NOC Events

NOC (Notice of Change) events are critical notifications within the GrailPay platform that inform you when an ACH transaction has encountered an issue requiring attention. NOCs are issued by banks or the ACH network to indicate problems such as incorrect account information, closed accounts, or other discrepancies that need to be resolved.

By handling NOC webhook events, your integration can receive real-time alerts whenever a NOC is received and processed by GrailPay, which we are required by Nacha compliance to do within six days of receiving them. Our system handles these account detail updates automatically, but if we encounter an issue, we will contact you to work together to make the change. For this reason, it is important to subscribe to the NOC webhooks to know when we’ve received and then processed NOCs.

All payloads below are shown in full, including the event envelope.

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noc.received

This webhook is triggered whenever a Notice of Change (NOC) has been received within the GrailPay system.

Event

{
  "event": "noc.received",
  "event_uuid": "019d072d-1203-7695-842b-a15567fbb0d8",
  "event_occurred_at": "2026-04-05 14:28:33",
  "event_version": 3,
  "vendor_uuid": "019e2711-5a92-735d-a7d5-669aec76b54f",
  "data": {
    "uuid": "98cd3aa4-9c46-439f-89b0-14c4f14bb628",
    "entity_uuid": "550e8400-e29b-41d4-a716-446655440000",
    "entity_type": "person",
    "bank_account_uuid": "6ba7b810-9dad-11d1-80b4-00c04fd430c8",
    "aggregator_type": "manual",
    "account_number": "1234567890",
    "routing_number": "021000021",
    "account_name": "John Doe",
    "account_type": "checking",
    "old_account_number": "9876543210",
    "old_routing_number": "987654321",
    "old_account_name": "John Doe",
    "old_account_type": "savings",
    "received_at": "2026-04-05 14:25:33"
  }
}

noc.processed

This webhook is triggered whenever a Notice of Change (NOC) has been processed within the GrailPay system.

Event

{
  "event": "noc.processed",
  "event_uuid": "019d072d-1203-7695-842b-a15567fbb0d8",
  "event_occurred_at": "2026-04-05 14:28:33",
  "event_version": 3,
  "vendor_uuid": "019e2711-5a92-735d-a7d5-669aec76b54f",
  "data": {
    "uuid": "98cd3aa4-9c46-439f-89b0-14c4f14bb628",
    "entity_uuid": "550e8400-e29b-41d4-a716-446655440000",
    "entity_type": "person",
    "bank_account_uuid": "6ba7b810-9dad-11d1-80b4-00c04fd430c8",
    "aggregator_type": "manual",
    "account_number": "1234567890",
    "routing_number": "021000021",
    "account_name": "John Doe",
    "account_type": "checking",
    "old_account_number": "9876543210",
    "old_routing_number": "987654321",
    "old_account_name": "John Doe",
    "old_account_type": "savings",
    "received_at": "2026-04-05 14:25:33",
    "processed_at": "2026-04-05 15:25:33"
  }
}