Large Gains in Same Day ACH Help Drive ACH Network in Second Quarter of 2026

RESTON, Va.--(BUSINESS WIRE)--A nearly 30% jump in the number of Same Day ACH payments and a nearly 10% increase in business-to-business payments helped drive the ACH Network’s second quarter 2026 growth.

“The phenomenal growth of Same Day ACH demonstrates its value as a safe, fast payment method for consumers, businesses and other organizations.”

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For the quarter, volume on the ACH Network totaled 9.3 billion payments valued at $25.9 trillion, respective increases of 6.2% and 11.1% over the same period in 2025.

Same Day ACH handled 435.7 million payments in the second quarter, up 29.5%, while the value of those payments climbed 28.1% to $1.3 trillion.

In the first half of 2026, the ACH Network handled 18.2 billion payments worth nearly $50 trillion, up 5.5% and 10.2% respectively from the first half of last year. There were 838.7 million Same Day ACH payments valued at almost $2.4 trillion, respective increases of 26.6% and 27%.

“The phenomenal growth of Same Day ACH demonstrates its value as a safe, fast payment method for consumers, businesses and other organizations,” said Jane Larimer, Nacha President and CEO. “In 2027, the dollar limit will increase to $10 million, further strengthening Same Day ACH’s position in the market as a compelling faster payment method.”

Other second quarter highlights included a 9.9% increase in the B2B sector, with 2.2 billion payments, bringing first half B2B volume to 4.3 billion, up 10.3% from a year earlier. Internet-initiated payments by consumers topped the 3 billion mark for the first time in a quarter.

About Nacha

Nacha governs the thriving ACH Network, the payment system that drives safe, smart, and fast Direct Deposits and Direct Payments with the capability to reach all U.S. bank and credit union accounts. There were 35.2 billion ACH Network payments made in 2025, valued at $93 trillion. Through problem-solving and consensus-building among diverse payment industry stakeholders, Nacha advances innovation and interoperability in the payments system. Nacha develops rules and standards, provides industry solutions, and delivers education, accreditation, and advisory services.