Visa or Mastercard performed a STIP financial or non-financial transaction. You can receive this event only when STIPR is set. This event replaces STPA: auth_stip_advice and STPD: auth_stip_info for those clients who have enhanced STIP data enabled.

Code — STPN
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"`
is_stip_denial	X	Whether the STIP advice is a denial. Example: `Y`
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: `"M"`
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_additional_detail	X	More information about the STIP transaction. See STIP Additional Detail for valid values. Example: `"000001"`
stip_decision	X	The Authorization Response Code that was returned to the merchant by the STIP process. Example: `"51"`
stip_detail	X	Advice reason code from the network. See Advice Reason Codes for valid values. Example: `"4000000"`
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_notification"`
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_notification example:
{
  "amount": "-77.00",
  "auth_id": "12303090",
  "balance_id": "20211",
  "billing_amt": "77",
  "cad": "12534",
  "ch_group_id": "2544",
  "currency": "840",
  "mcc": "5712",
  "merchant_location": "PERRY, GA",
  "merchant_name": "AT&T RNCP 136300",
  "merchant_number": "000844017654881",
  "network": "M",
  "open_to_buy": "500.00",
  "pmt_ref_no": "999101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "response_code": "05",
  "stip_additional_detail": "000001",
  "stip_decision": "51",
  "stip_detail": "4000000",
  "timestamp": "2025-01-31 17:20:33 MST",
  "tlid": "f3a54c321e634e9b",
  "type": "auth_stip_notification",
  "visa_trans_id": "141037867734271"
}