Get Instant Verification

post

https://risk-{corename}.{env}.gpsrv.com/prp/1.0/getInstantVerification

Use the Get Instant Verification API to validate the ownership and authenticity of an account. This endpoint returns risk levels, account existence, and associated metadata to help determine if an account is valid and if its owner is correctly identified. It provides detailed risk assessments for multiple use cases associated with an external bank account validation, such as ACH transactions, wire transactions, risk checks before account linking, and potential AML mitigation.

See About Galileo Instant Verification for more details.

Status codes

See Global Response Statuses for status codes that are common across endpoints.

Form Data

apiLogin

string

required

length between 1 and 50

Web service username, as provided by Galileo.
Pattern: Max 50 characters
Example: "AbC123-9999"

apiTransKey

string

required

length between 1 and 15

Web service password, as provided by Galileo.
Pattern: Max 15 characters
Example: "4sb62fh6w4h7w34g"

providerId

string

required

length between 1 and 10

Galileo-issued provider identifier.
Pattern: Max 10 digits
Example: "9999"

transactionId

string

required

length between 1 and 60

A unique provider-generated ID to identify this API call. A UUID is preferred.
Pattern: Max 60 characters
Example: "9845dk-39fdk3fj3-4483483478"

eventTs

date-time

required

Timestamp for when an event occurred.
Pattern: YYYY-MM-DD hh:mm:ss
Example: 2020-10-28 13:00:24

eventType

string

enum

required

Specifies the type of an event.
Pattern: "acct_vrfy", "ach", or "wire"
Example: "acct_vrfy"

Allowed:

eventSubtype

string

Subtype of event.
Pattern: "incoming_debit" or "outgoing_debit"
Example: "outgoing_credit"

instantVerify

boolean

Defaults to true

Whether or not an event should have instant verification applied.
Pattern: True or False
Example: True

accountId

string

required

length between 1 and 120

Galileo UUID that identifies the customer account associated with the related event.
Pattern: 1–120 characters
Example: "a125483"

personId

string

required

length between 1 and 120

Unique identifier of the customer associated with the event.
Pattern: 1–120 characters
Example: "p54789641"

requestTs

date-time

required

Timestamp of the account holder's request.
Pattern: YYYY-MM-DD hh:mm:ss
Example: 2020-10-28 13:00:24

businessName

string

length between 1 and 120

Business name of a business account. When acctType: business this field is required.
Pattern: 1–120 characters
Example: "Galileo Financial"

firstName

string

length between 1 and 60

Account holder's first name. When acctType: personal this field is required.
Pattern: 1–60 characters
Example: "Ed"

middleName

string

length between 1 and 60

Account holder's middle name.
Pattern: 1–60 characters
Example: "W"

lastName

string

length between 1 and 60

Account holder's last name. When acctType: personal this field is required.
Pattern: 1–60 characters
Example: "Smith"

acctNo

string

required

Account holder's account number.
Pattern: 5–17 digits
Example: "123456789"

rtNo

string

required

Routing number of the account holder's bank account.
Pattern: 9 digits
Example: "124001545"

riskServiceId

string

required

length between 1 and 50

Unique identifier provided by Galileo during implementation to obtain client PRP configuration details.
Pattern: Max 50 characters
Example: "EPRP-test-1231231:1"

dob

string

Account holder's date of birth.
Pattern: YYYY-MM-DD
Example: 2024-01-01

addr1

string

length between 1 and 60

Account holder's first address line. Cannot be a P.O. Box.
Pattern: 1–60 characters
Example: "33 Maple Street"

addr2

string

length between 1 and 60

Account holder's second address line.
Pattern: 1–60 characters
Example: "APT 5520"

city

string

length between 1 and 60

Account holder's city.
Pattern: 1–60 characters
Example: "Salt Lake City"

state

string

Account holder's state or province abbreviation.
Pattern: 2 character state or province abbreviation
Example: "UT"

zip

string

Account holder's postal code (ZIP code).
Pattern: Max 5 digits
Example: 84121

phoneNo

string

Phone number of bank account holder in E.164 format.
Pattern: 1–15 digits
Example: +11234567890

emailAddr

string

length between 1 and 255

Account holder's email address.
Pattern: 3–255 characters
Example: [email protected]

acctType

string

enum

Defaults to personal

Type of bank account.
Pattern: "personal", "business", or "other"
Example: "personal"

Allowed:

ctryCd

const

enum

Account holder's 2-letter ISO 3166-1 country code.
Pattern: Max 2 characters
Example: "US"

Allowed:

personCreatedTs

date-time

Timestamp when the customer profile was created.
Pattern: YYYY-MM-DD hh:mm:ss
Example: 2020-10-28 13:00:24

idDocNo

string

Account holder's SSN or Tax ID.
Pattern: 9 digits
Example: 123456789

idDocType

string

enum

Type of identification provided by the account holder.
Pattern: "ssn", "itin", "ein"
Example: "ssn"

Allowed:

currCd

const

enum

Defaults to USD

3-letter ISO-4217 currency code. Default: USD.
Pattern: Max 3 characters
Example: USD

Allowed:

acctSubtype

string

enum

Account subtype of bank account holder.
Pattern: "checking" or "savings"
Example: "checking"

Allowed:

transAmt

number

The transaction amount in the currency of the account.
Pattern: 1–10 digits with 2 decimal places
Example: 10000.0

partnerId

string

length between 1 and 10

Galileo-issued partner identifier.
Pattern: Max 10 digits
Example: "9999"

progId

string

length between 1 and 10

Galileo-issued program identifier.
Pattern: Max 10 digits
Example: "9999"

prodId

string

length between 1 and 10

Galileo-issued product identifier.
Pattern: Max 10 digits
Example: "9999"

balanceAmt

number

Balance of account..
Pattern: 1–10 digits with 2 decimal places
Example: "450.12"

balanceAsOfTs

date-time

Timestamp balance was calculated at.
Pattern: YYYY-MM-DD hh:mm:ss
Example: "2020-10-28 13:00:24"

balanceReasonCd

string

Balance reason code.
Pattern: "success" or "timeout" or "not available" or "other"
Example: "success"

Response

Language

URL

Loading…

Response

Click Try It! to start a request and see the response here! Or choose an example:

application/json

Status codes

default