Go to ACH Returns and select New NOCs.
Notifications of Change, or NOCs, occur when a bank approves the current ACH transaction but notifies you that any subsequent ACH transactions for your customer must use the included updated information. If you receive an NOC in response to an ACH transaction, your merchant account will still be funded for the transaction amount. They are non-financial and do not contribute to ACH Return Rates.
Viewing the NOC Detail
While viewing the NOCs Lookup report, click a row in the table to view the NOC Detail. The NOC update information will be masked. To view the unmasked information, click the lock icon to the right.
Note: If you do not have access to the lock icon that allows access to the unmasked NOC data and would like access, please see the administrator for your account.
We do not store customer ACH payment information - No Further Action
If your business does not store tokens (customer payment information) internally, with Qualpay, or in any other software, then there is no further action that you need to take on NOCs. Qualpay will leave these NOCs marked "Incomplete" for your review. You may wish to notify your customers that they are using old bank account information.
We store customer ACH payment information on Qualpay - No Further Action
If your business stores its tokens (customer payment information) with Qualpay, then Qualpay will auto-update the stored token and mark the NOC as "Complete / Fulfilled by System". There is no further action required.
We store customer ACH payment information outside of Qualpay - Action Needed
If your business stores its tokens (customer payment information) outside Qualpay, you must view the unmasked NOC data and update your customer’s payment information within your chosen storage solution. If you send additional ACH transactions without updating the information in the NOC, the payments may fail, generate ACH Returns, or you may be fined for failing to make the requested updates in a timely manner.
After you have updated the NOC information in your non-Qualpay storage system, return to the Qualpay Merchant Manager and click the Mark Complete button.
NOC reason codes tell you what portion of your customer payment data needs to be updated:
- C01 / Incorrect bank account number
- C02 / Incorrect transit/routing number
- C03 / Incorrect transit/routing number and bank account number
- C04 / Bank account name change
- C05 / Incorrect payment code
- C06 / Incorrect bank account number and transit code
- C07 / Incorrect transit/routing number, bank account number, and payment code
NOCs for Internal Updates
Some NOCs will be auto-updated (marked "Complete / Fulfilled by System") even when you store your customer payment data outside Qualpay. These types of NOCs are related to the transaction information Qualpay sends to your customer's bank, not your customer's payment information.
They are marked "Complete / Fulfilled by System" because Qualpay auto-updates the information on file to send with your transaction. You do not need to take action on these types of NOCs.
The reason codes for Internal Update NOCs are:
- C09 / Incorrect individual ID number
- C10 / Incorrect company name
- C11 / Incorrect company identification
- C12 / Incorrect company name and company ID