When you send a payment through Settle, you might occasionally receive a message about a NOC notification. Here's a quick overview of what it means and what you need to know:
What is a NOC Notification?
A Notification of Change (NOC) is an update sent by a bank to let us know that a vendor's bank account information has changed. For example, a bank account number or routing number was updated.
This is simply a notification from the receiving bank. It does not indicate a payment failure or non-delivery of funds. Instead, this indicates that the receiving bank was able to identify the correct bank account and that future payments should be directed to the correct account.
Settle is required under NACHA rules to update account information after receiving a NOC. NACHA (the National Automated Clearing House Association) governs the ACH network, which handles electronic payments like direct deposits and bank transfers across the U.S.
This requirement applies to ACH payments — meaning any payments that are electronically sent directly from a U.S. bank account to a vendor’s bank account.
Do I need to do anything?
No action is needed from you.
Settle, as the originator for the payment, has already made the necessary update to your vendor’s account information to ensure future payments process correctly.
If you would like to take the additional step to confirm the updated bank account information with your vendor, you're more than welcome and encouraged to. Note that this isn't required.
Why does this happen?
Banks sometimes update account details behind the scenes, like after a merger or internal change. The NOC helps keep your payment information accurate without interrupting your transactions.