An authorization caused a core account to draw on its overdraft account. The balance of the core account could have been positive or negative prior to this authorization. For more information see Overdraft Workflows.

  • CodeODAA
  • Event trigger — An authorization that uses overdraft funds is approved.
  • Process — This process contains the event trigger:
    • You or Galileo approve an authorization request.


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
balance_id X

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


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


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


Available overdraft balance minus pending fees. Example: "120.00"

od_open_to_buy X

Available overdraft balance. Example: "340.00"


The amount needed from overdraft to cover the authorization amount. Example: "26.00".

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"


The auth_id of the transaction that required overdraft funds. Example: "392047"

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: "overdraft_authorization"


# overdraft_authorization example:
  "balance_id": "20211",
  "msg_event_id": "243693",
  "msg_id": "ODAA",
  "od_f_open_to_buy": "120.00",
  "od_open_to_buy": "340.00",
  "overdraft_needed": "26.00",
  "pmt_ref_no": "999101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "source_id": "392047",
  "timestamp": "2025-01-31 17:20:33 MST",
  "type": "overdraft_authorization"