Galileo API
Galileo Financial Technologies (now SoFi Tech Solutions) is a cloud-native payments and banking platform that powers card issuing, payment processing, deposits, lending, and fraud for banks, fintechs, and brands. An API lets you programmatically create accounts and cards, pull transactions and balances, manage authorizations and disputes, and push updates like card activations, status changes, and payments back into Galileo.
What is Galileo?
Galileo Financial Technologies (now SoFi Tech Solutions) is a cloud-native financial technology platform that helps banks, fintechs, and brands build and scale modern payment and banking products through developer-friendly APIs. Customers use Galileo to issue physical, virtual, and digital-first cards; process payments and money movement; manage deposit accounts; run credit and lending programs; and detect and resolve payment fraud—often launching new financial products in as little as three months across 55+ partner banks, networks, and embossers.
Core product areas include:
- Payments & Cards (card issuing, payment processing, and program management)
- Deposits (core modernization and cloud-native account migrations)
- Lending (secured credit, corporate credit, and buy-now-pay-later)
- Engagement Channels (digital banking with AI-powered self-service tools)
- Risk (payment fraud detection, verification, and dispute resolution)
Common data entities:
- Accounts, Cards (physical, virtual, digital-first), Customers/Cardholders
- Transactions, Authorizations, Adjustments, ACH transfers, Bill payments
- Account Controls, MCC/merchant restrictions, Overdraft and credit limits
- Disputes, Risk assessments, Loans, Alerts, Corporate hierarchies
- Events/Notifications, Mobile wallet provisioning, PIN and status changes
The Galileo Integration Challenge
Programs run mission-critical card and banking workloads on Galileo every day, but wiring up clean, resilient automation against its platform is non-trivial:
- Credentialed program access: Provider IDs, usernames/passwords, product IDs, and IP allow-listing must be provisioned by Galileo before any call succeeds
- Program-by-program configuration: Card products, controls, fee plans, and authorization rules are tailored per program—generic integrations break across tenants
- Multiple API surfaces: Program, Authorization, Events, Disputes, and External Trans APIs each have their own object models, semantics, and lifecycles
- Real-time decisioning windows: Authorization and external-transaction approvals run on tight latency budgets where missed responses fall back to defaults
- Sandbox-to-production drift: Behavior validated against the sandbox at sandbox.gpsrv.com can diverge from a live program's configured controls and limits
- Compliance and audit handling: Card transactions, disputes, and adjustments require precise idempotency, reason codes, and PCI-aligned data handling
How Supergood Creates Galileo APIs
Supergood reverse-engineers Galileo's authenticated program flows and its open API catalogue to deliver a resilient, normalized API layer for your specific Galileo program—across card, deposit, and lending products.
- Handles Galileo credential provisioning (provider IDs, product IDs, IP allow-listing) and managed session continuity
- Normalizes responses across Program, Authorization, Events, and Disputes APIs so you integrate once against consistent objects
- Applies idempotency keys, retries, and reason-code handling for card, transaction, and adjustment writes
- Aligns with program-specific card products, controls, and entitlements to keep access compliant
Use Galileo with AI agents: Galileo MCP Server →
Getting Started
- Schedule Integration Assessment
Book a 30-minute session to confirm your Galileo program, products, and authentication model.
- Supergood Generates and Validates Your API
We deliver a production-ready Galileo adapter tailored to your program configuration and entitlements.
- Deploy with Monitoring
Go live with continuous monitoring and automatic adjustments as Galileo evolves.
API Endpoints
Authentication
/authenticateAuthenticate to a Galileo program using provider credentials (provider ID, username/password, product ID) and obtain a session for downstream calls.
Accounts
/create_accountCreate a customer account and enroll a cardholder against the program's configured product definition.
Cards
/cardsList physical, virtual, and digital-first cards with filters for status, account, and product.
Cards
/activate_cardActivate a card, change PIN, or update card status (lock, replace, reissue) for an enrolled account.
Transactions
/transactionsRetrieve transaction history, authorizations, adjustments, ACH transfers, and bill payments with date and status filters.
Disputes
/file_disputeFile a transaction dispute with reason codes and supporting detail, and track its resolution lifecycle.
Use Cases
Sync card and account data into your warehouse
- Pull accounts, cards, and cardholder records from the Program API into a single source of truth - Stream transaction, authorization, and adjustment events to downstream BI and ledger systems - Reconcile balances and statuses across card, deposit, and lending products
Automate card issuance and lifecycle
- Create accounts and issue physical, virtual, or digital-first cards via API - Activate cards, change PINs, and provision mobile wallets without portal clicks - Apply account controls and MCC/merchant restrictions programmatically
Participate in real-time authorizations
- Receive Events API alerts when actions occur on a customer account - Approve or deny transactions through the Authorization API within decisioning windows - Decision bill payments and ACH debits via the External Trans API
Streamline disputes and fraud workflows
- File and track disputes through the Disputes API end to end - Surface risk assessments and flagged transactions to fraud-ops tooling - Push resolution and reason-code updates back into Galileo
Technical Specifications
Authentication
Galileo provider credentials (provider ID, username/password, product ID) with IP allow-listing, handled in a managed session
Connectivity
Authenticated program flows plus Galileo's open API catalogue (Program, Authorization, Events, Disputes, External Trans) over HTTPS/SSL
Response format
Normalized JSON across Accounts, Cards, Transactions, and Disputes objects
Rate limits
Adaptive throttling tuned to your program to stay within Galileo's documented rate limits
Session management
Automatic session refresh, credential rotation, and IP allow-list handling
Data freshness
Near real-time pulls for cards, accounts, and transactions with optional scheduled batch syncs
Security
Encrypted credential vault, scoped access, PCI-aligned controls, and audit logging
Webhooks
Events API callbacks for account actions, authorizations, card status, and dispute changes
Latency
Sub-second reads on cached entities; real-time responses tuned for authorization decisioning windows
Throughput
Horizontally scaled workers sized to card-program transaction volume
Reliability
Retry, backoff, and idempotency keys for account, card, transaction, and adjustment writes
Adaptation
Continuous monitoring of Galileo (SoFi Tech Solutions) API releases and program configuration drift
Frequently asked questions
Yes. Supergood normalizes data across Galileo's Payments & Cards, Deposits, and Lending products, so card, account, and loan entities are exposed through a single API surface.
Yes. Galileo issues provider IDs, usernames/passwords, product IDs, and IP allow-listing per program. Supergood works with your existing program credentials and managed sessions rather than requiring a separate partnership.
Yes. Supergood integrates the Authorization, Events, and External Trans APIs so you can receive account-action alerts and approve or deny transactions within Galileo's decisioning windows.
Each program is profiled against its configured card products, controls, and entitlements. Supergood preserves program-specific fields, lifecycle states, and limits rather than forcing a generic schema.
Both. We validate against Galileo's sandbox at sandbox.gpsrv.com and then operate against your live program, tuning for any sandbox-to-production configuration drift.