ODGP: overdraft_start_grace_period

webhook

overdraft_start_grace_period

A transaction met or exceeded the overdraft transaction-level de minimis, and a grace-period timer started. The timestamp field indicates the start of the grace period. If there is an overdraft fee, the account holder can move funds into the account to pay the full amount of the overdraft during the grace period, and the overdraft fee is eliminated.

Trigger — A transaction meets or exceeds the overdraft transaction-level de minimis and an overdraft fee may apply, starting the grace period timer.
Processes — These processes contain the event trigger:
- Authorization request over a card network's rails

Payload

auth_id

string

System-generated ID for the authorization request. This ID is unique only per subnetwork.

auth_ts

string

Timestamp of the original authorization. Format: YYYY-MM-DD hh:mm:ss MST

auth_uid

string

Unique identifier for an authorization and its subsequent transactions, if any.

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.

external_customer_id

string

Identifier used to associate multiple accounts under the same customer. This identifier is supplied by the provider, not SoFi Tech Solutions.

method

string

AccountEvent

msg_event_id

string

Unique system-generated identifier for this message.

msg_id

string

The four-letter code to identify this event.

od_amt

string

Overdraft amount authorized when a transaction exceeds the core account balance.

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.

trans_deminimis

string

Minimum overdraft amount to assess an overdraft fee. If od_amt meets or exceeds this, an overdraft fee may be assessed.

type

string

The name of this event: "overdraft_start_grace_period"