What is a Notice of Change (NOC)?

A Notice of Change Record (NOC) is a record received from a customer’s bank that indicates that a portion of the eCheck originally submitted has been changed to allow it to be successful. 

For example, if you paid out one of your merchants and they accidentally put the wrong routing number or bank account number, a NOC could be generated and the payout delivered to the merchant. 

The NOC informs the Payment Facilitator of what occurred and provides the necessary information to rectify the issue.