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.
- Code —
BPMT - Event trigger — The specified amount is credited to the account.
- Processes — These processes contain the event trigger:
- Program API endpoints:
- ACH transactions
- Wire transactions
- Galileo-hosted cardholder website
- Customer Service Tool
- Internal administrative processes that move funds into customer accounts
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: |
|
| ach_acct_id | The ACH account to which the payment was posted. Example: |
|
| ach_source_trace | Trace ID for an ACH transaction, generated by the originator. 15 digits. Example: |
|
| ach_trans_id | X | Unique Galileo-generated identifier for an ACH transaction. For BADJ and BPMT, this field may contain the |
| act_type | X | For all payments the activity type is |
| amount | X | Amount of the transaction. Unsigned. Example: |
| avail_cash | For debit accounts, the |
|
| avail_credit | For credit accounts, the available credit limit to spend. Example: |
|
| bai | Visa loads only. See Business Application Identifier for possible values. Example: |
|
| balance_id | X | The balance ID, also called the |
| batch_header | The batch-file header for the Nacha file. ACH transactions only. Example: |
|
| cad | Galileo-generated card ID. Example: |
|
| card_status | See Card Statuses for possible values. Example: |
|
| ch_group_id | Corporate Hierarchy group identifier. Example: |
|
| client_id | ID for the customer record. Example: |
|
| 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: |
|
| currency | Currency code for |
|
| description | X | Description of the payment. Example: |
| 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: |
| ext_trans_id | External transaction ID. Example: |
|
| extid | External account ID. Example: |
|
| hold_days | X | Number of days that a payment was held before posting. Example: |
| incoming_ach_days_early | X | The number of days before |
| mcc | Merchant category code (DE018). Example: |
|
| merchant_country_code | Mastercard credit only. The 3-letter code of the country where the merchant is officially located (ISO 3166-1). Example: |
|
| msg_event_id | Unique Galileo-generated identifier for this message. Example: |
|
| msg_id | The four-letter code to identify this event. Example: |
|
| odfi_routing_number | Routing number for the originating depository financial institution (ODFI) of an ACH or wire transaction. Nine digits. Example: |
|
| open_to_buy | X | The available balance to spend. Example: |
| opentobuy_ts | The exact date-time at which |
|
| orig_acct_number | ACH or wire originator account number. Example: |
|
| orig_name | ACH, Real-Time Payment (RTP), or wire originator name. Example: |
|
| otype | X | See Transaction Types for possible values. Example: |
| payment_rail | The FedNow rail over which the transaction arrived at Galileo. Example: |
|
| pmt_id | X | Galileo-generated identifier for this payment. Example: |
| pmt_ref_no | X | Galileo 12-digit payment reference number (PRN) for the account. Example: |
| pmt_source_id | Identifier for the transaction that triggered this payment. Example: |
|
| post_date | Date that the transaction posted to the cardholder account. Format: |
|
| prod_id | X | The product ID of the account. Example: |
| prog_id | X | The program ID of the account. Example: |
| receiver_name | Name on the ACH or Real-Time Payment (RTP) recipient account. Example: |
|
| reference_id | For incoming Real-Time Payments (RTP) or wires, the input message accountability data (IMAD). Example: |
|
| retail_chain | The name of the retail chain where the load occurred. Example: |
|
| sec_code | Standard entry class code. See SEC Codes Requirements for ACH for valid values. Example: |
|
| settle_julian_date | The date the transaction settled in Julian format: |
|
| 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: |
| 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: |
| transaction_id | Wire transaction UUID. Example: |
|
| type | X | Name of this event: |
| 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",
"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",
"merchant_country_code": "USA",
"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"
}