An outgoing ACH request was rejected and returned. The available balance may have changed, depending on whether funds had already been moved into or out of the customer account. You can receive this event only if NTSAA is set to Y.

This event is triggered any time an outgoing ACH transaction is returned. When internal processes detect that a returned transaction is a credit (moving funds into the customer account), the FACH: ach_credit_return event is also triggered.

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


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_acct_id X

Customer ACH account number. Example: "999101538205"

ach_proc_id X

Identifier in the ACH returns table. Example: "333811"


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"


For this message type the value is always "AD".

amount X

Amount of the transaction. Unsigned. Example: "63.21"


For debit accounts, the open_to_buy plus available overdraft. Example: "143.11"


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"


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


Whether the ACH transaction would have debited or credited the recipient account: "C" (credited) or "D" (debited).


Description of the ACH transaction. Example: "Transfer from external account"


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


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


The available balance to spend. Example: "500.00"


See the curated list of otypes for your program from Galileo. Example: "AC"

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"


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


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_return"


# ach_return example:
  "ach_acct_id": "999101538205",
  "ach_proc_id": "333811",
  "ach_trans_id": "7971383",
  "amount": "63.21",
  "avail_cash": "143.11",
  "avail_credit": "432.00",
  "balance_id": "20211",
  "credit_balance": "325.00",
  "description": "Transfer from external account",
  "msg_event_id": "243693",
  "msg_id": "ACRT",
  "open_to_buy": "500.00",
  "otype": "AC",
  "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_return"