A payment (deposit) was posted. The funds are available for spending. Available balance has increased by the specified amount. If the deposit is delayed, the BDPM: pmt_delayed message is sent instead.

  • CodeBPMT
  • Event trigger — The specified amount is credited to the account.
  • Processes — These processes contain the event trigger:


All fields are strings. Your field names may vary.

Field Required Description

See Account Statuses for possible values. Example: "N"


Trace ID for an ACH transaction, generated by the originator. 15 digits. Example: "034294619573021"

ach_trans_id X

Unique Galileo-generated identifier for an ACH transaction. Example: "7971383"

act_type X

For all payments the activity type is "PM".

amount X

Amount of the transaction. Unsigned. Example: "63.21"


Visa loads only. See Business Application Identifier for possible values. Example: "AA"

balance_id X

The balance ID, also called the galileo_account_number. Example: "20211"


Galileo-generated card ID. Example: "12534"


See Card Statuses for possible values. Example: "N"


ID for the customer record. Example: "264539"


Company descriptor found in the batch header of the Nacha file. Example: "RESTAURANT"


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

description X

"Description of the payment. Example: "Transfer from Savings"

effective_dt X

For an ACH transaction, this is the effective date when the ACH payment should post. Usually set by the bank to the actual date when the payment is posted, in case we post the payment early. Format: MM/DD/YYYY. Example: "03/10/2019"

ext_trans_id X

External transaction ID. Example: "1234-abcdefg"


External account ID. Example: "da4-f26-212"

hold_days X

Number of days for a payment to be held before posting. Example: "1"

incoming_ach_days_early X

The number of days before settle_standard_date that the ACH transaction posted. This field is available only if ACH early access is enabled with the FBEEA parameter. Example: "2"


Merchant category code (DE018). Example: "5712"


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


Routing number for the originating depository financial institution of an ACH transaction. Nine digits. Example: "325491456"

open_to_buy X

The available balance to spend. Example: "500.00"


The exact date-time at which open_to_buy was captured. Format: YYYY-MM-DD hh:mm:ss.ssssss Example: "2023-03-17 14:06:50.243654"


ACH originator account number. Example: "265493042"


ACH originator name. Example: "ABC Bank"

otype X

See Transaction Types for possible values. Example: "W"

pmt_id X

Galileo-generated identifier for this payment. Example: "7971383"

pmt_ref_no X

Galileo 12-digit payment reference number (PRN) for the account. Example: "155101003022"


Identifier for the transaction that triggered this payment. Example: "3029584"


Date that the transaction posted to the cardholder account. Format: MM/DD/YYYY Example: "03/18/2023"

prod_id X

The product ID of the account. Example: "1701"

prog_id X

The program ID of the account. Example: "305"


Name on the recipient account. Example: `"Jamal Williams"


Standard entry class code such as PPD for direct deposits and WEB for P2P transactions. Example: "PPD"


The date the transaction settled in Julian format: YYDDD Example: "23005"

settle_standard_date X

Settlement date from the ACH file. This is when funds from incoming ACH transactions would post if early access for direct deposits were disregarded. Format: MM/DD/YYYY. Example: "05/01/2020"


For ACH transactions, the name of the originator.

timestamp X

Date-time when this event was created in Mountain Standard Time (GMT -0700). Format: YYYY-MM-DD hh:mm:ss MST Example: "2023-01-29 17:20:33 MST"

type X

Name of this event: "pmt"


Populated according to your use case and needs by arrangement with Galileo.


# pmt example:
  "account_status": "N",
  "ach_source_trace": "034294619573021",
  "ach_trans_id": "7971383",
  "act_type": "PM",
  "amount": "63.21",
  "bai": "AA",
  "balance_id": "20211",
  "cad": "12534",
  "card_status": "N",
  "client_id": "264539",
  "company_entry_desc": "RESTAURANT",
  "currency": "840",
  "description": "Transfer from Savings",
  "effective_dt": "03/10/2019",
  "ext_trans_id": "1234-abcdefg",
  "extid": "da4-f26-212",
  "hold_days": "1",
  "incoming_ach_days_early": "2",
  "mcc": "5712",
  "msg_event_id": "243693",
  "odfi_routing_number": "325491456",
  "open_to_buy": "500.00",
  "opentobuy_ts": "2023-03-17 14:06:50.243654",
  "orig_acct_number": "265493042",
  "orig_name": "ABC Bank",
  "otype": "W",
  "pmt_id": "7971383",
  "pmt_ref_no": "155101003022",
  "pmt_source_id": "3029584",
  "post_date": "03/18/2023",
  "prod_id": "1701",
  "prog_id": "305",
  "receiver_name": "Jamal Williams",
  "sec_code": "PPD",
  "settle_julian_date": "23005",
  "settle_standard_date": "05/01/2020",
  "timestamp": "2023-01-29 17:20:33 MST",
  "type": "pmt"