Notice of Change(NOC)

Notice of Change (NOC)

A Notification of Change (NOC) is an ACH notice from a customer’s bank indicating that an eCheck transaction included incorrect customer or payment information. The bank will correct the information, post the transaction to the customer’s bank account, and notify you that payment information needs to be updated.

You must make the necessary changes prior to originating the next eCheck transaction for the same customer. Authorize.net maintains a database of all NOC entries. All submitted eCheck transactions are screened against this list. If the data is not corrected, you receive an error when attempting to process a new transaction for the customer. Repeated attempts to submit an uncorrected transaction can result in a fine and possible sanctions from Nacha.