ACH Tracking and Troubleshooting

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

Using identifiers to track ACH transactions

The tables below show how the ACH-related identifiers are represented across Galileo systems. The variety in identifier names is a reflection of the complexity in back-end systems and databases.

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Note

The labels for these identifiers in the Events API messages may differ according to the arrangements you made with Galileo. For example, some of these identifiers could be labeled tran_id or trans_id instead of the identifier shown below. You may also need to request that some fields be added to your events.

Trace numbers

Every ACH transaction in a Nacha file has a 15-digit trace number. Trace numbers have this format:

• 8-digit prefix, which is the originating bank routing number minus the check digit.
• Seven additional digits, which are generated in sequence.

Because a trace number cannot have more than 15 digits, the counter for the last seven digits resets after it reaches 9999999, which means that trace numbers are not universally unique. All Galileo clients use the same counter, so depending on the volume of outgoing ACH transactions on the Galileo platform, a single Nacha file can end up having the same trace number more than once. Likewise, trace numbers generated by external banks will reset to 0000000 periodically, depending on how many ACH transactions their customers originate, and so the incoming Nacha files might also have repeated trace numbers.

The trace number is the only transaction identifier that is passed in a Nacha file. The other identifiers that Galileo generates are not included. For that reason, Galileo identifiers cannot be used to track returned transactions.

You can find the official trace number in these places:

• Outgoing ACH — TRACE NUMBER field of the Posted Transactions RDF and ORIG_TRACE in the Outgoing ACH RDF
• Incoming ACH — ach_source_trace, as indicated in the Incoming ACH identifiers table

Outgoing ACH identifiers

An outgoing ACH transaction is initiated by the Create ACH Transaction endpoint, which returns these two fields:

• ach_transaction_id — Unique ID for an outgoing ACH transaction.
• transaction_id — Echo of the transactionId in the endpoint request.

Later, when the transaction is posted to the account, it is assigned a pmt_id if the funds go into the local account and an adj_id if the funds are removed.

Use these three identifiers to track the transaction through the Galileo system.

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Troubleshooting outgoing ACH

This table lists ACH transaction statuses that prevent an outgoing transaction from being completed, as well as the next step to take.

Incoming ACH identifiers

An incoming ACH transaction is initiated when Galileo processes an incoming Nacha file. Galileo uses this ID:

• ach_source_trace — Assigned by the originating side, included in the Nacha file.

Later, when the transaction is posted to the account, it is assigned a pmt_id if the funds go into the local account and an adj_id if the funds are removed.

Use these two identifiers to track the transaction through the Galileo system.

_{* Available by request}