API Reference
Log into Sandbox

ACHR: ach_debit_fail

webhook
ach_debit_fail

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.

  • Trigger — You or Galileo deny the request, or the request fails.

  • Processes — These processes contain the event trigger:

    • SoFi Tech Solutions 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.
Payload
string

Amount of the transaction. Unsigned.

string

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

string

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

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.

string

User-supplied identifier to link to an external system.

string

Event category. Indicates the type of event.

string

Unique system-generated identifier for this message.

string

The four-letter code to identify this event.

string

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

string

The product ID of the account.

string

The program ID of the account.

string

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

string

Identifier for the source.

string

Third-party processor transaction identifier for ACH transactions.

string

The name of this event: "ach_debit_fail"

string

Identifies which automatic default action, if any, caused this return. Empty when the return was not caused by a default action. Example: "EXT_TRANS_API_REVIEW_TIMEOUT"

string

Timestamp when the default action was applied. Empty when the return was not caused by a default action. Example: "2025-03-17 14:06:50"

Updated 1 day ago

Did this page help you?
LoadingLoading…

Updated 1 day ago

Did this page help you?

© SoFi Technology Solutions, LLC 2026    Privacy Disclosure

All documentation, including but not limited to text, graphics, images, and any other content, are the exclusive property of SoFi Technology Solutions, LLC and are protected by copyright laws. These materials may not be reproduced, distributed, transmitted, displayed, or otherwise used without the prior written permission of SoFi Technology Solutions, LLC. Any unauthorized use or reproduction of these materials are expressly prohibited.