ACH Payment Notification of Change (NOC)

To review your NOC updates, go to Reports and select Notifications of Change.

The ACH Network provides the Notifications of Change, or NOCs, for ACH Payment transactions. The purpose of an NOC is to notify you that something about your customer's bank account has changed. For example, if your customer's bank routing number changes, you may receive an NOC. Usually, your transaction is accepted as-is; however, you are expected to correct the information for subsequent transactions.

If you use the Qualpay Customer Vault or Card Vault, we automatically update the stored card ID when we receive the NOC. The automated NOC update to the information ensures your card IDs are ready to use for any future transactions.

If you are not using the Qualpay Customer or Card Vaults, the NOC update information must be completed manually. Depending on your software setup, you must update your customer's ACH Payment information locally or in an external 3rd party software. 

NOC CodeDescription
C01
Corrected Account
C02
Corrected Routing
C03
Corrected Routing and Account
C04
Corrected Name
C05
Corrected Tran Code
C06
Corrected Account and Tran Code
C07
Corrected Routing, Account, and Tran Code
C08
Corrected Foreign Routing
C09
Corrected Individual ID Number
C10
Corrected Company Name
C11
Corrected Company ID
C12
Corrected Company Name and Company ID
C13
Addenda Format Error
C61
Misrouted Notification Of Change
C62
Incorrect Trace Number
C63
Incorrect Company Identification Number
C64
Incorrect Individual Identification Number
C65
Incorrectly formatted Corrected Data
C66
Incorrect Discretionary Data
C67
Routing Number not from Original Entry Detail Record
C68
DFI Account Number not from Original Entry Detail Record
C69
Incorrect Transaction Code