Notification of Change (NOC)

What is a Notification of Change?

A Notification of Change (NOC) is an alert used to notify the sender of an ACH payment to update details related to a customer’s bank account that have changed or are incorrect. NOCs are created by the Receiving Depository Financial Institution (RDFI) and sent to the Originating Depository Financial Institution (ODFI). NOCs help ensure that future transactions are processed accurately without any disruptions.

Orum's NOC Process

Orum automates the NOC process so you receive them directly via webhook. We relay the following information to you via the transfer response body:

• The Nacha correction code
• Detail of what needs to be changed
• Detail of what the new value needs to be

When a NOC is received, the transfer_updated webhook event is sent.

Note: There is be no change in transfer status, as a NOC can exist on a transfer of any status and will not trigger the transfer to fail.

Examples

In the event that a NOC occurs, the transfer response body will look like this:

   "destination": {
          "reason_code": "notification_of_change_1",
          "reason_code_message": "Incorrect Account Number",
          "network_reason_code": "CO1",
          "network_reason_code_message": "Updated Info: 123456790",
          "network_reason_code_rail_type": "ach"
        }

The Automated NOC will be conveyed via the existing parameters and corresponding details:

If a NOC occurs on a transfer that has also incurred a return, Orum will notify you of both events. In this case, a separate transfer_updated webhook will be sent for each event, but the events will always look like this:

"destination": {  
          "reason_code": "string",  
          "reason_code_message": "string",  
          "network_reason_code": "string",  
          "network_reason_code_message": "string",  
          "network_reason_code_rail_type": "string"

Common NOC Reponses