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.
Code — ACHC
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

Fields

All fields are strings. Your field names may vary. Default fields are included in the default webhook template. See Default and optional fields for more information.

Field	Default	Description
ach_source_trace		Trace ID for an ACH transaction, generated by the originator. 15 digits. Example: `"034294619573021"`
amount	X	Amount of the transaction. Unsigned. Example: `"63.21"`
avail_cash		For debit accounts, the `open_to_buy` plus available overdraft. Example: `"143.11"`
avail_credit		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"`
batch_header		The batch-file header for the Nacha file. ACH transactions only. Example: `"5220IRS TREAS 310 9111036170PPD TAX REF 0101242401010012111036170000001"`
cad		Galileo-generated card ID. Example: `"12534"`
ch_group_id		Corporate Hierarchy group identifier. Example: `"2544"`
credit_balance		For credit accounts, the total amount of unpaid purchases and advances. Example: `"325.00"`
msg_event_id		Unique Galileo-generated identifier for this message. Example: `"243693"`
msg_id		The four-letter code to identify this event. Example: `"ACHC"`
open_to_buy		The available balance to spend. Example: `"500.00"`
pmt_ref_no	X	Galileo 12-digit payment reference number (PRN) for the account. Example: `"999101003022"`
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: `"2025-01-31 17:20:33 MST"`
type	X	The name of this event: `"ach_credit_fail"`
user_data		Populated according to your use case and needs by arrangement with Galileo.

Example

# ach_credit_fail example:
{
  "ach_source_trace": "034294619573021",
  "amount": "63.21",
  "avail_cash": "143.11",
  "avail_credit": "432.00",
  "balance_id": "20211",
  "batch_header": "5220IRS  TREAS 310  9111036170PPD  TAX REF 0101242401010012111036170000001",
  "cad": "12534",
  "credit_balance": "325.00",
  "msg_event_id": "243693",
  "msg_id": "ACHC",
  "open_to_buy": "500.00",
  "pmt_ref_no": "999101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "return_code": "R01",
  "source": "Bank of Centerville",
  "source_id": "3029674",
  "timestamp": "2025-01-31 17:20:33 MST",
  "type": "ach_credit_fail"
}