ACH Network Sees Strong Start to 2025; Volume and Value Increases for Both Standard and Same Day ACH

The ACH Network began 2025 with impressive gains in both standard and Same Day ACH during the first quarter.

ACH payment volume rose 4.2% to 8.5 billion. The value of those payments was $22.1 trillion, up $1.4 trillion, or 6.6%, from a year earlier.

Same Day ACH continued its growth trajectory, recording 326 million payments valued at $897 billion. Those represent increases of 19.1% and 24.8% respectively over the same time in 2024.

“As Same Day ACH nears moving one trillion dollars in a quarter, it is clear that this faster payment method is gaining acceptance across a range of use cases,” said Jane Larimer, Nacha President and CEO.

Business-to-business (B2B) payments continued robust growth. Following 2024’s growth of 11.6%, the volume of B2B payments on the ACH Network increased 9% in the first quarter to 1.9 billion. Of these, 125 million were healthcare claim payments from insurers to providers, an 8.1% increase.

Person-to-person (P2P) payments passed the 100 million mark in a quarter for the first time, with more than 109 million payments, a 20.4% increase.

“ACH continues to show remarkable growth, as consumers, businesses and other organizations recognize the value and convenience it provides,” said Larimer.

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 33.6 billion ACH Network payments made in 2024, valued at $86.2 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.

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