Payment Noc Update

Payment noc update webhook.

Definition

URL

https://<customerHost:Port>/webhook

Headers:

Field	Description
Content-Type	The Content-Type entity header is used to indicate the media type of the resource. Expected value is application/json.
x-api-key	f9be0d9e-6903-4862-8d69-5b2651426bf9

Example Request:

Bash

curl --location --request POST 'https://<customerHost:Port>/webhook' \\
--header 'Content-Type: application/json' \\
--header 'x-api-key: f9be0d9e-6903-4862-8d69-5b2651426bf9' \\
--data-raw '{
    "reference_number": "1625203888",
    "payment_id": "PREPY13906363",
    "event": "NOC_RECEIVED",
    "status": "SENT_TO_BANK",
    "timestamp": "2026-06-03T11:27:35.753Z",
    "noc_details": {
        "noc_code": "C07",
        "normalized_reason": "INCORRECT_ACCOUNT_DETAILS",
        "description": "Multiple beneficiary account details are incorrect.",
        "recommended_action": "Update all corrected fields before retrying the payment.",
        "corrected_fields": {
            "beneficiaryAccountNumber": "9876543210",
            "routingNumber": "021000021",
            "accountType": "2"
        }
    }
}'

Javascript

var settings = {
  "url": "https://<customerHost:Port>/webhook",
  "method": "POST",
  "timeout": 0,
  "headers": {
    "content-type": "application/json",
    "x-api-key": "f9be0d9e-6903-4862-8d69-5b2651426bf9"
  },
  "data": JSON.stringify({
    "reference_number": "1625203888",
    "payment_id": "PREPY13906363",
    "event": "NOC_RECEIVED",
    "status": "SENT_TO_BANK",
    "timestamp": "2026-06-03T11:27:35.753Z",
    "noc_details": {
        "noc_code": "C07",
        "normalized_reason": "INCORRECT_ACCOUNT_DETAILS",
        "description": "Multiple beneficiary account details are incorrect.",
        "recommended_action": "Update all corrected fields before retrying the payment.",
        "corrected_fields": {
            "beneficiaryAccountNumber": "9876543210",
            "routingNumber": "021000021",
            "accountType": "2"
        }
    }
  }),
};

$.ajax(settings).done(function (response) {
  console.log(response);
});

Request Body:

Fields	Description	Type
reference_number	Unique reference number for every payout sent by client.	String
payment_id	Unique Id for every payout generated by Nium.	String
event	Event name of the webhook. Here, it will be NOC_RECEIVED	String
status	Payment status values (IN_PROCESS, AWAITING_FUNDS, INFO_REQUESTED, COMPLIANCE_REJECTED, SENT_TO_BANK, PG_PROCESSING, PAID, RETURNED, REJECTED, CANCELLED)	String
timestamp	Date and time of status change.	String
noc_details.noc_code	The raw NACHA NOC code received from the ACH scheme (e.g., C01, C02).	String
noc_details.normalized_reason	Normalized NIUM reason code describing what changed (see NOC Code Mapping below).	String
noc_details.description	Human-readable description of the change and the recommended action for the client.	String
noc_details.recommended_action	Refer Recommended Actions section below.	String
noc_details.corrected_fields	The corrected value provided by the receiving bank (e.g., updated routing number or account number).	Object

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.