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.

Code — FACH
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"`
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"`
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: `"999101003022"`
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": "999101003022",
  "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"
}