Introduction
Welcome to PT API. It is Prepaid Technologies' end-to-end platform that makes it simple to create digital banking and branded card experiences. This documentation includes comprehensive information for building financial products and integrating with PT API.
The fastest way to get your integration up and running is to use our Quick Start guide, which walks you through the essential integration steps. We've tried to make this documentation user-friendly, but if you have any questions, please head to our Discord Server.
Glossary
Term | Description | |
|---|---|---|
About the Platform
PT API is built on the Prepaid Technologies Platform, which processes billions of dollars of payments annually and inherits all scalability, reliability, and security features of the Prepaid Technologies platform.
PT API Components
All financial products built on Instant are comprised of four components:
Developer Portal: A web tool for Developers and Businesses to explore the Prepaid Technologies offerings and subscribe to PT products.
Product:
Feature: The underlying card program that enables a business to create Instant cards.
API: Mobile and/or online banking applications that cardholders use to manage their accounts.
Dashboard
Getting a business_id
Before using Instant to create financial products, enroll your business through our Dashboard, and get a
business_id
.
Master Funds Account
Galileo creates a master funds account for every business that enrolls in Instant. This account can be used to instantly fund cardholder accounts, enabling a wide variety of product use cases. The
account_id
, balance, account number, routing numbers, and transactions for the master funds account are available in our Dashboard.
Creating a Product
Products are fundamental for creating Instant cardholders. Use our Dashboard to create and manage your products.
Instant API
Creating API keys
Before integrating with the Instant API, you must create an account in our Dashboard and generate an API key. Once you have a key, you can exchange it for an
access_token
. An access_token is required for all subsequent API requests.
API Hosts
SandboxProduction
https://sandbox.galileo-ft.com/instant/v1
API Protocols
The Instant API uses POST requests to communicate and HTTP response codes to indicate status and errors. All requests must include a
Content-Type
of application/json and the body must be valid JSON. All responses are in standard JSON.
Digital Banking
Cardholders need a way to manage their accounts. This includes viewing balances, tracking spending, and accessing monthly statements. Digital banking is how we describe any user interface that provides these functions for cardholders.
Instant Mobile Banking is an out-of-the-box digital banking solution available for businesses. Custom interfaces are also supported but may be subject to approval by Galileo and our bank partner.
Parent-Client Hierarchy
Group Level
Client Level
Program Level
