The External Trans API is a webhook that allows you to participate in the decisioning for:
- Approving/denying bill payments
- Approving/denying ACH debits
It's similar to the Auth API, but for bill payments or ACH debits.
When the Galileo system processes a bill payment or incoming ACH debit (an ACH transaction that pulls funds from a customer account), it sends the transaction to your system to approve or deny. Galileo provides information about the transaction (amount, biller, ACH debit originator), and you send Galileo a response code that indicates how you want the transaction to be processed (approved, denied, denied with a specific ACH return code, retry the webhook later).
There are two endpoints (paths): One for bill payments and one for ACH debit. The endpoint path is entirely configurable. For example, you could use these endpoints:
https://client.example.com/path/foo/achdebithttps://client.example.com/bar/billpay
or you could use these endpoints:
https://www.bar.com/achhttps://www.bar.com/v2/bp
Settings
Consult the External Trans API table on the Parameters page to see some possible settings.