An incoming ACH request to move funds out of 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:

  • Insufficient funds
  • Inactive customer account
  • The originator of the transaction is not allowed or not found
  • ACDBT is not set to Y
  • The transaction was denied through the External Transactions API with an Rxx return code.

  • CodeACHR
  • Event trigger — You or Galileo deny the request, or the request fails.
  • Processes — These processes contain the event trigger:
    • Galileo receives a Nacha fileNacha file - ACH transaction file that is standardized by the National Automated Clearing House Association. The Nacha file format is an encrypted and standardized format that all banks in the ACH network are equipped to process. that contains a request to move funds out of a customer account.
    • You receive an ACH request to move funds out of a customer account through the External Transactions API.


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"

balance_id X

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


Galileo-generated card ID. Example: "12534"


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


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"


Name on the recipient account. Example: `"Jamal Williams"

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_debit_fail"


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


# ach_debit_fail example:
  "ach_source_trace": "034294619573021",
  "amount": "63.21",
  "balance_id": "20211",
  "cad": "12534",
  "msg_event_id": "243693",
  "open_to_buy": "500.00",
  "pmt_ref_no": "155101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "receiver_name": "Jamal Williams",
  "return_code": "R01",
  "source": "Bank of Centerville",
  "source_id": "3029674",
  "timestamp": "2023-01-29 17:20:33 MST",
  "type": "ach_debit_fail"