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Same-day automated clearing house payments continue to enjoy robust growth, totaling 336.4 million transactions during the second quarter, a 15% increase compared to a year earlier, says Nacha, the regulatory body for the automated clearing house network.
Same-day ACH dollar volume during the quarter totaled $980 billion, up 22%. Through the first half of 2025, there were 662.4 million payments valued at close to $1.9 trillion.
“The growth in same-day ACH is being driven by the increasing demand for faster, secure, and reliable payment options, especially for business payments, including [business-to-business],” a Nacha spokesperson says by email.
Among the benefits of same-day ACH transactions for businesses is improved cash flow and operating efficiencies. Businesses can leverage those benefits to speed payroll processing, cash concentration, tax payments, time-sensitive refunds and reimbursements, and invoice settlements, according to Nacha.
Time-sensitive payments are a big driver behind the volume growth, increasing 15.1% year-over-year in the second quarter. Businesses, for example, are using same-day ACH for just-in-time supplier payments, emergency payroll, insurance claims, and invoice settlements, according to Nacha.
Consumers are also turning to the faster-payment method, using it for online bill payment and account transfers. Those types of same-day transactions grew 5.8% year-over-year during the quarter. “Across industries, consumers are opting into ACH for recurring and one-off bill payments and account transfers. This trend reflects a broader shift toward convenience, predictability, and control in how people manage their personal finances,” the Nacha spokesperson says.
ACH network volume in the second quarter totaled 8.7 billion payments valued at $23.3 trillion, up 5% and 7.9% respectively, year-over-year. Driving ACH growth in general is the continued transition away from paper checks by businesses and consumers, Nacha says.
“More and more consumer bill payments are shifting to ACH, while more and more business payments are taking advantage of ACH,” says the Nacha spokesperson. “Underlying this is the growth of same-day ACH as an option for all domestic payments up to $1 million.”
Business-to-business ACH volume in the second quarter totaled more than 2 billion payments, a 10.6% increase from a year ago, with one category, claim payments to health-care providers, growing by 9.9% to 138.2 million payments. The growth in B2B ACH payments can be attributed to “the reliability and automation capabilities of the ACH network, as well as the network’s cost-effectiveness and fraud-prevention practices,’ according to Nacha.
“It is not surprising that the value of ACH transactions is growing. As more high-value transactions, particularly in the B2B space, migrate from paper checks to the ACH network, total dollar volumes are naturally increasing,” says the Nacha spokesperson. “B2B payments, including same-day B2B, offer the ability for better control for large-dollar disbursements, where paper checks come with delays, higher costs, and greater fraud risks.”
