Remit Transaction NOC

This event is triggered when NIUM receives a Notification of Change (NOC) from the ACH scheme for a US payout. It delivers a structured webhook containing the normalized reason for the change, the corrected value, and a recommended action — so clients can update their beneficiary or bank details before the next payment attempt.

Header

Header	Value
Content-Type	application/json

Request Example

curl --location --request POST 'https://<customerHost:Port>/webhook' \
-H 'content-type: application/json' \
-d '{
  "template": "REMIT_TRANSACTION_NOC_WEBHOOK",
  "clientHashId": "ecc9841c-c0df-c6e4-86f4-b320180d9859",
  "customerHashId": "0f5a988e-c99a-4ce5-4ab7-b769e182de6f",
  "walletHashId": "f46lb211-6e23-99ba-6356-8gb9t6s76458",
  "systemReferenceNumber": "ZL1GX90938293",
  "externalId": "Custom1245",
  "beneficiaryAccountNumber": "xxxxxxxxxxxxxxxxxx4200",
  "beneficiaryBankName": "Chase Bank",
  "beneficiaryName": "John Smith",
  "billingAmount": "1000.00",
  "billingCurrency": "USD",
  "transactionAmount": "1000.00",
  "transactionCurrency": "USD",
  "exchangeRate": "1.000000000",
  "nocCode": "C02",
  "nocReasonCode": "ROUTING_NUMBER_CHANGED",
  "nocReasonDescription": "The routing/transit number for this account has changed. Update the routing number in your system using the correctedValue before initiating future payments to this beneficiary.",
  "correctedValue": "021000021",
  "tags": []
}'

Event Body

Field	Description	Type
template	Fixed value: REMIT_TRANSACTION_NOC_WEBHOOK	String
clientHashId	The unique client identifier generated and shared before API handshake.	UUID
customerHashId	The unique customer identifier generated on customer creation.	UUID
walletHashId	The unique wallet identifier generated with customer creation.	UUID
systemReferenceNumber	Unique system reference number generated by the platform for the affected transaction.	String
externalId	Unique identifier provided by the client to track requests or transactions.	String
beneficiaryAccountNumber	The bank account number of the beneficiary associated with the affected transaction.	String
beneficiaryBankName	The bank name of the beneficiary.	String
beneficiaryName	The name of the beneficiary.	String
billingAmount	The source amount of the affected transaction.	String
billingCurrency	The three-letter ISO-4217 currency code for the wallet balance.	String
transactionAmount	The destination amount of the affected transaction.	String
transactionCurrency	The three-letter ISO-4217 currency code for the transaction.	String
exchangeRate	Exchange rate from source to destination currency.	String
nocCode	The raw NACHA NOC code received from the ACH scheme (e.g., C01, C02).	String
nocReasonCode	Normalized NIUM reason code describing what changed (see NOC Code Mapping below).	String
nocReasonDescription	Human-readable description of the change and the recommended action for the client.	String
correctedValue	The corrected value provided by the receiving bank (e.g., updated routing number or account number).	String
tags	Custom key-value pairs assigned to the transaction (max 15 pairs).	Array

NOC Code Mapping

NACHA Code	NIUM Reason Code	Description
C01	ACCOUNT_NUMBER_UPDATED	The account number is incorrect. Update the beneficiary account number using correctedValue.
C02	ROUTING_NUMBER_CHANGED	The routing/transit number is incorrect. Update the routing number using correctedValue.
C03	ROUTING_AND_ACCOUNT_NUMBER_CHANGED	Both the routing number and account number are incorrect. Update both fields; correctedValue contains the corrected account number. Contact NIUM support for the updated routing number.
C04	BENEFICIARY_NAME_UPDATED	The individual name or company name does not match bank records. Update the beneficiary name using correctedValue.
C05	TRANSACTION_CODE_CHANGED	The transaction code (checking vs. savings) is incorrect. Update the account type using correctedValue.
C06	ACCOUNT_NUMBER_AND_TRANSACTION_CODE_CHANGED	Both the account number and transaction code are incorrect. Update both fields using correctedValue.
C07	ROUTING_ACCOUNT_AND_TRANSACTION_CODE_CHANGED	The routing number, account number, and transaction code are all incorrect. Update all three fields.

Recommended Actions

When you receive a REMIT_TRANSACTION_NOC_WEBHOOK:

1. Use systemReferenceNumber to identify the affected transaction.
2. Read nocReasonCode to determine which field needs updating.
3. Apply the correctedValue to the relevant beneficiary or bank detail in your system.
4. Re-initiate the payment with the updated details to avoid a return.

note

NOC events are informational — the original transaction is not automatically re-submitted. If no action is taken and a subsequent payment is sent with the same incorrect details, NIUM will return the transaction.