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ach_return

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.

  • Code — ACRT
  • Event trigger — Galileo finds the returned transaction 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_acct_id X

Customer ACH account number. Example: "999101538205"
ach_proc_id X

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

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

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"
deb_cred_ind

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

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

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

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

The available balance to spend. Example: "500.00"
otype

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: "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

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"

Example

# 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": "155101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "receiver_name": "Jamal Williams",
  "return_code": "R01",
  "timestamp": "2025-01-31 17:20:33 MST",
  "type": "ach_return"
}