A debit cardholder has a credit-builder account on another platform. The cardholder pulls $135 from the Galileo-based account into their credit-builder account as an account-funding transaction (AFT). The following are true:
An AFT transfers funds from a card account to a non-merchant account.
The initial available balance is $1000.
The network is Visa.
Sequence of events
Events in the same step have the same timestamp.
Visa sends a preauthorization request for –135.00 over network rails.
Galileo approves the preauthorization and puts a 135.00 hold on the account. The available balance is now 865.00. Galileo sends the BAUT: auth webhook.
The credit-builder account platform sends a completion for –135.00.
Galileo backs out the 135.00 preauthorization hold and replaces it with a 135.00 completion hold. The available balance is still 865.00. Galileo sends the AAAU: auth webhook.
Visa sends a batch file with the –135.00 transaction.
Galileo backs out the 135.00 completion and posts –135.00 to the account. The available balance is still 865.00. Galileo sends a SETL: setl webhook.
Transactions
These tables show how the transactions are represented by various Galileo systems. For an explanation of the trans_code field, see Classifying transactions in the About Transactions guide.
Auth API
auth_type
transaction_type
trans_amount
auth_id
original_id
available_funds
timestamp
Auth
Preauth
135.00
4422
0
1000
20231025:034632MST
Advice
Auth
135.00
4433
4422
865
20231025:070503MST
Authorization/Settlement Events webhooks
msg_id
type
amount
auth_id
original_auth_id
open_to_buy
timestamp
BAUT
auth
135
4422
0
865
2023-10-25 03:46:32 MST
AAAU
auth
135
4433
4422
865
2023-10-25 07:05:03 MST
SETL
setl
135
4433
4422
865
2023-10-26 10:39:55 MST
Authorized Transactions RDF
TRANSACTION AMOUNT
AUTHORIZATION CODE
TRANSACTION CODE
REVERSAL ID
TRANSACTION DATE/TIME
AUTH TRANSACTION CODE
BAI
-135
4422
30
0
2023-10-25 03:46:32
VIP
AA
-135
4433
30
4422
2023-10-25 07:05:03
VIC
AA
Posted Transactions RDF
TRANSACTION AMOUNT
AUTHORIZATION CODE
TRANSACTION CODE/TYPE
REVERSAL ID
TRANSACTION DATE/TIME
POST DATE
IS AFT TRANSACTION
-135
4433
VSC
4422
2023-10-25 07:05:03
2023-10-26 10:39:55
Y
Get Authorization History response
This endpoint returns only transactions that have not settled or expired. These transactions are also returned by Get Account Overview. This example shows both the authorization and completion; however, in Production you would get only the most recent transaction.
amt
auth_id
original_auth_id
type
local_amt
timestamp
-135
4422
0
P
000000013500
2023-10-25 03:46:32
-135
4433
4422
C
000000013500
2023-10-25 07:05:03
Get Transaction History response
This endpoint returns only settled transactions. These transactions are also returned by Get Account Overview.
amt
source_id
original_auth_id
trans_code
auth_ts
post_ts
-135
4433
4422
VSC
2023-10-25 03:46:32
2023-10-26 10:39:55
Get All Transaction History response
This endpoint returns the same transactions as the All Transactions screen of the CST.
