File Specifications - Galileo RDFs

Overview

This document describes the structure and format of daily Raw Data Files (RDFs) delivered to Spidr's clients. These files contain transaction and account data processed from the Galileo financial platform.

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Please Note

RDFs are only generated in Production. Spidr can provide sample files on-demand for testing purposes.

File Delivery

Schedule

• Frequency: Daily
• Content: Previous business day's data
• Delivery Time: By 9:00 AM EST
• Format: CSV files with PGP encryption

File Naming Convention

Files follow the pattern: [FILETYPE]_[YYYYMMDD].csv.pgp

Examples:

• CUSTOMER_MASTER_20250815.csv.pgp
• ACCOUNT_CARD_20250815.csv.pgp
• TR_AUTH_20250815.csv.pgp
• TR_POSTED_20250815.csv.pgp
• LOOKUP_FILE_20250815.csv.pgp

File Format Specifications

General Format

Trailer Record Format

Each file ends with a trailer record for validation:

TRAILER        1234

• Prefix: TRAILER (8 characters)
• Row count: Right-justified number padded with spaces (excludes header row)
• Example: TRAILER 1234 = 1,234 data rows

Data Type Definitions

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1. CUSTOMER_MASTER File

Contains a daily snapshot of all active customer accounts and their current status.

Filename: CUSTOMER_MASTER_YYYYMMDD.csv.pgp Primary Key: ACCOUNT_ID Row Count: One row per active account Total Columns: 36

Column Specifications

Account Status Values

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Note

Please visit Account and Card Statuses for more information regarding account and card statuses, as well as status transitions.

• ACTIVE - 'Active' accounts are unrestricted and can perform all actions per your program configuration. This is the default status for Digital-First and Virtual-Only cards (they are active upon creation).
• SUSPENDED - Mark accounts as Suspended if you are investigating a potentially compromised or fraudulent account. Money movement and transactions will be limited.
• CLOSED - 'Closed' accounts cannot be reopened.
• DELINQUENT - Account is in a Delinquent status and payments must be made to resolve delinquency. Outward money movement is restricted but payments/incoming ACHs can be permitted per your program configuration.

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2. ACCOUNT_CARD File

Contains all issued cards and their current status.

Filename: ACCOUNT_CARD_YYYYMMDD.csv.pgp Primary Key: CARD_ID Row Count: One row per issued card Total Columns: 25

Column Specifications

Card Status Values

📘

Note

Please visit Account and Card Statuses for more information regarding account and card statuses, as well as status transitions.

• ACTIVE - Card can be used as normal -- no restrictions.
• INACTIVE - Inactive exclusively applies to physical-only cards since they are not active upon creation. Cards transition from Inactive -> Active once they are activated via the Activate Card endpoint.
• FROZEN - A frozen card cannot be used for purchases but has not been canceled. As soon as the card is unfrozen it is usable again without reissuing the card or creating a new card.
• CLOSED - Closed cards cannot be used or reopened.
• CLOSED_LS - Reported stolen or lost. Closed_ls cards cannot be used or reopened.

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3. TR_AUTH File (Authorization Transactions)

Contains all authorization attempts from the previous 24-hour period, including both approvals and declines.

Filename: TR_AUTH_YYYYMMDD.csv.pgp Primary Key: TXN_KEY Row Count: One row per authorization attempt Total Columns: 71

Column Specifications

Authorization Response Codes

• 00 - Approved
• 05 - Do not honor
• 14 - Invalid card number
• 51 - Insufficient funds
• 61 - Exceeds withdrawal limit

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4. TR_POSTED File (Posted Transactions)

Contains all transactions posted to accounts during the previous 24-hour period, including settlements, payments, adjustments, and fees.

Filename: TR_POSTED_YYYYMMDD.csv.pgp Primary Key: TXN_KEY Row Count: One row per posted transaction Total Columns: 130

Column Specifications

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5. LOOKUP_FILE

Contains reference codes for interpreting values in other files.

Filename: LOOKUP_FILE_YYYYMMDD.csv.pgp Primary Key: CODE + FIELD_NAME + FILE_TYPE Row Count: Varies based on active codes Total Columns: 4

Column Specifications

Example Records

ACTIVE,Active Account,STATUS,CUSTOMER_MASTER
FROZEN,Frozen Account,STATUS,CUSTOMER_MASTER
5411,Grocery Stores,MERCHANT_CATEGORY_CODE,TR_AUTH
5812,Restaurants,MERCHANT_CATEGORY_CODE,TR_AUTH

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Transaction Type Classifications

Please refer to Transaction Types & Status Values for more information on transactions.

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Data Handling Notes

Null Values

• All fields except primary keys may contain null/empty values
• Empty string represents null for text fields
• Blank (no value) represents null for numeric and date fields
• Numeric fields show 0 only when explicitly set to zero, not for null values

Amount Fields

• Negative amounts represent debits/charges
• Positive amounts represent credits/deposits
• All amounts are in the minor unit of the currency (e.g., cents for USD)
• CREDIT_INDICATOR field explicitly shows transaction direction when present

Date/Time Formats

• DATE fields: YYYY-MM-DD format
• TIMESTAMP fields: YYYY-MM-DD HH:MM:SS format (24-hour)
• All timestamps are in UTC unless otherwise specified
• Blank/empty for null dates

Business Rules & Processing Notes

Balance Calculations

• CURRENT_BALANCE: End-of-day ledger balance
• AVAILABLE_BALANCE: Amount available for spending (includes pending authorizations)
• ROLLING_BALANCE: Balance after each posted transaction (TR_POSTED only)

Currency Handling

• Currency codes follow ISO 4217 standard (USD=840, EUR=978, etc.)
• Multi-currency transactions include conversion rates
• Conversion rates use 8 decimal precision