Visa or Mastercard performed a STIP financial or non-financial transaction. When is_stip_denial: Y, then available balance has not changed, and Galileo did not send an Auth API webhook. If is_stip_denial: N and the available balance has changed, Galileo sent a webhook. You can receive this event only when STIPA is set to Y. To receive a message only for non-financial STIP transactions, see STPD: auth_stip_info.

Code — STPA
Event trigger — Galileo receives a STIP advice from Visa or Mastercard.

Fields

The data elements (DEs) in the field descriptions may vary by network. All fields are strings. Your field names may vary. Default fields are included in the default webhook template. See Default and optional fields for more information.

Field	Default	Description
amount	X	The amount of the authorization request. Includes fees and upcharges. DE004 times the conversion rate in DE009. The amount is signed: `-` to debit the account and `+` to credit the account. Example: `"10.25"`
auth_id	X	Galileo-generated ID for the authorization request. This ID is unique per subnetwork. Example: `"12303090"`
auth_tran_type		Based on DE003, processing code. Type of authorization request. See Authorization types for possible values. Example: `"5"`
avail_cash		For debit accounts, the `open_to_buy` plus available overdraft. Example: `"143.11"`
avail_credit		For credit accounts, the available credit limit to spend. Example: `"432.00"`
balance_id	X	The balance ID, also called the `galileo_account_number`. Example: `"20211"`
billing_amt		Amount to be billed in the currency of the cardholder account (DE006). Example: `"24.35"`
cad	X	Galileo-generated card ID. Example: `"12534"`
ch_group_id		Corporate Hierarchy group identifier. Example: `"2544"`
credit_balance		For credit accounts, the total amount of unpaid purchases and advances. Example: `"325.00"`
currency		Currency code for `amount`, which is the currency of the cardholder account. Example: `"840"`
fund_pmt_ref_no		The PRN of the RTF or Corporate Credit funding account that is associated with this spending account. Example: `"122101354223"`
in_de39	X	The response code that the network provided to the merchant (not the response code that Galileo provided to the network, which for STIP notifications is always `00`). See Authorization Response Codes for possible values.
is_stip_denial		Whether the STIP advice is a denial. Example: `Y`
latest_incremental_id		The `auth_id` of the previous authorization in an incremental sequence. May contain the same value as `original_auth_id`. Example: `"12303085"`
local_surcharge_amt local_atm_surcharge		The surcharge amount (DE028) added by the merchant or ATM operator. This amount is included in `amount`. Example: `"2.50"`
mcc	X	Merchant category code (DE018). Example: `"5712"`
merchant_location	X	Merchant city and state (from remaining part of ISO DE043). Example: `"NEW YORK, NY"`
merchant_name	X	Merchant name (first 22 characters of DE043). Should not be used for matching; instead, use `merchant_number`. Example: `"Widgets Incorporated"`
merchant_number	X	Merchant number (DE042). Example: `"L4DIV6D5LM4X7LF"`
msg_event_id		Unique Galileo-generated identifier for this message. Example: `"243693"`
msg_id		The four-letter code to identify this event. Example: `"STPA"`
network	X	See Events Network Codes for possible values. Example: `"V"`
open_to_buy	X	The available balance to spend. Example: `"500.00"`
original_auth_id		The `auth_id` of the previous authorization in a sequence. For a completion, this is the `auth_id` of the preauthorization. For a reversal, this is the `auth_id` of the transaction that is being reversed. For an incremental sequence, this is the `auth_id` of the previous authorization in the sequence. Example: `"12303085"`
original_incremental_id		The `auth_id` of the first authorization in an incremental sequence. Example: `"12302001"`
pmt_ref_no	X	Galileo 12-digit payment reference number (PRN) for the account. Example: `"999101003022"`
prod_id	X	The product ID of the account. Example: `"1701"`
prog_id	X	The program ID of the account. Example: `"305"`
response_code	X	See Authorization Response Codes for possible values. Example: `"05"`
rules_results	X	Comma-delimited list of DENY, WARN or FREEZE rules from Galileo's dynamic fraud engine. Example: `"hr_crypto:DENY, intl_cnp_ecom:DENY"`
stip_advice	X	Advice reason code from the network. See Advice Reason Codes for valid values. Example: `"9020"`
timestamp	X	Date-time when this event was created in Mountain Standard Time (GMT -0700). Format: `YYYY-MM-DD hh:mm:ss MST` Example: `"2025-01-31 17:20:33 MST"`
tlid		Mastercard only. Transaction link identifier. An identifier that Mastercard generates for every original transaction. DE105SF1. Example: `"f3a54c321e634e9b"`
type	X	The name of this event: `"auth_stip_advice"`
visa_trans_id		Contents of Field 62.2: Transaction Identifier (bitmap format). This Visa-generated transaction ID is unique for each original authorization and financial request. Example: `"141037867734271"`

Example

# auth_stip_advice example:
{
  "amount": "-77.00",
  "auth_id": "12303090",
  "balance_id": "20211",
  "billing_amt": "77",
  "cad": "12534",
  "ch_group_id": "2544",
  "currency": "840",
  "latest_incremental_id": "12303085",
  "mcc": "5712",
  "merchant_location": "PERRY, GA",
  "merchant_name": "AT&T RNCP 136300",
  "merchant_number": "000844017654881",
  "network": "M",
  "open_to_buy": "-7.58",
  "original_auth_id": "12303085",
  "original_incremental_id": "12302001",
  "pmt_ref_no": "999101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "response_code": "00",
  "stip_advice": "9020",
  "timestamp": "2025-01-31 17:20:33 MST",
  "tlid": "f3a54c321e634e9b",
  "type": "auth_stip_advice",
  "visa_trans_id": "141037867734271"
}