ACH Returns and Notifications of Change (NOCs)

What happens when an ACH transfer fails?

Written By Will Squires ()

Updated at September 17th, 2021

ACH Returns are automatically sent back to the customer through the user interface. The returns contain return codes indicating the reason for failure and what will need to be corrected in order for the transaction to be successfully resubmitted. It is then the customer’s responsibility to make the necessary changes to the ACH transaction and resubmit.

Notifications of Change (NOCs) are sent back to the customers via the PayOps email. These documents contain information explaining that although the transaction was successfully processed, information will need to be changed for the beneficiary for the next transaction. Nothing is required of the customer at that moment, other than to commit that change for future transactions.