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.

  • CodeSTPA
  • Event trigger — Galileo receives a STIP advice from Visa or Mastercard.


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"


Based on DE003, processing code. Type of authorization request. See Authorization types for possible values. Example: "5"


For debit accounts, the open_to_buy plus available overdraft. Example: "143.11"


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"


Amount to be billed in the currency of the cardholder account (DE006). Example: "24.35"

cad X

Galileo-generated card ID. Example: "12534"


For credit accounts, the total amount of unpaid purchases and advances. Example: "325.00"


Currency code for amount, which is the currency of the cardholder account. Example: "840"


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.


Whether the STIP advice is a denial. Example: Y


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"


Unique Galileo-generated identifier for this message. Example: "243693"


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"

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 Stand-in processing for more information. 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"

type X

The name of this event: "auth_stip_advice"

* Required in new setups (as of Feb 2022); optional for all others


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