Identify and Resolve Notices of Change (NOCs)
Not applicable for Canadian Dynamic Payout merchants.
Did any of your sub-merchants bank accounts change?
Review the daily SSR report, NOC Report by ACH Return Date to determine if any bank account or other information changed. If you discover changes, make the necessary adjustments to your records for use with future funding instructions.
Notices of Change (NOCs) are account update notices sent automatically through the ACH network by receiving banks to advise that account data sent in the original transaction is either incorrect or has been changed. Per NACHA rules, you are required to update the account information on your systems within six (6) banking days or prior to sending subsequent transactions for the same account, whichever is later.
There are situations where a funding instruction can succeed, but a NOC is also issued. Depending upon the reason for the NOC, the receiving bank could accept the funding instruction and issue a NOC so you can correct your records for future instructions.
See Table B-2, "ACH NOC Change Codes" in the Worldpay eCommerce iQ Reporting and Analytics User Guide for additional information. The daily NOC SSR report include these codes, as does the Transaction Detail and the Funding Instruction Detail screens in iQ.