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pmt

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.

Fields

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
account_status

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

The ACH account to which the payment was posted. Example: "212101392821"
ach_source_trace

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. For BADJ and BPMT, this field may contain the auth_id of a card-load transaction. Example: "7971383"
act_type X

For all payments the activity type is "PM".
amount X

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

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"
batch_header

The batch-file header for the Nacha file. ACH transactions only. Example: "5220IRS TREAS 310 9111036170PPD TAX REF 0101242401010012111036170000001"
cad

Galileo-generated card ID. Example: "12534"
card_status

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

Corporate Hierarchy group identifier. Example: "2544"
client_id

ID for the customer record. Example: "264539"
company_entry_desc

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

External transaction ID. Example: "1234-abcdefg"
extid

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

Number of days that a payment was 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"
mcc

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

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

The four-letter code to identify this event. Example: "BPMT"
odfi_routing_number

Routing number for the originating depository financial institution (ODFI) of an ACH or wire transaction. Nine digits. Example: "325491456"
open_to_buy X

The available balance to spend. Example: "500.00"
opentobuy_ts

The exact date-time at which open_to_buy was captured. Format: YYYY-MM-DD hh:mm:ss.ssssss Example: "2025-03-17 14:06:50.243654"
orig_acct_number

ACH or wire originator account number. Example: "265493042"
orig_name

ACH, Real-Time Payment (RTP), or wire originator name. Example: "ABC Bank"
otype X

See Transaction Types for possible values. Example: "A"
payment_rail

The FedNow rail over which the transaction arrived at Galileo. Example: "fedwire"
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: "999101003022"
pmt_source_id

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

Date that the transaction posted to the cardholder account. Format: MM/DD/YYYY Example: "03/18/2025"
prod_id X

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

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

Name on the ACH or Real-Time Payment (RTP) recipient account. Example: "Jamal Williams"
reference_id

For incoming Real-Time Payments (RTP) or wires, the input message accountability data (IMAD). Example: "20250623B1Q8151C010268"
retail_chain

The name of the retail chain where the load occurred. Example: “Kroger”
sec_code

Standard entry class code. See SEC Codes Requirements for ACH for valid values. Example: "PPD"
settle_julian_date

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: "05/01/2025"
source_inst_name

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: "2025-01-31 17:20:33 MST"
transaction_id

Wire transaction UUID. Example: "3345df62-3f19-4c21-8b54-f12a3f4f6d3a"
type X

Name of this event: "pmt"
user_data

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

Example

# pmt example:
{
  "account_status": "N",
  "ach_acct_id": "212101392821",
  "ach_source_trace": "034294619573021",
  "ach_trans_id": "7971383",
  "act_type": "PM",
  "amount": "63.21",
  "avail_cash": "143.11",
  "avail_credit": "432.00",
  "bai": "AA",
  "balance_id": "20211",
  "batch_header": "5220IRS  TREAS 310  9111036170PPD  TAX REF 0101242401010012111036170000001",
  "cad": "12534",
  "card_status": "N",
  "ch_group_id": "2544",
  "client_id": "264539",
  "company_entry_desc": "RESTAURANT",
  "credit_balance": "325.00",
  "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",
  "msg_id": "BPMT",
  "odfi_routing_number": "325491456",
  "open_to_buy": "500.00",
  "opentobuy_ts": "2025-03-17 14:06:50.243654",
  "orig_acct_number": "265493042",
  "orig_name": "ABC Bank",
  "otype": "A",
  "payment_rail": "fedwire",
  "pmt_id": "7971383",
  "pmt_ref_no": "999101003022",
  "pmt_source_id": "3029584",
  "post_date": "03/18/2025",
  "prod_id": "1701",
  "prog_id": "305",
  "receiver_name": "Jamal Williams",
  "reference_id": "20250623B1Q8151C010268",
  "sec_code": "PPD",
  "settle_julian_date": "23005",
  "settle_standard_date": "05/01/2025",
  "timestamp": "2025-01-31 17:20:33 MST",
  "transaction_id": "3345df62-3f19-4c21-8b54-f12a3f4f6d3a",
  "type": "pmt"
}