An incoming ACH request to move funds into a customer account has failed. The available balance has not changed. You can receive this event only if FACHA is set to Y.

Reasons for failure could be:

  • The customer account is not in a status that is specified in ACSTS.
  • The product does not accept incoming credits, as specified in ACCRD.
  • A load limit has been violated: Either the amount of the transaction is too large or the cumulative amount during a certain time is too large.

  • CodeACHC
  • Event trigger — You or Galileo reject the request, or the request fails.
  • Processes — These processes contain the event trigger:
    • Galileo receives a Nacha file that contains a request to move funds into a customer account.
    • Modify Pending Deposit Status endpoint with actionType: R


All fields are strings. Your field names may vary.

Field Required Description

Trace ID for an ACH transaction, generated by the originator. 15 digits. Example: "034294619573021"

amount X

Amount of the transaction. Unsigned. Example: "63.21"


For debit accounts, the open_to_buy plus available overdraft. Example: "143.11"


For credit accounts, the available credit limit to spend. Example: "432.00"

balance_id X

The balance ID, also called the galileo_account_number. Example: "20211"


Galileo-generated card ID. Example: "12534"


For credit accounts, the total amount of unpaid purchases and advances. Example: "325.00"


Unique Galileo-generated identifier for this message. Example: "243693"


The four-letter code to identify this event. Example: "ACHC"


The available balance to spend. Example: "500.00"

pmt_ref_no X

Galileo 12-digit payment reference number (PRN) for the account. Example: "155101003022"

prod_id X

The product ID of the account. Example: "1701"

prog_id X

The program ID of the account. Example: "305"

return_code X

See ACH Return Codes for possible values. Example: "R01"

source X

Name of the originating depository financial institution (ODFI). Example: "Bank of Centerville"

source_id X

Identifier for the source. Example: "3029674"

timestamp X

Date-time when this event was created in Mountain Standard Time (GMT -0700). Format: YYYY-MM-DD hh:mm:ss MST Example: "2023-01-29 17:20:33 MST"

type X

The name of this event: "ach_credit_fail"


Populated according to your use case and needs by arrangement with Galileo.


# ach_credit_fail example:
  "ach_source_trace": "034294619573021",
  "amount": "63.21",
  "avail_cash": "143.11",
  "avail_credit": "432.00",
  "balance_id": "20211",
  "cad": "12534",
  "credit_balance": "325.00",
  "msg_event_id": "243693",
  "msg_id": "ACHC",
  "open_to_buy": "500.00",
  "pmt_ref_no": "155101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "return_code": "R01",
  "source": "Bank of Centerville",
  "source_id": "3029674",
  "timestamp": "2023-01-29 17:20:33 MST",
  "type": "ach_credit_fail"