eCheck Notice of Change

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. All NOCs will include a code that indicates the necessary change. You are responsible for taking any appropriate action when an NOC is received.

You must make the necessary changes prior to originating the next eCheck transaction for the same customer. If you are using Recurring Billing be sure to update information in your subscription records.

Cybersource

maintains a database of all NOC entries. All submitted eCheck transactions are screened against this list. If the data is not corrected, you will receive an error when attempting to process a new transaction for the customer. Repeated attempts to submit an uncorrected transaction may result in a fine and sanctions from Nacha.

You may view Notifications of Change received for your eCheck transactions in the Business Center:

Click
Reports
in the left navigation.
Under Transaction Reports, click
Notification of Change
.
Select the Date Range and click
Search
to run the report.