higher are days. 0 or not set — The instant-issue card is never valid.
IIPER	prod	Contains a comma-separated list of product IDs of personalized cards that the instant-issue card can upgrade to. Do not set for gift cards.	String — Comma-separated product IDs of personalized cards that the instant-issue card can upgrade to. Not set — The instant-issue card cannot be upgraded to a personalized card.
IITYP	prod	Required. Specifies an internal process to use for this instant-issue product.	PRN — Payment reference number
TEMPC	prod	Controls whether to deactivate (status D) a temporary card when the permanent card is activated. This parameter is valid only when an instant-issue card (temporary card) has a different product ID from the personalized card (permanent card) and the instant-issue and personalized cards share the same balance ID. Set this parameter on the instant-issue card. Do not set for gift cards.	1 — When the personalized card is activated, set all other accounts with the same balance ID and different product IDs to status D (deactivated); also deactivate the instant-issue card. 2 — Deactivate the instant-issue card when the personalized card is activated but do not cancel the instant-issue account. Other or not set — Do not deactivate the instant-issue card when the personalized card is activated.


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Card loads

For more information, see Card loads in Crediting Cardholder Accounts.

Parameter	Level	Description	Values
APTLD	prod	Controls whether Allpoint loads are allowed.	Y — Allow Allpoint loads. Other or not set — Do not allow Allpoint loads.
BLKLD	prod	Specifies account statuses that block card loads.	String — Concatenated list of account statuses that block loads. Not set — Allow loads for all account statuses.
DCLD	prod	Controls whether Discover loads are allowed.	Y — Allow Discover loads. Other or not set — Do not allow Discover loads.
MCLD	prod	Controls whether Mastercard rePower loads are allowed.	Y — Allow Mastercard rePower loads. Other or not set — Do not allow Mastercard rePower loads
NUMLD	prod	Specifies the maximum number of loads to permit over the lifetime of the account. When the number of loads exceeds this value, a load-limit violation occurs and the transaction is denied.	Integer — Permit only this many loads over the lifetime of the card. 0 — Do not permit loads on this card. Not set — There is no limit on the number of loads.
STRLD	prod	Controls whether STAR network loads are allowed.	Y — Allow STAR network loads. Other or not set — Do not allow STAR network loads.
VLD43	prod	Controls whether the Visa OCT load description comes from field DE043 instead of DE104. DE043 contains the merchant location (merchant, city, state, country), whereas DE104 contains transaction-specific data (merchant, fund source). This parameter is valid only when VSALD is set to `Y`. When DE043 is not populated in the authorization request, DE104 is used.	Y — Use DE043 for the load description, if present. Other or not set — Use DE104 for the load description.
VSALD	prod	Controls whether Visa ReadyLink loads and Visa Money transfers are allowed.	A — Both Visa ReadyLink loads and Visa Money transfers are allowed. L — Only Visa ReadyLink loads are allowed. T — Only Visa Money transfers are allowed. Other or not set — Do not allow Visa ReadyLink loads or Visa Money transfers.
WULDD	prod	Controls whether Western Union loads are allowed.	Y — Western Union loads are allowed. Other or not set — Western Union loads are not allowed.


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Mobile wallets

For more information, see Setup for Mobile Wallets.

Parameter	Level	Description	Values
APPAY	prod prog	Required. Controls mobile-wallet provisioning support. When this parameter is set, provisioning requests are approved with response code 00 (green path) only if the following conditions are true: Account is active and contains sufficient funds, AVS check matches ZIP and address, Last 4 digits of phone number match, Is not an instant-issue card, CVV2 is present and matches	Y — Support mobile-wallet provisioning. N — Do not provision to mobile wallets.
CHITR	prod	Controls whether the authorization process will approve an initial tokenization request despite account `fet_id` 65 or 66 (`featureType` 20 or 21) being set. Set this parameter for Digital First products to be provisioned to mobile wallets.	Y — Approve initial tokenization requests even if account features block non-token transactions. Other or not set — Do not approve initial tokenization requests when account features block non-token transactions.
IPCID	prod	Mastercard only. Specifies the product configuration ID to be used for activation code distribution (ACN) methods for mobile wallet authorization. When this parameter is not set, Mastercard mobile wallet transactions are declined with response code `05` (do not honor).	Product configuration ID — Ten-digit product configuration ID. Other or not set — Mastercard mobile-wallet provisioning is not supported.
PPBBI	prod	Visa only. Required. Specifies which encryption key was used to encrypt provisioning data when performing a key exchange with Visa. This parameter should be set only after the key exchange has taken place. Set this parameter on the product that is to be tokenized.	String — Visa encryption key designator Other or not set — Visa card provisioning is not supported.
PPN	prog	Visa only. Contains the number that Visa cardholders can call to perform manual provisioning to a mobile wallet when a failed provisioning attempt is on the yellow path and Galileo is not providing yellow-path customer service.	String — 10- or 11-digit phone number with no delimiters. Not set — The yellow-path call-center number must come from another source.
PPUPC	prod	Tokenize this card. Required for any product with a card that is to be tokenized.	Y — Tokenize the card. Other or not set — Do not tokenize the card.
TALCK	prod	Controls whether to send a tokenization request down the red path when the number of times a token can be deleted and re-provisioned within a given period has been exceeded.	Y — Enable this rule Other or not set — Do not enable this rule
TASRC	prod	Mastercard only. Controls whether to send a tokenization request down the red path when `account_score: 1`.	Y — Enable this rule Other or not set — Do not enable this rule
TASYC	prod	Controls whether to send a tokenization request down the yellow path when `account_score: 2`.	Y — Enable this rule Other or not set — Do not enable this rule
TEMCK	prod	Controls whether to send a tokenization request down the yellow path when the PAN was manually entered or a picture was taken of the card with a camera. (Visa)	Y — Enable this rule Other or not set — Do not enable this rule
TOKCS	prod prog	Specifies the card statuses that permit tokenization. `N` is always permitted and should not be specified.	String — Concatenated card statuses that permit tokenization, in addition to `N`. Not set — Only cards in `status: N` can be tokenized.
TOKUP	prod	Mastercard only. Controls whether Galileo synchronizes tokens with MDES when cards are frozen, unfrozen, reissued, or canceled. This parameter must be enabled to trigger the TKUP event.	Y — Synchronize the tokens. Other or not set — Do not synchronize the tokens.
TRCRC	prod	Controls whether to send a tokenization request down the red path when tokenization_recommendation_reason_code_parsed is one of these values: `10` — Excessive recent tokenizations on device `11` — Excessive non-matching cardholder names on device `12` — Low device score `16` — High-risk digitization attempt	Y — Enable this rule Other or not set — Do not enable this rule
TRCYC	prod	Controls whether to send a tokenization request down the yellow path when: Mastercard `tokenization_recommendation_reason_code_parsed` is: `05` — Suspicious transactions linked to this account. `07` — Device contains suspended tokens `08` — Device recently reported lost `09` — Excessive recent tokenization attempts on device `13` — Low account score `14` — Non-domestic tokenization attempts Visa `tokenization_recommendation_reason_code` is: `03` — Cardholders’ wallet account/card pair is newer than date threshold. `05` — Suspicious transactions linked to this account. `07` — Suspended cards in the secure element. `08` — Device was put in lost mode for longer than the duration threshold within the last 7 days `09` — The number of provisioning attempts on this device in 24 hours exceeds the threshold `0A` — There have been more than the threshold number of provisioning attempts for different cards on this phone in 24 hours. `0G` — Suspected fraud	Y — Enable this rule Other or not set — Do not enable this rule
TTTCK	prod	Visa only. Controls whether to send a tokenization request down the yellow path when `token_type: H`.	Y — Enable this rule Other or not set — Do not enable this rule
TVSCK	prod	Visa only. Controls whether to send a tokenization request down the red path when Visa token score is greater than or equal to `85`.	Y — Enable this rule Other or not set — Do not enable this rule
TWRRC	prod	Controls whether to send a tokenization request down the red path when `tokenization_recommendation` is `0` (decline) for Mastercard or `2` (not approved) for Visa	Y — Enable this rule Other or not set — Do not enable this rule
TWRYC	prod	Controls whether to send a tokenization request down the yellow path when `tokenization_recommendation` is: `0` (decline) — Mastercard `2` (not approved) — Visa	Y — Enable this rule Other or not set — Do not enable this rule


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PINs

For more information, see PIN-Set Procedures.

Parameter	Level	Description	Values
PBACT	prod prog	Specifies which action to take after the maximum number of PIN validation failures is reached.	D — The card is blocked (set to `status: B`). Other or not set — The PIN is locked until the interval in PBTIM has elapsed.
PBLOK	prod prog	Specifies which types of PIN transactions are blocked: all PIN transactions, only ATM transactions, or only point-of-sale transactions.	A — All ATM transactions are blocked. Point-of-sale PIN transactions are permitted. P — All point-of-sale PIN transactions are blocked. ATM transactions are permitted. Y — All PIN-based transactions are blocked. Other or not set — All PIN transactions are permitted.
PBSUC	prod prog	Controls whether to reset the failed-PIN count to zero after a PIN entry is successful.	Y — Set the failed-PIN count to zero after the PIN is successfully entered. Other or not set — Do not set the failed-PIN count to zero after the PIN is successfully entered.
PBTIM	prod prog	Specifies the number of hours after the last failed PIN attempt that the PIN-fail count is reset to zero. For example, if the value of this parameter is `3`, then the PIN-fail counter is reset to zero three hours after the last failed PIN attempt.	Integer — Number of hours after last failed PIN attempt before resetting the count to zero. 0 — Reset the PIN-fail counter immediately. Not set — Do not reset the PIN-fail counter after the PIN-fail count is reached.


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PIN Retrieval Service

For more information, see PIN Retrieval Service.

Parameter	Level	Description	Values
PRSEN	prod prog	Controls whether to enroll the cardholders of the product or program in PRS.	Y — Enroll cardholders in PRS. Other or not set — Do not enroll cardholders in PRS.
TSECV	prog	Specifies the maximum number of seconds that the access token from Get Access Token can be used. Default: 300	Integer — Number of seconds before the access token expiry Other or not set — The value is `300`
TUSEC	prog	Specifies the maximum number of times that the access token from Get Access Token can be used. Default: 3	Integer — Number of times to use the access token. Other or not set — The value is `3`


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PIN-set procedures

Consult the Galileo setup section of the Direct Render PIN-Set Procedure or Galileo setup of the Direct POST PIN-Set Procedure to see the context for each parameter.

Parameter	Level	Description	Values
GGDPA	prov	Direct POST. Controls whether to enable direct POST access.	Y — Enable direct POST access. Other or not set — Do not enable direct POST access
GGEJS	prov	Direct render. Enable all JavaScript. Required if using mobile or iFrame postMessage.	Y — Enable all JavaScript. Other or not set — Do not enable JavaScript
GGHDR	prov	Contains a set of key/value pairs for additional response headers when using no-redirect mode	String — Key/value pairs. Not set — No additional response headers added.
GGIFD	prov	Direct render. Contains domains that are allowed to call the iFrame.	String — Domains that can call the iFrame Other or not set — No domains can call the iFrame
GGIFM	prov	Direct render. Controls whether to enable event trigger on error and success pages.	Y — Enable event trigger Other or not set — Do not enable event trigger.
GGKEH	prov	Specifies the number of times the PIN-set token from Get Card PIN Change Key can be used. Default: 5	Integer — Number of times to use a PIN-set token. Other or not set — The value is `5`
GGKEX	prov	Specifies the number of seconds before the PIN-set token from Get Card PIN Change Key expires. Default: 300	Integer — Number of seconds before token expiry Other or not set — The value is `300`
GGMCB	prov	Direct render. Controls whether to enable native mobile callbacks.	Y — Enable native mobile callbacks. Other or not set — Do not enable mobile callbacks.
GGRBU	prov	Contains the base-redirect URL when using both success and failure redirect pages	String — Base-redirect URL Other or not set — No base-redirect URL exists
GGRDR	prov	Contains the full-redirect URL when using a single results page	String — Full-redirect URL Other or not set — No full-direct URL exists
GGSAS	prov	Direct render. Contains the name of the file or files to use as a stylesheet. filenames.	String — Comma-delimited list of stylesheet file names.


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Offline PIN

For more information, see Offline PIN.

Parameter	Level	Description	Values
EMVOP	prod	Controls whether offline PIN functionality is enabled.	Y — Encode the cardholder PIN in the EMV chip for offline PIN functionality. Other or not set — Do not encode the PIN in the EMV chip.
FTPDY	prod	Specifies the number of days after a PIN change that transactions are authorized for a card with offline PIN functionality. For example, if the value of this parameter is `3`, then for three days after a PIN change, offline transactions can be authorized without PIN validation. When this parameter is not set and the cardholder changes the PIN, offline PIN validation is immediately required, so transactions will be declined until the offline PIN is synchronized with the new PIN.	Integer — Number of days after PIN change until offline transactions are authorized. Not set — Do not authorize offline transactions after PIN change until the cardholder makes an online transaction (which synchronizes the PIN).
FTPAM	prod	Specifies the threshold amount for offline PIN authorization. For example, if the value of this parameter is `25.00`. then after a PIN change, offline transactions for 24.99 or less can be authorized without PIN validation.	Decimal number — Threshold amount for offline PIN authorization. Not set — Do not bypass offline PIN authorization.
KPPIN	prod	Controls whether to keep the same PIN when reissuing a card. When this parameter is not set, the PIN is overwritten with 0000, encrypted.	Y — Do not set a new PIN when reissuing the card; keep the existing PIN. Other or not set — Set the new PIN to `0000`.
OFPBE	prod	Specifies how long to store the changed PIN block for offline PIN programs before deleting.	Integer — Number of days to store PIN block before deleting. Not set — Delete after 7 days.
SRPEL	prod	Controls whether to set a randomly generated PIN when embossing lost, stolen, or reissued cards. This parameter is valid only for Mexican products.	Y — Set a randomly generated PIN for lost, stolen, or reissued cards. Other or not set — Do not set a randomly generated PIN.


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Additional values

These tables contain valid values for parameters in the tables above.

ACSET values

Code	Setup order
`FF` — Funding first	1. Fund account 2. Activation fee 3. CIP 4. Start date set 5. Emboss 6. Activate account
`FV` — Funding first, virtual (non-card) account	1. Fund account 2. Activation fee 3. CIP 4. Start date set 5. Emboss
`TC` — Total ID (CIP) first, credit	1. CIP 2. Emboss 3. Fund account 4. Activation fee 5. Credit limit set 6. Bucket created 7. Activate account 8. Start date set
`TF` — Total ID (CIP) first	1. CIP 2. Emboss 3. Activate account 4. Fund account 5. Activation fee 6. Start date set
`TV` — Total ID first (CIP), virtual (non-card) account	1. CIP 2. Emboss 3. Fund account 4. Activation fee 5. Start date set

Authorization

For more information, see Authorization.

Parameter	Level	Description	Values
AAIGB	prod	Controls whether an authorization can drive an account balance negative. When this parameter is set to `Y`, response codes `00` and `10` are allowed to drive a balance negative. When this parameter is not set, all authorization requests that result in a negative balance are declined.	Y — Allow transactions to drive the balance negative. Other or not set — Decline transactions that would result in a negative balance.
AFTEN	prod prog	Controls whether to allow the AFT limit type to be used.	Y — Transactions are able to use AFT as an auth limit when necessary. Other or not set — Transactions are not able to use AFT auth type for auth limits.
BLKRI	prod prog	Controls whether to block recurring and installment transactions for non-reloadable prepaid Visa products. When this parameter is set to `Y`, recurring and installment transactions are blocked for non-reloadable prepaid Visa products	Y — Block recurring and installment transactions for non-reloadable prepaid Visa products. Other or not set — Allow recurring and installment transactions for non-reloadable prepaid Visa products.
BLKTM	prod prog	Specifies the start and end time to block cash withdrawals in countries with country blocks. When this parameter is not set and a blocked country has a block on cash withdrawals, cash withdrawals are blocked at all times in that country. This parameter does not apply to countries that are listed in NOBLK. This parameter contains a pipe-separated list that specifies the start and end times to block (`BLK`) cash withdrawals in local time. All times use the 24-hour clock in HH:MM:SS format. All times must be within the same day (midnight to midnight). For example, `02:00:00\|08:00`	String — Start and end times to block cash withdrawals Not set — Do not block cash withdrawals at specified times.
CADGR	prod prog	Specifies the number of days until a cash advance begins accruing interest.	Integer — Number of days to wait until a cash advance accrues interest. Other or not set — Interest-charging cash advance immediately begins accruing interest.
CASHB	prod prog	Controls whether a cardholder can request cash back when making a purchase.	Y — Allow cash back. Other or not set — Do not allow cash back.
DOMCC	prod prog	Specifies foreign countries to treat as domestic.	String — Comma-separated list of three-digit country codes. Not set — Do not treat any foreign countries as domestic.
EQOTB	prod prog	Controls whether to only authorize transactions that exactly match the available balance. This parameter is intended to be used on a product that does not apply fees or upcharges to outgoing payments.	Y — Only authorize a transaction when the transaction amount matches the available balance Other or not set — Do not check the transaction amount against the available balance.
NOBLK	prod	Specifies blocked countries where BLKTM does not apply. When a blocked country also has a block on cash withdrawals, and that country code is listed in NOBLK, then cash withdrawals are blocked in that country at all times, rather than during the times specified in BLKTM.	String — Comma-separated list of three-digit country codes that BLKTM does not apply to. Not set — BLKTM applies to all countries that have a block on cash withdrawals.
NOVAC	prod	Controls whether an authorization is allowed on a canceled account.	1 — Allow an authorization on a canceled account. 0 or not set — Do not allow an authorization on a canceled account.
PAPPR	prod	Controls whether the account permits partial approvals for authorization requests when the request amount is larger than the available balance.	Y or not set — Partial approvals are permitted. N — Partial approvals are not permitted. Authorization requests are denied with code `51` (insufficient funds).


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Balance inquiries

For more information, see Balance-inquiry responses in Authorization Controller API.

Parameter	Level	Description	Values
ADDOD	prod prog	Controls whether to subtract the overdraft balance when returning a balance query on a reloadable card account.	Y — Subtract the overdraft account balance from the reloadable card balance. Other or not set — Include the overdraft account balance in the reloadable card balance.
BIMTF	prod	Enables all balance inquiries (including financial) to be classified as `msg_type_flag: B`.	1 — Classifies all balance inquiries as `msg_type_flag: B` Other or not set— Financial balance inquiries are classified as `msg_type_flag: A` or `B`
MCBLC	prod	Mastercard only. Specifies which Canadian MCCs can receive a balance return in the response to an authorization request that originates in Canada. This parameter is not consulted for balance inquiries from ATMs.	String — Comma-separated list of MCCs that are eligible to receive a balance return when the Mastercard transaction originates in Canada. Not set — The list in MCBLS is consulted.
MCBLS	prod	Mastercard only. Specifies which MCCs can receive a balance return in the response to an authorization request. This parameter is not consulted for balance inquiries from ATMs.	String — Comma-separated list of MCCs that are eligible to receive a balance return. Not set — Only the MCCs in MCBLC and MCBLU are eligible for balance return.
MCBLU	prod	Mastercard only. Specifies which United States MCCs can receive a balance return when the transaction originates in the United States. This parameter is not consulted for balance inquiries from ATMs.	String — Comma-separated list of MCCs that are eligible to receive a balance return when the transaction originates in the United States. Not set — The list in MCBLS is consulted.
VSBLA	prod	Visa only. Controls whether cardholder balance can be returned in the response to a balance inquiry.	Y — Return the balance in the response. Other or not set — Do not return the balance in the response.


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Non-card transactions

Parameter	Level	Description	Values
ACTST	prod prog	Specifies which Galileo accounts can access external accounts created by the Create External Account Link endpoint.	account — Only the Galileo account for which the links are created can see and use the external account links. secondary — A Galileo account can see and use external account links of accounts that it has a primary/secondary relationship with. all — All of your accounts can see and use all external account links in the program.
FWIRE	prog	Controls whether Galileo sends and receives Fedwire transactions.	Y — Galileo sends and receives Fedwire transactions to/from partner bank. Other or not set — Galileo does not process Fedwire transactions.
HDRDC	prod	Specifies the number of business days to hold a remote deposit capture (RDC) transaction before making the funds available. When this parameter is not set, the value is `-1`, which means funds from RDCs are available immediately after posting.	Positive integer — Number of days to delay availability of RDC transactions. 0 or not set — RDC transactions are immediately available.


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ACH

For more information, see ACH at Galileo.

Parameter	Level	Description	Values
ACCRD	prod prog	Controls whether to allow incoming ACH credit requests (move funds into the customer account).	N — Do not allow inbound ACH credit requests; decline with ACH return code `R20` (originator not allowed). Other or not set — Allow inbound ACH credit requests.
ACDBT	prod prog	Controls whether to allow incoming ACH debit requests (move funds out of the customer account).	Y — Allow inbound ACH debit requests. Other or not set — Do not allow inbound ACH debit requests; decline with ACH return code `R20` (originator not allowed).
ACHCA	prod prog	Specifies whether an account must be in `status: N` to permit incoming ACH debits (move funds out of the customer account).	Y — Verify that the receiving account is active before posting an inbound ACH debit request. Other or not set — Do not verify that the receiving account is active before posting an inbound ACH debit request.
ACHCB	prod prog	Controls whether to check account balance for insufficient funds before posting an incoming ACH debit request (move funds out of customer account). If both ACHCA and ACHCB are not set, an ACH debit request posted to an inactive account is denied due to insufficient funds when the balance is checked.	N — Do not check the account balance for insufficient funds before posting an inbound ACH debit request. Y — Check the account balance for insufficient funds before posting an inbound ACH debit request.
ACHDL	prod	Controls whether to apply velocity limits (daily, weekly, and monthly) to an incoming ACH debit request (move funds out of the customer account).	Y — Apply velocity limits to incoming ACH debit requests. Other or not set — Do not apply velocity limits to incoming ACH debit requests.
ACHDN	prod	Controls whether an incoming ACH debit request (move funds out of a customer account) is allowed to drive the account balance negative. When this parameter is set to `Y`, MBCHS must also be set to `Y` to bypass the minimum balance check on the customer account. Use ACHOD to control whether an ACH debit can use overdraft.	Y — Allow incoming ACH debit requests to drive the account balance negative. Other or not set — Do not allow incoming ACH debit requests to drive the account balance negative.
ACHOD	prod	Controls whether an incoming ACH debit request (move funds out of the customer account) can draw funds from an overdraft account when there are insufficient funds in the primary account. ACHDN must also be set to Y to allow an incoming ACH debit request to drive the balance negative.	Y — Allow an incoming ACH debit request to use overdraft. Other or not set — Do not allow an incoming ACH debit request to use overdraft.
ACHPT	prod	Specifies the number of hours after midnight Galileo System Time to post outgoing ACH debits (funds moving into the customer account). When this parameter is not set, outgoing ACH debits post at midnight. Hold days go into effect immediately, but when this parameter is set, it requires a refresh overnight. Same Day processing does not apply to incoming ACH credits.	Decimal number — Number of hours after midnight to post outgoing ACH transactions, e.g., 14.5 posts at 2:30 pm. 0.0 or not set — Post outgoing ACH transactions at midnight.
ACHSD	prog	Controls whether outbound Same Day ACH transactions are enabled and processed as Same Day transactions.	Y — Allow outbound Same Day ACH transactions and process them as same-day ACH transactions. N — Allow outbound Same Day ACH transactions but process them as normal ACH transactions.
ACOHD	prod	Specifies whether you can override the default hold days, using an optional parameter called `holdDays` in the Create ACH Transaction endpoint. Sponsor bank approval is required to enable this parameter.	Y — Use the value in `achHoldDays` as the hold-days value. N or not set — Use the default hold days in the product settings.
ACSDH	prod	Specifies the number of hold days for Same Day ACH (banking days or calendar days as dictated by HDACH, and expiry time as dictated by ACHPT).	Integer — Number of days to hold the transaction before processing. 1 — Hold the transaction 1 day before processing. 0 — Process the transaction without waiting extra days
ACSDL	prog	Specifies a threshold below the Nacha limit of $1 million for each Same Day ACH transaction originated by a customer. If this limit is surpassed, the transaction transitions to a standard processing timeframe instead of Same Day, without being rejected. This parameter is valid only if ACHSD is set.	Integer — Maximum amount for a Same Day ACH transaction. Not set — Nacha-specified default value of $1 million per transaction is used.
ACSTS	prog	Contains a list of statuses that are allowed to receive an inbound ACH credit (move funds into the customer account). If the account status for a customer account is not on this list, an ACH transaction returns `R02` (account not active) or, for account statuses `C`, `R`, or `Z`, returns `R23` (credit entry refused by receiver).	String — Concatenated list of account status codes, for example, `NYX`. Not set — Allow inbound ACH credit requests regardless of receiving-account status.
BALMC	prog	Controls whether Galileo checks the balance when making money-movement decisions. Currently used in outgoing ACH credit (moving funds out of the customer account). Clients that maintain their own ledger should set this parameter so that Galileo skips the balance check before creating an outgoing ACH credit transaction with the Create ACH Transaction endpoint. Galileo will also not assess fees for ACH transactions when this parameter is set. When this parameter is not set, Galileo checks the balance, and when there is insufficient balance, the transaction fails.	N or not set — Galileo checks the balance before making money-movement decisions. Y — Galileo does not check the balance before making money-movement decisions.
BTBEI	prog	Controls whether the account holder’s name and business ID are excluded from the Nacha file for business-to-business ACH transactions. This parameter is valid only when BTBPG is set to `Y`. When this parameter is not set, the Nacha file is populated with the account holder’s first and last name, or if BTBPI is set to `Y`, the Nacha file is populated with the business ID.	Y — Exclude the account holder’s name and business ID from the Nacha file. Other or not set — Include the account holder’s name in the Nacha file, or if BTBPI is set, include the business ID in the Nacha file.
BTBPG	prog	Specifies that a program is a business-to-business program. When this parameter is set to Y, the program is a business-to-business program and ACH transactions that use the Create ACH Transaction endpoint are made via CCD.	Y — This is a business-to-business program. Other or not set — This is not a business-to-business program.
BTBPI	prog	Controls whether to populate the Nacha file with a business ID for a business-to-business ACH transaction. When this parameter is not set, the Nacha file is populated with the account holder’s first and last name. If BTBEI is set to `Y,` the Nacha file is not populated with either the business ID or account holder name. This parameter is only valid when BTBPG is set to `Y`.	Y — Insert the provided business ID in the Nacha file. Other or not set — Do not insert the business ID in the Nacha file.
CKTID	prog	Send incoming ACH transactions for manual review if Galileo's integrated ID verification failed.	'N — Do not check ID verification Y — Check that both ID verification failed and the override was specified
EAETP	prod	Specifies transaction trace prefixes to exclude from ACH early access. When this parameter is set, the system checks the first digits of the source ID for an incoming ACH transaction. If the source ID matches a prefix on this list, the transaction is not eligible for ACH early access.	String — Comma-separated list of trace prefixes to exclude from ACH early access. Not set — Allow ACH early access for all trace prefixes.
EAIAA	prod	Controls whether all accounts have early access to ACH deposits or only accounts with `featureType: 7` set to `Y` have early access. FBEEA must be set to enable early access.	Y — All accounts have early access to ACH deposits if FBEEA is set. Other or not set — Only accounts with feature type `7` set to `Y` have early access to ACH deposits.
FBEEA	prod	Controls whether the account has early access to ACH deposits and specifies the number of days before the effective deposit date for early access.	Integer — Number of days before the effective deposit date for early ACH deposits. 0 or not set — Do not enable early access to ACH deposits.
HDACH	prod	Controls whether to calculate new hold days for outgoing ACH debit transactions (funds moving into the customer account) in terms of business days rather than calendar days.	Y — Calculate ACH hold days in terms of business days. Other or not set — Calculate ACH hold days in terms of calendar days.
MBCHS	prod	Controls the minimum amount that must remain in the customer account after an outbound ACH credit moves funds out of the customer account. An outbound ACH credit request that would drive the customer account balance below the minimum set by this parameter is denied. When this parameter is not set, the minimum account balance is -7.00 and an outbound ACH credit request that would drive the account balance below -7.00 is denied.	Y — Do not enforce a minimum account balance after an outbound ACH credit. Decimal number — Minimum amount that must remain in the customer account after an inbound ACH credit. Other or not set — Cancel an inbound ACH credit request that would drive the account balance below -7.00.
MRKGV	prog	Controls whether to mark incoming ACH transactions as originating from a U.S. governmental entity or from a non-governmental entity.	Y — Mark incoming ACH transactions as governmental or non-governmental. Other or not set — Do not mark incoming ACH transactions according to their origin.
RNMCK	prog	Controls when to perform name matching for incoming ACH credit transactions. A name mismatch queues up the transaction for manual review.	Y — If the source matches the list of configured U.S. tax agencies, then perform name matching to determine if the incoming ACH transaction should go for manual review. A — Perform name matching on all incoming ACH credit transactions, regardless of the source. Other or not set — Do not perform source matching or name matching on incoming ACH transactions
RPVIR	prov	Controls whether to return the `plaid_identity_values` object in the Add ACH Account and Add ACH Account Corporate responses. The object contains names, emails, phones, and zip codes.	1 — Return the `plaid_identity_values` object. 0 — Do not return the `plaid_identity_values` object.


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Fees

For more information, see About Fees.

Parameter	Level	Description	Values
ACFS	prod	Controls whether to assess an initial setup fee for each card upon account creation. For example, the value AC1\|1 results in a fee for the primary account and first card. The value AC2\|2 results in a fee for the secondary account and second card. When this parameter is not set, a setup fee is always assessed.	String — Comma-separated list of the accounts and cards that have an initial setup fee Other or not set — Always assess a setup fee.
ASFDS	prod	Controls whether to assess account-setup fees for a secondary account to the primary account or to the secondary account. When this parameter is set, account setup fees and the Express Mail fee for card shipment are assessed to the primary account. When this parameter is set, PRIOR must also be set.	P — When creating a secondary account, assess account setup fees on the primary account. Other or not set — When creating a secondary account, assess account setup fees on the account being created.
ASFEE	prod	Specifies account setup fees to assess during account creation. When this parameter is set, account setup can be completed only when the balance covers the fees. Fees in this parameter must be configured at product setup. When this parameter is not set, only ACT (activation fee) is assessed during account creation, provided that ACT is configured.	String — Comma-separated list of fees to assess during account creation. Not set — Assess ACT during account creation.
AUDLS	prod	Specifies fees for declined transactions that should not be assessed when the card status is `L` (lost) or `S` (stolen). Fees listed in this parameter are not assessed when the card is lost or stolen. However, a fee is always assessed on a transaction that is declined due to insufficient funds. When this parameter is set, AUNSF must contain the fees that are in this parameter. When this parameter is not set, all fees for declined transactions are assessed regardless of whether the card is lost or stolen.	String — Comma-separated list of fees for declined transactions to bypass when the card is lost or stolen. Not set — Assess all fees for declined transactions regardless of whether card is lost or stolen.
AUNSF	prod	Specifies fees that are not assessed when a transaction is declined. Fees listed in this parameter are not assessed for a declined transaction, however, a fee is always assessed on a transaction that is declined due to insufficient funds. Use AUDLS to bypass lost/stolen fees. When this parameter is not set, all applicable fees are assessed if a transaction is declined for reasons other than insufficient funds.	String — Comma-separated list of fees that are not assessed when a transaction is declined. Not set — Assess all applicable fees when a transaction is declined.
CFWLA	prod	Specifies the minimum amount that must be deposited into the account to waive the monthly account fee. When this parameter is not set the fee is not waived. When MMFLT is set, a deposit must match a payment type in MMFLT to be included in the sum of deposits. When MMFLT is not set, all deposits are included in the sum.	Integer — The minimum amount that must be deposited into the account to waive the monthly fee. 0 or not set — Do not waive the monthly fee.
CHATN	prod prog	Controls whether to suppress ATM fees for balance inquiry and withdrawals according to a client-supplied list of terminal IDs.	Y — Use the fee-suppression logic. Other or not set — ATM fees are not suppressed per terminal ID.
CHKTN	prod	Controls whether to determine fee action according to the terminal network where the ATM transaction comes from. Supported by the Visa PLUS network.	N — Do not check for terminal networks. Y — Check for terminal networks in order to know which network to use when determining the fee action.
CPFEE	prod	Specifies the number of days after card activation to assess the activation fee. When this parameter is not set, the activation fee is assessed 15 days after activation.	Integer — Number of days to wait before assessing the card activation fee. Not set — Assess the card-activation fee 15 days after activation.
CYMET	prod	Controls whether to assess a fee per account (PRN) or per balance ID. This parameter also controls what happens if the balance is less than the fee amount. The value in this parameter is a code with three possible characters, though some products use only the second character. When a new product is created, this parameter is set to `HBP` by default. Character 1 H — Hybrid plan. If the account balance is insufficient, either defer the fee until the balance is sufficient or assess a partial amount. Not set — Non-hybrid plan. Always assess the entire fee even if the account is driven negative. Character 2 A — Assess fees per account. B — Assess fees per balance. Character 3 — Valid only if character 1 is `H`. D — Deferred fee. If the balance is lower than the fee amount, wait until the balance is high enough to assess the entire fee. P — Partial fee. If the balance is lower than the fee amount, assess the available amount and wait until the balance increases to assess the remainder. N — Check for negative balance. If the account balance is non-negative, assess the entire fee. If the account balance is negative, do not assess the fee and do not charge a delinquent fee.	String — 1- or 3-character code to specify how to assess fees. Other or not set — Bill cycle fails and onboarding cannot be completed.
DMFPA	prod	Controls whether to assess a partial delinquent fee each month if the entire delinquent fee would drive the balance negative. When this parameter is set to `Y`, and the account balance does not cover the amount for the entire fee, a partial fee is assessed monthly. When this parameter is not set, delinquent fees are not assessed.	Y — Assess a partial delinquent fee each month if the entire fee would drive the account balance negative. N — Do not assess delinquent fees. Other or not set — Do not assess delinquent fees.
DYNOA	prod	Specifies the number of days an account must be dormant before a dormancy fee is assessed. When this parameter is set, the dormancy fee (DOR) is assessed if the account is dormant for the number of days in this parameter. When this parameter is not set, a dormancy fee is not assessed, even if DOR is set and active. If FEACT is set to `Y,` assessed fees are considered account activity when determining dormancy.	Integer — Number of days an account must be dormant before a dormancy fee is assessed. Not set — Do not assess a dormancy fee.
EMBFE	prod	Controls whether to send a card to emboss if the account has insufficient funds for the express-mail fee.	E — Send to emboss when the express-mail fee is pending. Other or not set — Do not send to emboss when there are insufficient funds for the fee
FEACT	prod	Controls whether fees are considered to be account activity when determining whether to assess a dormancy fee. When this parameter is set to `Y`, assessed fees are considered to be account activity. When this parameter is not set, assessed fees are not considered to be account activity. DYNOA must be set to assess dormancy fees.	Y — Fees are considered to be account activity when determining whether to assess a dormancy fee. Other or not set — Fees are not considered to be account activity
FFREP	prod	Controls whether to offer a first free card replacement in a calendar year even though the account balance is negative.	Y — Offers one free replacement in a calendar year even with a negative balance. N — The account balance has to be positive if the replacement has a fee
MMFLT	prod	Specifies which payment types to include in the total specified by CFWLA, which determines whether to waive a fee when there are sufficient deposits by the cardholder. When this parameter is not set, all payment types are included in the total specified by CFWLA.	String — Comma-separated list of payment types to include in the CFWLA total. Not set — Include all payment types in the total.
RINFP	prod	Controls whether to replace a lost or stolen card even when there are insufficient funds in the account to cover the lost/stolen replacement fee.	1 — Replace the card even when the available balance is less than the lost/stolen replacement fee. Other or not set — Replace the card only when there are sufficient funds.
RIXBL	prod	Controls whether an expiring card is reissued when the available balance does not contain sufficient funds for the card fee.	Y — Reissue the expiring card even if the available balance is less than the card-fee amount. Other or not set — Do not reissue the expiring card unless the account has sufficient funds for the card fee.


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Holds

Parameter	Level	Description	Values
PRVNB	prod	Controls whether a hold can drive an account negative. This parameter affects holds that are placed by the Create Hold and Create Payment endpoints. When this parameter is set to `1` and the hold amount is more than the available balance, the endpoint returns an error: `539-08` for Create Hold or `408-10` for Create Payment.	0 or not set — The hold amount can be greater than the available balance. 1 — The hold amount cannot be greater than the available balance.
THOLD	prog	Specifies which hold types can be applied to an account as a whole, as opposed to per-transaction holds. This parameter is required to use the Create Hold endpoint.	String — Comma-separated hold types that can be applied to the account as a whole. Not set — No hold types can be applied to the account as a whole.


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Bill pay

For more information, see About Bill Pay.

Parameter	Level	Description	Values
BPBCK	prod	Controls whether to perform a balance check before proceeding with the bill payment when not using the External Trans API, regardless of whether AAIGB and BPPPF are set.	Y — Do a balance check to ensure enough funds are available before proceeding with the bill pay Other or not set — The balance check is dependent on AAIGB and BPPPF parameters
BPLBL	prod	Contains a string to add to the adjustment description as a prefix for the biller name.	String — Text to prepend bill pay descriptions. Hyphen (`-`) — Do not prepend anything to bill pay descriptions. Not set — Prepend bill pay descriptions with the default text: `Billpay`.
BPPPF	prod	Controls whether a billpay transaction fails if the available balance is insufficient to cover fees. When this parameter is set, the fee is deferred until later when the current balance is sufficient for the billpay transaction but not the fee.	Y — Allow bill pay to proceed when there are sufficient funds to cover only the payment. Other or not set — Allow bill pay to proceed only when there are sufficient funds for both the payment and the processing fee.
LIMBP	prod	Specifies the maximum amount of an individual billpay transaction. When this parameter is not set, the maximum is $25,000.	Decimal number — Maximum amount for a bill pay transaction Not set — Bill pay transactions have a $25,000 limit
RPPSC	prod	Contains the RPPS payment ID and check digit.	9-digit number


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Disputes

For more information, see Disputes at Galileo.

Parameter	Level	Description	Values
CBHLD	prod	Specifies the number of days after a chargeback is initialized to settle a Mastercard dispute. When this parameter is set, the chargeback hold is released after the number of days in this parameter unless a second dispute is raised during that time.	Integer — Number of days to settle a Mastercard chargeback. Not set — Settle Mastercard chargebacks in 45 days.
CBIGN	prod	Specifies the de minimis for disputes. The system ignores disputes below the amount in this parameter, but the ignored disputes are still visible in Galileo Analytics.	Integer — Minimum amount for chargeback disputes. Not set — Allow all disputes.
CBTHH	prod	Specifies the maximum amount to automatically dispute a force-posted transaction that drives the account balance negative. When this parameter is set, CBTHL must also be set to specify the minimum amount.	Decimal number — Maximum amount to automatically dispute a force-posted transaction. Not set — Force-posted transactions do not result in automatic disputes.
CBTHL	prod	Specifies the minimum amount to automatically dispute a force-posted transaction that drives the account balance negative. When this parameter is set, CBTHH must also be set to specify the maximum amount.	Decimal number — Minimum amount to dispute a force-posted transaction. Not set — A force-posted transaction will not result in an automatic dispute.
DLST	prog	Controls whether dispute letters are sent to the name and address of the primary account or the account associated with the dispute.	1 — Send dispute letters to the name and address for the primary account. Other or not set — Send dispute letters to the name and address of the account associated with the disputed transaction.
FAWHD	prod	Specifies the number of days to wait before processing a dispute against a foreign ATM withdrawals. When this parameter is not set, a dispute has 90 days to resolve before it is processed.	Integer — Number of days to wait before processing a foreign ATM withdrawal dispute. Not set — Wait 90 days before processing a foreign ATM withdrawal dispute.
PCDAY	prod prog	Specifies the number of days after the creation of a dispute to award provisional credit. For example, if a dispute is created on the 10th of the month and the value of this parameter is 3, then provisional credit is awarded on the 13th.	Integer — Number of days after dispute creation to award provisional credit. Not set — Provisional credit is awarded on the same day the dispute is created.
VCRHD	prod	Specifies the number of days after a chargeback to automatically release the hold and finalize the dispute for Visa Claims Resolution allocations. If after this number of days a second presentment has not been received, the dispute is finalized.	Integer — The number of days after a chargeback to release the hold and finalize the dispute. 0 — Release the hold on the same day as the chargeback and finalize the dispute. Not set — The number of days to release a hold and finalize a dispute is 35 days.


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Risk

For more information, see About Payment Risk Platform.

Parameter	Level	Description	Values
BRSGE	prod prog	Contains a risk score (Field 62.21) for Visa products, indicating tolerance for potential fraud.	0 — Deny all authorizations. 1–99 — Block an authorization if the Visa risk score is greater than or equal to this value. 100 or not set — Do not check the Visa risk score.
BRSMC	prod prog	Contains a risk score for Mastercard products (DE048SE75), indicating tolerance for potential fraud.	0 — Deny all authorization. 1–999 — Block authorization if the Mastercard risk score is greater than or equal to this value. 1000 or not set — Do not check the Mastercard risk score.
BRSPU	prod prog	Contains a risk score for Pulse authorization, indicating tolerance for potential fraud.	0 — Deny all authorizations. 1–999 — Block authorization if the Pulse risk score is greater than or equal to this value. 1000 or not set — Do not check the Pulse risk score.
DCPRP	prog	Controls whether the authorization process calls the PRP.	Y — The auth process does not call PRP Other or not set — The auth process is allowed to call PRP


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Credit

For more information, see About Galileo Secured Credit.

Parameter	Level	Description	Values
BCDAY	prod	Controls the length of time to wait after the bill cycle start date before setting the bill cycle for assessing fees. This parameter is required for products with bill cycle setup (cycle fee) at account creation. BCDAT is required to set the start date. If BCDAT is set to `CARD`, you can set this parameter to `MONTH` to wait a calendar month before setting the bill cycle. When this parameter is not set, the bill cycle fails.	Integer — Number of days to wait before setting the bill cycle. MONTH — If BCDAT is set to `CARD`, wait a calendar month before setting the bill cycle Not set — Bill cycle process fails.
BRCDT	prod prog	Specifies the customer billing-cycle date.	Integer — Number between 1 and 28 for all accounts. ACCOUNT_DATE — Set the billing cycle date to the day that the account is created. If an account is created on day 29, 30, or 31, then the billing cycle date is 28. Yields 28 possible billing cycle dates. CYCLE_INTERVALS — Create default buckets of billing/reporting cycles (1, 8, 16, 24). Sets to the previous integer in the list prior to the account's start date. List of Integers — A comma-separated list of integers, representing buckets of billing/reporting cycles. The account’s reporting cycle will be set to the previous integer in the list prior to the account’s start date.
CYCLE	prod	Controls whether to assess maintenance fees monthly (`MON`) or yearly (`YER`). Weekly assessment is not available for secured credit products. Works in conjunction with CYMET.	MON — Assess the maintenance fee monthly. WEK — Assess the maintenance fee weekly. Set CYDAY to the day of the week. YER — Assess the maintenance fee yearly. Other or not set — Do not assess scheduled maintenance fees.
CYDAY	prod	Specifies the day of the month to assess fees when CYCLE is set to `MON`. Valid values are `1–28`. Weekly assessment is not available for secured credit products.	Day of week — Three-letter code for the day of the week to assess monthly fees when CYCLE is set to `WEK`. Codes are `SUN`, `MON`, `TUE`, `WED`, `THU`, `FRI`, `SAT`. Not set — Do not assess maintenance fees.
M2CSD	prod	Controls whether the Metro 2 credit report process checks for information in account features 23 (first delinquent date) and 24 (delinquent amount).	Y — Include the information in account features 23 and 24 when generating the Metro 2 report. Other or not set — Do not include the information in account features 23 and 24.
M2REP	prod	Controls whether to generate Metro 2 reports for accounts in this program. When this parameter is set to `Y`, Galileo generates monthly reports for accounts and sends them to you for approval.	Y — Generate Metro 2 reports for accounts. Other or not set — Do not generate Metro 2 reports.


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Single-use virtual card

For more information, see Setup for Single-Use Virtual Card.

Parameter	Level	Description	Values
SUMTA	prod	Specifies the threshold below which a transaction is declined. Default: 50.00.	Integer or float — The minimum dollar amount for a single-use virtual card. Not set — There is no minimum.
SUVC	prod	Controls whether the product is a single-use virtual card for BNPL.	Y — Product is a BNPL product with single-use virtual card accounts. N — Product is not a BNPL product with single-use virtual card accounts.
SUVCM	prod	Specifies the transaction-matching method based on value.	TERMINAL — Require that the terminal ID of any subsequent transaction match the terminal ID (DE041) of the first transaction on file, or the subsequent transaction will be declined. MERCHANT — Require that the merchant ID of any subsequent transaction match the merchant ID (DE042) of the first transaction on file, or the subsequent transaction will be declined. TERMINAL, MERCHANT — Require both the terminal ID and merchant ID of any subsequent transaction to match the ones stored on file. or the subsequent transaction will be declined. NONE or not set — No merchant data is checked on subsequent transactions. Subsequent transactions can be approved with sufficient funds.
SUVCT	prod	Specifies the threshold above which the transaction will be considered a consumer-initiated transaction on a single-use virtual card. Consumer-initiated transactions below this threshold will be considered preauthorization holds that will be followed by a second, larger transaction.	Integer or float — The minimum dollar amount that meets the single-use limit for a single-use virtual card. Not set — There is no minimum.


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Program API

Parameter	Level	Description	Values
ALWNB	prod prov	Controls whether a call to the Create Adjustment or Create Account Transfer endpoint can drive an account balance negative. Set this parameter at the provider level to permit Create Adjustment to drive a balance negative. Set this parameter at the product level of the sending account to permit Create Account Transfer to drive the sending account balance negative.	1 — Allow a call to the endpoint to drive the account balance negative. Other or not set — Do not allow a call to the endpoint to drive the account balance negative.
BWOOA	prov	Controls whether the `balance_without_auths` field is returned in Get Balance responses.	Y — Return `balance_without_auths` in Get Balance responses Other or not set — Do not return `balance_without_auths`
CINFD	prov	Controls whether to show the card expiry date in endpoint responses.	1 — Show the card expiry in endpoint responses Other or not set — Do not show the card expiry
CINFI	prov	Controls whether to show the full PAN in endpoint responses. You must be PCI compliant to enable this parameter	1 — Show the full PAN in endpoint responses Other or not set — Do not show the full PAN
CINFN	prov	Controls whether to show the full SSN in the response to these endpoints: Get Card Switch Product Reissue Card Verify Enrollment Get Enrollment Info	0 or not set — Don't show SSN 1 — Show full decrypted SSN
CINFS	prov	Controls whether to show the CVV in endpoint responses. You must be PCI compliant to enable this parameter	1 — Show the CVV in endpoint responses Other or not set — Do not show the CVV
CNSCR	prov	Controls whether to use the extended character set for first, middle, and last name input parameters.	1 — Allow the extended character set. Other or not set — Do not allow the extended character set.
CXPTM	prod prog	Controls whether the time is returned in the `expiry_date` in Program API responses.	1 — Include time as part of `expiry_date`: YYYY-MM-DD HH:MM:SS. Other or not set — The `expiry_date` field contains only the date: YYYY-MM-DD
NATHR	prov	Controls whether to exclude authorization reversals in the Get Authorization History endpoint.	1 — Exclude auth reversals in the Get Authorization History response. Other or not set — Include auth reversals in the response.
NVACT	prod	Controls whether to verify account status when the Get Balance endpoint is called. When this parameter is set to `1`, the endpoint returns a balance regardless of status. When this parameter is not set, the Get Balance endpoint does not return a balance if the account status is `C` (canceled) or `Z` (canceled without refund).	1 — The Get Balance endpoint returns a balance regardless of account status. Other or not set — The Get Balance endpoint does not return a balance if the account status is `C` or `Z`.
SOATS	prov	Controls whether the original authorization timestamp is returned by the Get Authorization History endpoint.	1 — Return the original authorization timestamp in Get Authorization History responses. Other or not set — Do not return the original authorization timestamp.
STPLD	prod	Contains a list of statuses that do not permit transactions originated by Create Account Transfer (sending account only), Create Payment, Create Adjustment, and Create ACH Transaction. This parameter does not affect transfers performed on the Galileo-hosted cardholder website or in the CST.	String — Comma-separated statuses on the sending account that block fund movement. Not set — No account statuses block fund movement.
UASSN	prov	Controls whether the SSN can be changed by Program API endpoints. Bank approval is required to enable this parameter.	1 — Allow the SSN to be updated by the Program API Other or not set — Do not allow the SSN to be updated.
UPDCZ	prov	Controls whether to allow Update Account to modify accounts in `status: C` (canceled) or `status: Z` (canceled without refund	1 — Allow Update Account to modify accounts in status `C` or `Z`. Other or not set — Do not allow Update Account to modify canceled accounts.


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Events API

For more information, see About Events API and Event Setup and Configuration.

Parameter	Level	Description	Values
ACMSG	prod	Specifies account status changes that trigger the `ACST: account_status_change` event message.	String — Concatenated list of account status changes that trigger `ACST`. Not set — Account status changes do not trigger `ACST`.
AUTMD	prod	Controls whether to send the `AUMD: auth_metadata` event message. Valid only when using the Auth API.	Y or y — Send AUMD Other or not set — Do not send AUMD.
BBDOW	prod	Specifies days of the week that daily balance messages should not be sent. Each day of the week has a numerical value in this parameter: `0` — Sunday `1` — Monday `2` — Tuesday `3` — Wednesday `4` — Thursday `5` — Friday `6` — Saturday	String — Comma-separated list of numeric values indicating days of the week that daily balance messages should not be sent. Not set — Send daily balance messages every day.
CDMSG	prod	Specifies which card status updates will trigger the `CSNT: card_status_change` event. For valid values see the Card Statuses enumeration.	String — Concatenated list of card status changes that trigger `CSNT`. Not set — Card status changes do not trigger `CSNT`.
CFRMT	prod	Specifies how currency is formatted in Event API messages. The first character is the thousands separator and the second character is the decimal. For example, a period and comma (`.,`) results in the format `1.000,00`. When this parameter is not set, a comma is the thousands separator and a period is the decimal, which results in the format `1,000.00`.	String — Two characters indicating the thousands separator and the decimal. Not set — Format currency with a comma as the thousands separator and a period as the decimal.
FACHA	prod	Controls whether inbound ACH transactions trigger the `ACHR: ach_debit_fail` or `ACHC: ach_credit_fail` event alert when the transaction returns the status `E` (error) or `R` (bad routing number).	Y — Trigger `ACHR` or `ACHC` when an inbound ACH transaction fails. Other or not set — Do not trigger `ACHR` or `ACHC` when an inbound ACH transaction fails.
LOBTH	prod	Specifies the maximum amount for the available balance after which an `LBLC: low_balance` event message is sent. Every day that the available balance is less than the value in this parameter, `LBLC` is sent. When this parameter is not set for a product that is configured to receive `LBLC`, an error is returned.	Decimal number — Amount below which `LBLC` is sent. 0 — Do not send `LBLC`. Not set — Error message if the product is configured to receive `LBLC`.
MPNEG	prod	Controls whether a negative account balance triggers the `BNEG: neg_bal` event message in addition to `BBAL`. This parameter does not apply to credit products, where a balance less than zero is expected.	Y — Trigger `BNEG` for a negative account balance. Other or not set — Do not trigger `BNEG` for a negative account balance.
MSGDA	prod	Specifies which events are triggered regardless of account status. Default: `BACT: card_activated` `BFID: failed_id` `CAPP: app_completed` `NACT: denied_auth_inactive_card` `PSUC: card_returned`	String — Comma-separated list of `msg_id`s that do not require an account to be in active status before they can be triggered. Not set — Only the default messages are triggered when an account is not in active status.
NTSAA	prod	Controls whether to send the `ACRT: ach_return` event message when an originated ACH transfer is returned.	Y — Send the `ACRT` for this product or program. Other or not set — Do not send `ACRT`
PDBAL	prod	Controls whether account holders must deposit funds into their accounts at least once before receiving the first daily `BBAL: bal` event. To also receive the negative-balance events `BNEG: neg_bal` set MPNEG.	Y — The account holder must deposit funds into the account before the first balance event message is sent. Other or not set — The first balance event message is sent without funds being deposited.
RETRY	prod	Specifies the number of times to retry sending a message before putting the message into error status. Use RTRDL to control the retry delay. This parameter affects most message types such as email, SMS, Events API webhook, internal alerts, and push notifications.	Integer — Number of times to retry sending a message. 0 — Do not retry sending messages. Not set — The number of retries is 0.
RTRDL	prod	Delay in seconds before resending a message. The delay increases exponentially for each retry by multiplying the square of the retry count by RTRDL.	Integer — Number of seconds for the retry delay. 0 — There is no retry delay. Not set — The retry delay is 60 seconds.
STIPA	prod	Controls whether to send the `STPA: auth_stip_advice` event message.	Y or y — Send STPA Other or not set — Do not send STPA
STIPD	prod	Controls whether to send denied STIP transactions via the Auth API and send the `STPD: auth_stip_info` event message.	Y or y — Send denied STIP transactions in the Auth API and send STPD. Other or not set — Do not send denied STIP transactions via Auth API nor send STPD.


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Auth API

For more information, see Authorization Controller API.

Parameter	Level	Description	Values
AAFAL	prod	Specifies the card networks for which `advanced_auth_api_fields` is sent in the Auth API payload. This parameter is valid only when ADVAF is set.	Other or not set — Enable all networks Visa — Enable advanced API fields for Visa Mastercard — Enable advanced API fields for Mastercard
ADVAF	prod	Controls whether to include the `advanced_auth_api_field` in the Auth API payload. Use AAFAL to specify which networks.	Y — Include `advanced_auth_api_fields` 'Other or not set — Do not include `advanced_auth_api_fields`
APIFB	prod prog	Controls whether to perform fallback processing when your response to the webhook message times out. When this parameter is `N` or not set, Galileo returns response code `05` (do not honor) for all fallback transactions. When this parameter is Y, Galileo returns the response code that it has calculated.	Y — Use Galileo's response code for fallback transactions. N — Deny transaction when the Auth API webhook times out."
AUAPR	prod prog	Controls whether Galileo waits for your response to an advice before processing a transaction. When set to `Y` or not set, Galileo waits for your response for all Auth API webhook messages. When set to `N`, Galileo doesn't wait for your response for advice authorizations. (For all other authorizations, Galileo still waits for your response.)	Y — Wait for a response to an advice before processing the transaction. N — Do not wait for a response to an advice before processing the transaction.
MACO	prod	Controls whether to allow overrides of the merchant advice code.	Y — Override enabled Other or not set — Override not enabled
RULAP	prod	Controls whether to send a comma-separated list of rule names that caused a DENY or WARN for an authorization in the Auth API request payload. The DENY rules are in the `rules_denied` field and the WARN rules are in the `rules_warned` field. Valid only when using a Galileo fraud-detection process.	Y — Send a list of rule names that caused the DENY or WARN in the Auth API request payload. Other or not set — Do not send a list of rule names.
STIPR	prod	Controls whether to enable next-generation STIP reporting.	Y — Enable next-generation STIP reporting. N — Do not enable next-generation STIP reporting.


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External Trans API

For more information, see About External Transactions API.

Parameter	Level	Description	Values
AAIGB	prod prog	Controls whether to allow a billpay transaction to drive the account negative when using the External Trans API.	Y — Allow transactions to drive the balance negative. N — Decline transactions that would drive the balance negative.
ACDBX	prod prog	Controls whether you participate in approval of inbound ACH debit requests (move funds out of the customer account) with the External Trans API webhook. You can choose to approve or deny all inbound ACH debit requests, only approve or deny inbound ACH debit requests on insufficient funds, or bypass control.	Y — You approve or deny all inbound ACH debit requests. A — You approve or deny inbound ACH debit requests only when there are insufficient funds. Other or not set — Inbound ACH debit requests bypass the External Trans API webhook.
ACHQ1	prod prog	Controls whether you participate in the approval of ACH returns caused by hard load-limit limitations. When this parameter is set to `Y`, all ACH returns except R01 and R03 are set to status: `i` (pending approval).	Y — You participate in the approval of ACH returns caused by hard load-limit limitations. Other or not set — You do not participate in the approval of ACH returns.
ACHRQ	prod prog	Controls whether you participate in the approval of ACH returns. When this parameter is set to `Y`, all ACH returns except R01 and R03 are set to status: `i` (pending approval).	Y — You participate in the approval of ACH returns. Other or not set — You do not participate in the approval of ACH returns.
BPOTB	prov	Controls whether to check the maximum limit and balance before creating a billpay transaction. Set this parameter only if you maintain the ledger for your accounts instead of Galileo and you are using the External Trans API.	1 — Do not check the balance. Other or not set — Check the balance.
GDBMA	prod	Controls whether an incoming ACH debit request (move funds out of the customer account) is sent to you for approval when the system fails to reach you. For example, this may occur when the system meets the maximum number of attempts to post the request or if there is a processing error.	Y — When an incoming ACH debit request fails because you cannot be reached, change the transaction to status: `V` and send it to you for approval. Other or not set — When an incoming ACH debit request fails because you cannot be reached, decline the transaction.


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ATCDF examples

The tolerance in the ATCDF parameter is ± the ATC value counted by the contactless chip. When this parameter is not set, the default tolerance is ±10. If this parameter is set to ±(10^ / 2), the tolerance will allow the entire range of counts for that length. These tables show example results for two- and three-digit ATC tolerances:

Two-digit ATC tolerance examples

Galileo’s Count	ATC	Tolerance (± ATCDF)	Result
10	5	10	Approved
3	98	10	Approved
33	45	10	Declined
10	90	50 (covers all 2-digit ATCs)	Approved

Three-digit ATC tolerance examples

Galileo’s Count	ATC	Tolerance (± ATCDF)	Result
378	500	200	Approved
512	600	50	Declined
25	997	50	Approved
300	800	500 (covers all 3-digit ATCs)	Approved

EMBFL values

Text in single quotes is interpreted as a literal string and added to the emboss file as plain text. Do not add commas inside static data.

Value	Description
`EEXTID`	Add an encrypted external ID to the emboss file (for example, you could use this to add a spouse’s SSN).
`HOMEPHONE`	Add the encrypted cardholder home phone number to the emboss file.
`FIRSTLOAD`	Add the initial deposit amount to the emboss file.
`CARDIMAGE`	Use account feature ID `16` (card image) to add card art instead of dynamic card art (`GID2`).
`CCPRD`	Specify the product ID for the card in the emboss file.
`VERIFYID`	Generate a 12-digit code based on the CAD and add it to the emboss file. This is a checksum for data integrity.
`GID2`	Enable `idType2: 14` for dynamic card art mapping and add card art IDs in `id2` to the emboss file.
`COUNTRYCODE`	Add the country code for the cardholder’s country of residence to the emboss file.
`SHIP_STATE`	Add the state in short form for the cardholder’s state of residence to the emboss file (right justified, space padded, 3 chars).
`ADDRESS3`	Add address line 3 for the cardholder’s addresses of residence to the emboss file (left justified, space padded, 30 chars).
`ADDRESS4`	Add address line 4 for the cardholder’s addresses of residence to the emboss file (left justified, space padded, 30 chars).
`ADDRESS5`	Add address line 5 for the cardholder’s addresses of residence to the emboss file (left justified, space padded, 30 chars).
`CARDHOLDERNAME`	Add the cardholder name with special characters, legacy cardHolderName(F12) is cleaned from special characters (left justified, space padded, 28 chars).
`OTB`	Add the account balance to the emboss file.
`CAD`	Add nine digits of the CAD to the emboss file.
`EEXT_CAD`	Add the decrypted external CAD to the emboss file.
`EMAIL`	Add the decrypted cardholder email address to the emboss file.
`PINBLOCK`	Add the decrypted PIN block to the emboss file. EMVOP must be set to generate the PIN block.

ZREVW values

These are the default thresholds for manual review of merchant credits when ZREVW is not set.

Network	Default Amount/Behavior
Allpoint	No manual reviews
Pulse	No manual reviews
Mastercard SMS (debit)	999,999.99
Visa	999,999.99
Discover	999,999.00
STAR	10,000.00
Mastercard DMS (credit)	100.00


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Parameters

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Note

Table of contents

Onboarding (KYC/CIP)

Accounts

Deposit Sweeps

Round Up

Account holder refunds

Chargeoff

Overdraft

Cards

Instant-issue cards

Card loads

Mobile wallets

PINs

PIN Retrieval Service

PIN-set procedures

Offline PIN

Additional values

ACSET values

Authorization

Balance inquiries

Non-card transactions

ACH

Fees

Holds

Bill pay

Disputes

Risk

Credit

Single-use virtual card

Program API

Events API

Auth API

External Trans API

ATCDF examples

Two-digit ATC tolerance examples

Three-digit ATC tolerance examples

EMBFL values

ZREVW values

📘Note

Table of contents

Onboarding (KYC/CIP)

Accounts

Deposit Sweeps

Round Up

Account holder refunds

Chargeoff

Overdraft

Cards

Instant-issue cards

Card loads

Mobile wallets

PINs

PIN Retrieval Service

PIN-set procedures

Offline PIN

Additional values

ACSET values

Authorization

Balance inquiries

Non-card transactions

ACH

Fees

Holds

Bill pay

Disputes

Risk

Credit

Single-use virtual card

Program API

Events API

Auth API

External Trans API

ATCDF examples

Two-digit ATC tolerance examples

Three-digit ATC tolerance examples

EMBFL values

ZREVW values

📘
Note