An attempt to move funds into a customer account has been delayed because of a load limit violation. An automated process will attempt to post the transaction on the next day. Available balance has not changed.

Code — BDPM
Event trigger — A payment or deposit violates load limits.
Processes — These processes contain the event trigger:
- Create Payment endpoint
- Create Account Transfer endpoint
- Customer Service Tool

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
ach_trans_id		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		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"`
balance_id	X	The balance ID, also called the `galileo_account_number`. Example: `"20211"`
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"`
description	X	Description of the payment. Example: `"Transfer from Savings"`
ext_trans_id	X	External transaction ID. Example: `"1234-abcdefg"`
merchant_name		Merchant name (first 22 characters of DE043). Should not be used for matching; instead, use `merchant_number`. Example: `"Widgets Incorporated"`
merchant_number		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: `"BDPM"`
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"`
otype	X	See Transaction Types for possible values. Example: `"A"`
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"`
prod_id	X	The product ID of the account. Example: `"1701"`
prog_id	X	The program ID of the account. Example: `"305"`
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: `"pmt_delayed"`
user_data		Populated according to your use case and needs by arrangement with Galileo.

Example

# pmt_delayed example:
{
  "ach_trans_id": "7971383",
  "act_type": "PM",
  "amount": "63.21",
  "avail_cash": "143.11",
  "avail_credit": "432.00",
  "balance_id": "20211",
  "credit_balance": "325.00",
  "description": "Transfer from Savings",
  "ext_trans_id": "1234-abcdefg",
  "merchant_name": "Widgets Incorporated",
  "merchant_number": "L4DIV6D5LM4X7LF",
  "msg_event_id": "243693",
  "msg_id": "BDPM",
  "open_to_buy": "500.00",
  "opentobuy_ts": "2025-03-17 14:06:50.243654",
  "otype": "A",
  "pmt_id": "7971383",
  "pmt_ref_no": "999101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "timestamp": "2025-01-31 17:20:33 MST",
  "type": "pmt_delayed"
}