FACH: ach_credit_return

webhook

ach_credit_return

An outgoing ACH request to move funds into a customer account was rejected and returned by the external entity. This event is sent in addition to ACRT: ach_return.

In this case, the funds were already temporarily credited to the customer account. After the request is rejected and returned, an adjustment is created to remove the funds from the customer account, and the adjustment has a hold on it (typically five days). When the hold expires, the BADJ: adj event is sent. No product parameter setting is required to receive this event.

Trigger — Galileo finds the returned ACH credit in the Nacha file.
Processes — These processes contain the event trigger:
- SoFi Tech Solutions receives a Nacha file.

Payload

ach_trans_id

string

Unique system-generated identifier for an ACH transaction. For BADJ and BPMT, this field may contain the auth_id of a card-load transaction.

amount

string

Amount of the transaction. Unsigned.

available_balance

string

Amount available to spend at the time of the event. Legacy field: balance.

balance_id

string

The balance ID, also called the galileo_account_number. Legacy field: account_id.

event_ts

string

Timestamp when the message was ingested by SoFi Tech Solutions (Mountain Standard Time). Format: "YYYY-MM-DD hh:mm:ss MST". Legacy fields: timestamp, tran_timestamp.

ext_trans_id

string

The transactionId of the API call that initiated the ACH transaction.

external_account_id

string

User-supplied identifier to link to an external system.

method

string

Event category. Indicates the type of event.

msg_event_id

string

Unique system-generated identifier for this message.

msg_id

string

The four-letter code to identify this event.

payment_id

string

Identifier (pmt_id) for the payment into the cardholder account.

prn

string

SoFi Tech Solutions 12-digit payment reference number (PRN) for the account. Legacy field: pmt_ref_no.

prod_id

string

The product ID of the account.

prog_id

string

The program ID of the account.

prog_name

string

Program name associated with the account.

return_code

string

ACH or network return code. See ACH Return Codes for possible values.

type

string

The name of this event: "ach_credit_return"