ach_credit_return

An outgoing ACH request to move funds into a customer account was rejected and returned by the external entity. This event is sent in addition to ACRT: ach_return.

In this case, the funds were already temporarily credited to the customer account. After the request is rejected and returned, an adjustment is created to remove the funds from the customer account, and the adjustment has a hold on it (typically five days). When the hold expires, the BADJ: adj event is sent. No product parameter setting is required to receive this event.

  • CodeFACH
  • Event trigger — Galileo finds the returned ACH credit in the Nacha file.
  • Process — This process contains the event trigger:
    • Galileo receives a Nacha file.

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"

ach_trans_id

Unique Galileo-generated identifier for an ACH transaction. For BADJ and BPMT, this field may contain the auth_id of a card-load transaction. Example: "7971383"

amount

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"

credit_balance

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

ext_trans_id X

The transactionId of the API call that initiated the ACH transaction.

msg_event_id

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

msg_id

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

open_to_buy X

The available balance to spend. Example: "500.00"

payment_id X

Identifier (pmt_id) for the payment into the cardholder account. Example: "1236458"

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"

receiver_name

Name on the ACH or Real-Time Payment (RTP) recipient account. Example: "Jamal Williams"

return_code X

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

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_return"

user_data

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

Example

# ach_credit_return example:
{
  "ach_source_trace": "034294619573021",
  "ach_trans_id": "7971383",
  "amount": "63.21",
  "avail_cash": "143.11",
  "avail_credit": "432.00",
  "balance_id": "20211",
  "credit_balance": "325.00",
  "ext_trans_id": "9845dk-39fdk3fj3-4483483478",
  "msg_event_id": "243693",
  "msg_id": "FACH",
  "open_to_buy": "500.00",
  "payment_id": "1236458",
  "pmt_ref_no": "155101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "receiver_name": "Jamal Williams",
  "return_code": "R01",
  "timestamp": "2025-01-31 17:20:33 MST",
  "type": "ach_credit_return"
}