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.
- Code —
ACHR
- Event trigger — You or Galileo deny 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 out of a customer account.
- You receive an ACH request to move funds out of a customer account through the External Transactions API.
Fields
All fields are strings. Your field names may vary.
Field | Required | Description |
---|---|---|
ach_source_trace | Trace ID for an ACH transaction, generated by the originator. 15 digits. Example: |
|
amount | X | Amount of the transaction. Unsigned. Example: |
avail_cash | For debit accounts, the |
|
avail_credit | For credit accounts, the available credit limit to spend. Example: |
|
balance_id | X | The balance ID, also called the |
cad | Galileo-generated card ID. Example: |
|
credit_balance | For credit accounts, the total amount of unpaid purchases and advances. Example: |
|
msg_event_id | Unique Galileo-generated identifier for this message. Example: |
|
msg_id | The four-letter code to identify this event. Example: |
|
open_to_buy | The available balance to spend. Example: |
|
pmt_ref_no | X | Galileo 12-digit payment reference number (PRN) for the account. Example: |
prod_id | X | The product ID of the account. Example: |
prog_id | X | The program ID of the account. Example: |
receiver_name | Name on the recipient account. Example: `"Jamal Williams" |
|
return_code | X | See ACH Return Codes for possible values. Example: |
source | X | Name of the originating depository financial institution (ODFI). Example: |
source_id | X | Identifier for the |
timestamp | X | Date-time when this event was created in Mountain Standard Time (GMT -0700). Format: |
type | X | The name of this event: |
user_data | Populated according to your use case and needs by arrangement with Galileo. |
Example
# ach_debit_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": "ACHR",
"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"
}