Create ACH Transaction

post

https://api-{corename}.{env}.gpsrv.com/intserv/4.0/createAchTransaction

Use the Create ACH Transaction endpoint to originate an ACH transaction to move funds between a customer account (accountNo) and an existing ACH bank account (achAccountId). Use the Add ACH Account endpoint to add an ACH bank account.

For more information on this endpoint see Creating an ACH transaction in the ACH Endpoints guide.

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Form Data

apiLogin

string

required

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

apiTransKey

string

required

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

providerId

int32

required

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

transactionId

string

required

1 to 60

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

accountNo

string

required

^$|^([0-9]{12}|[0-9]{16})$

The PRN or PAN of the account.
Pattern: PAN or PRN
Example: "074103447228"

achAccountId

int32

required

≥ 1

ACH account identifier (ach_account_id), as returned by Add ACH Account or Get ACH Accounts.
Pattern: Integer
Example: 354656

amount

float

required

≥ 0.01

Currency amount as a whole or decimal amount.
Pattern: Positive integer or float
Example: 100.00, 100, or 100.73

description

string | null

^[\x20-\x7E]+$

Description for the ACH transaction.
Pattern: 1–30 supported characters
Example: "One-time payroll load."

remittanceInfo

string | null

^[\x20-\x7E]+$

Description for the remittance. This string populates the Payment Related Information field of the ACH Addenda Record in the outgoing Nacha file.
Pattern: 1–80 supported characters
Example: "Payoff 2500 transfer initiated and verified to Acct 12345678."

debitCreditIndicator

string

enum

required

Specifies whether to credit (C) or debit (D) the recipient account.
Pattern: String
Example: "D"

Allowed:

authorizationMethod

string | null

enum

^[\x20-\x7E]+$

The authorization method to use:

online_or_mobile — Web site or mobile app
written_or_prearranged — Signed document, agreement, or standing auth
other — Not digital/web/mobile or prearranged

For B2C debit transactions this endpoint defaults to authorizationMethod: other (SEC Code: PPD) unless specified otherwise by the client with a valid value. For B2C credit transactions, authorizationMethod will always be set to other regardless of the authorizationMethod passed in. For all non-B2C transactions, authorizationMethod is ignored and set to None.

Pattern: 1–40 characters
Example: "online_or_mobile"

Allowed:

companyEntryDesc

string | null

^[\x20-\x7E]+$

Describes the purpose of the ACH transaction. Possible values:

PAYROLL — Compensation-related payments for employees or contractors, including wages and salaries. Required only for the PPD SEC code.
PURCHASE — E-commerce-related debit transactions initiated by the cardholder. Required for WEB SEC code, except as permitted by the rule on Standing Authorization to use the TEL SEC code.
Free-text.

See list of restricted values and use cases.

Pattern: Max 10 characters
Example:PAYROLL

sameDay

string | null

enum

Specifies whether this is a same-day transaction.
Pattern: String
Example: "Y"

Allowed:

identNumber

string | null

^[a-zA-Z0-9 ]*$

Provider-supplied identifier, external to the Galileo system. This value is required only for the CIE and WEB SEC codes.
Pattern: 1–15 characters
Example: "999456789"

processorToken

string | null

Obtained from Plaid when using Plaid integration. Checks the balance of the ACH account to verify that there are sufficient funds for an ACH debit.
Pattern: String
Example: "processor-production-35cd43b-adfc-d8aa-b331-c9ba0fdha881"

finicityBalanceCheck

string | null

enum

Controls whether Galileo performs a real-time balance check on an ACH account linked via Mastercard Finicity. By default, this check confirms that there are sufficient funds in the recipient account before initiating an ACH debit. To bypass balance checks, set to N.
Pattern: String
Example: "N"

Allowed:

holdDays

int32 | null

≥ 0

The number of hold days to apply to this transaction, which overrides the hold days in product settings. This value applies only to outgoing ACH debits (debitCreditIndicator: D). This parameter is available only to clients who have obtained bank approval to use it. The ACOHD parameter must be set to use this parameter.
Pattern: Integer
Example: 2

Headers

response-content-type

string

enum

Defaults to json

Use this header instead of the standard accept header to specify the response format.

Allowed:

string

enum

Defaults to application/json

Generated from available response content types

Allowed:

Response

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URL

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Response

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application/json

application/xml