ACH Tracing and Troubleshooting

This section describes identifiers used to trace outgoing and incoming ACH. It also describes statuses that indicate a failed outgoing ACH request.

Using identifiers to trace ACH transactions

You can use a combination of identifiers to trace ACH transactions within your system. Tracing methods depend on whether the transaction is outgoing or incoming ACH.

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Note

See also Mapping Transactions Within Your System for a general guide on using identifiers to trace transactions.

Tracing outgoing ACH

When you call the Create ACH Transaction endpoint, you pass a unique identifier through the transactionId parameter. Galileo uses the value in transactionId to associate the endpoint call with Events API webhooks as well as RDF records.

  • Events API webhooks — When Galileo sends a transaction event such as BPMT: pmt or BADJ: adj as a result of an outgoing ACH transaction, the event’s ext_trans_id field matches the transactionId value from your call to the Create ACH Transaction endpoint.
  • RDF record — In the RDF record for an outgoing ACH transaction, the record’s EXTERNAL TRANSACTION ID field matches the transactionId value from your call to the Create ACH Transaction endpoint.

In the response data for a call to the Create ACH Transaction endpoint, Galileo returns the ach_transaction_id, which is unique to every outbound ACH transaction. The ach_transaction_id is not used for tracing Events API webhooks or RDF records, but is used to track any associated calls to the Cancel ACH Transaction and Get ACH Transaction History endpoints.

This table summarizes identifiers for outgoing ACH transactions.

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Note

The labels for these identifiers in the Events API messages may differ according to the arrangements you make with Galileo. For example, each of these identifiers could be labeled tran_id instead of the identifier listed below.

IdentifierWhere this identifier is usedDescription
transactionIdCreate ACH Transaction endpointUnique transaction identifier that you pass through the Create ACH Transaction endpoint.
ach_transaction_idCreate ACH Transaction endpointUnique identifier that Galileo returns in the response data when you call the Create ACH Transaction endpoint. This value is used in associated calls to the Cancel ACH Transaction and Get ACH Transaction History endpoints
ext_trans_idSome transaction events (see the Transaction Events Index)Matches the transactionId passed in the original call to the Create ACH Transaction endpoint.
EXTERNAL TRANSACTION IDRDFMatches the transactionId passed in the original call to the Create ACH Transaction endpoint.
AUTHORIZATION CODERDFMatches the unique identifier that Galileo generates for a payment or adjustment. In the Posted Transactions RDF, the TRANSACTION CODE/TYPE for a payment starts with the letters PM and for an adjustment it starts with AD.
pmt_source_idSome transaction events (see the Transaction Events Index)Identifier for the record that initiated the payment. This is not guaranteed to be unique. Galileo does not recommend using this identifier to trace transactions.
ach_trans_idSome transaction events (see the Transaction Events Index)This value matches the pmt_source_id. Galileo does not recommend using this identifier to trace ACH transactions.

Tracing incoming ACH

An incoming ACH transaction does not result in an external_trans_id in Events API webhooks or the RDF. This table summarizes identifiers for outgoing ACH transactions.

IdentifierWhere this identifier is usedDescription
AUTHORIZATION CODERDFMatches the unique identifier that Galileo generates for a payment or adjustment. In the Posted Transactions RDF, the TRANSACTION CODE/TYPE for a payment starts with the letters PM and for an adjustment it starts with AD.
pmt_source_idSome transaction events (see the Transaction Events Index)Identifier for the record that initiated the payment. This is not guaranteed to be unique. Galileo does not recommend using this identifier to trace ACH transactions.
ach_trans_idSome transaction events (see the Transaction Events Index)This value matches the pmt_source_id. Galileo does not recommend using this identifier to trace ACH transactions.

Troubleshooting outgoing ACH

This table lists ACH transaction statuses that prevent an outgoing transaction from reaching settlement and the next step to take.

StatusDescriptionNext Step
DDeleted by account holderWait for the account holder to request a new transaction.
EErrorReturn or cancel the transaction and notify the originator.
LCancelled due to violation of debit limitNotify the originator that the transaction was cancelled and that it is outside of the allowed range.
RBad routing numberFor outgoing ACH, obtain the correct routing number from the customer.
XOn holdDetermine whether to post or return the transaction.
lPending approval, limit exceededNotify the originator that the transaction is outside of the allowed range.

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