ACH Payment Statistics
Last updated: 2026-10-28 · 12 sourced statistics
ACH (Automated Clearing House) is the US bank-to-bank network behind direct deposit, bill payments and many business-to-business payments. Nacha, which governs the network, reported 35.2 billion ACH Network payments worth $93 trillion in 2025, up 4.9% by number and 7.9% by value. Growth continued in 2026: the third quarter brought 9.3 billion payments worth $25.6 trillion, with Same Day ACH up 36.7% by number. B2B payments are one of the fastest-growing parts of the network, reaching 8.08 billion payments in 2025. The Federal Reserve Payments Study, which also counts payments that never leave one bank, puts total US ACH at 39.7 billion payments worth $104.06 trillion in 2024. The figures below come straight from Nacha, the Federal Reserve Board and FedACH, with the period each one covers.
Key takeaways
- 35.2 billion ACH Network payments worth $93 trillion in 2025, up 4.9% and 7.9% (Nacha).
- Q3 2026: 9.3 billion payments worth $25.6 trillion, up 5.9% and 10.2% on Q3 2025 (Nacha).
- Same Day ACH: 1.45 billion payments worth $3.92 trillion in 2025, and 470.4 million in Q3 2026 alone, up 36.7% (Nacha).
- B2B ACH: 8.08 billion payments worth $63.11 trillion in 2025, up 9.9% by number (Nacha).
- FedACH processed 21.6 billion commercial items worth $47.1 trillion in 2025, an average of $2,182 each (Federal Reserve).
At a glance.
Every figure on this page in one table, each linked to its named source. Scroll down for the full context behind each number.
| Figure | What it measures | Source | Year |
|---|---|---|---|
| 35.2B | The ACH Network carried 35.2 billion payments in 2025, up nearly 4.9% from 2024, an average of about 141 million payments a day. | Nacha, ACH Network Volume and Value Statistics (full year 2025) | 2025 |
| $93T | Those 2025 ACH Network payments were worth $93 trillion, an increase of almost 8% (7.9%) on 2024. | Nacha, press release: Same Day ACH and Business-to-Business Payments Propel ACH Network Volume Growth in 2025 (January 28, 2026) | 2025 |
| 8.08B | Business-to-business ACH payments grew 9.9% to 8.08 billion in 2025, worth $63.11 trillion (up 8.4%). | Nacha, ACH Network Volume and Value Statistics (full year 2025) | 2025 |
| 1.45B | Same Day ACH carried 1.45 billion payments worth $3.92 trillion in 2025, up 16.7% by number and 21.4% by value. | Nacha, ACH Network Volume and Value Statistics (full year 2025) | 2025 |
| 151M/day | The ACH Network set an average daily volume record of 151 million payments per day in November 2025, and December 2025 was its highest-volume month ever at 3.22 billion payments. | Nacha, press release (January 28, 2026) | 2025 |
| 9.3B | In the third quarter of 2026 the ACH Network carried 9.3 billion payments worth $25.6 trillion, up 5.9% and 10.2% on Q3 2025. | Nacha, press release: Same Day ACH Growth Propels the ACH Network Forward in Third Quarter of 2026 (October 20, 2026) | 2026 |
| +36.7% | Same Day ACH carried 470.4 million payments in Q3 2026, up 36.7% year over year, worth $1.3 trillion (up from $970.4 billion). | Nacha, press release (October 20, 2026) | 2026 |
| 2.3B | B2B ACH payments rose 9.7% in Q3 2026 to nearly 2.3 billion. | Nacha, press release (October 20, 2026) | 2026 |
| 39.7B | Counting both network and on-us entries, US ACH payments totalled 39.7 billion worth $104.06 trillion in 2024. Of these, 33.5 billion ($86.18 trillion) crossed the network and 6.2 billion ($17.88 trillion) were on-us. | Federal Reserve Board, 2025 Federal Reserve Payments Study: National Payment Volumes, Top-Line Data (CY 2015-2024) | 2024 |
| 22.4B vs 17.3B | ACH debit transfers outnumbered credit transfers in 2024 (22.4 billion versus 17.3 billion), but credit transfers were larger on average ($3,881 versus $1,647) and carried more value ($67.26 trillion versus $36.80 trillion). | Federal Reserve Board, 2025 Federal Reserve Payments Study: Top-Line Data | 2024 |
| 3.3%/yr | ACH payment numbers grew 3.3% a year from 2021 to 2024, slower than the 8.8% a year from 2018 to 2021. | Federal Reserve Board, 2025 Federal Reserve Payments Study: Top-Line Data | 2024 |
| 21.6B | The Federal Reserve's FedACH service processed 21,585 million commercial ACH items worth $47.1 trillion in 2025, up 7.3% by volume and 10.8% by value, an average of $2,182 per item and 86.3 million items per business day. | Federal Reserve Board, Commercial Automated Clearinghouse Transactions Processed by the Federal Reserve: Annual Data | 2025 |
The statistics
The ACH Network carried 35.2 billion payments in 2025, up nearly 4.9% from 2024, an average of about 141 million payments a day.
Source:Nacha, ACH Network Volume and Value Statistics (full year 2025)2025
Those 2025 ACH Network payments were worth $93 trillion, an increase of almost 8% (7.9%) on 2024.
Business-to-business ACH payments grew 9.9% to 8.08 billion in 2025, worth $63.11 trillion (up 8.4%).
Source:Nacha, ACH Network Volume and Value Statistics (full year 2025)2025
Same Day ACH carried 1.45 billion payments worth $3.92 trillion in 2025, up 16.7% by number and 21.4% by value.
Source:Nacha, ACH Network Volume and Value Statistics (full year 2025)2025
The ACH Network set an average daily volume record of 151 million payments per day in November 2025, and December 2025 was its highest-volume month ever at 3.22 billion payments.
Source:Nacha, press release (January 28, 2026)2025
In the third quarter of 2026 the ACH Network carried 9.3 billion payments worth $25.6 trillion, up 5.9% and 10.2% on Q3 2025.
Same Day ACH carried 470.4 million payments in Q3 2026, up 36.7% year over year, worth $1.3 trillion (up from $970.4 billion).
Source:Nacha, press release (October 20, 2026)2026
B2B ACH payments rose 9.7% in Q3 2026 to nearly 2.3 billion.
Source:Nacha, press release (October 20, 2026)2026
Counting both network and on-us entries, US ACH payments totalled 39.7 billion worth $104.06 trillion in 2024. Of these, 33.5 billion ($86.18 trillion) crossed the network and 6.2 billion ($17.88 trillion) were on-us.
ACH debit transfers outnumbered credit transfers in 2024 (22.4 billion versus 17.3 billion), but credit transfers were larger on average ($3,881 versus $1,647) and carried more value ($67.26 trillion versus $36.80 trillion).
Source:Federal Reserve Board, 2025 Federal Reserve Payments Study: Top-Line Data2024
ACH payment numbers grew 3.3% a year from 2021 to 2024, slower than the 8.8% a year from 2018 to 2021.
Source:Federal Reserve Board, 2025 Federal Reserve Payments Study: Top-Line Data2024
The Federal Reserve's FedACH service processed 21,585 million commercial ACH items worth $47.1 trillion in 2025, up 7.3% by volume and 10.8% by value, an average of $2,182 per item and 86.3 million items per business day.
When these numbers don't apply
Aggregate statistics hide a lot. Read these caveats before quoting a figure as if it describes your specific situation.
- Nacha counts payments that move across the ACH Network between banks. The Federal Reserve Payments Study also counts 'on-us' ACH entries, where the sending and receiving accounts are at the same bank, so its 2024 total (39.7 billion) is higher than Nacha's network count.
- FedACH is the Federal Reserve's ACH operator service. Its figures are a subset of national ACH volume, not the whole network.
- Quarterly Nacha figures are not seasonally adjusted. Compare a quarter with the same quarter a year earlier, as Nacha does, rather than with the previous quarter.
- Value totals are dominated by large business and government payments. A high average value does not mean a typical small-business ACH invoice payment is large.
- These are US figures only. Other countries' bank transfer systems (for example SEPA in Europe or Faster Payments in the UK) are not included.
How we compiled this data
Reviewed on 2026-10-28. Annual and quarterly ACH Network figures were read on Nacha's own statistics page and its January 28, 2026 and October 20, 2026 press releases. National totals including on-us entries come from the Federal Reserve Board's 2025 Payments Study top-line table (2024 data, last updated July 1, 2026), and FedACH volumes from the Federal Reserve Board's commercial ACH annual data table. Each figure carries the period it describes. Earlier 2024 figures were replaced by 2025 and 2026 releases, and two claims were removed: a 'more than 7 billion B2B payments in 2024' figure not stated on the linked page and an undated direct deposit share.
We hand-collected each figure from its original publisher rather than recycling secondary round-ups, cross-checked the headline numbers against the source documents in 2026-10-28, and link every statistic to the report it came from so you can verify it yourself. Where a publisher issues annual updates, we cite the report edition and flag the year inline.
Frequently asked questions
How many ACH payments are made each year?
Nacha counted 35.2 billion ACH Network payments worth $93 trillion in 2025. The Federal Reserve Payments Study, which also counts on-us entries that stay within one bank, counted 39.7 billion ACH payments worth $104.06 trillion in 2024.
Why do Nacha and the Federal Reserve report different ACH totals?
They count different things. Nacha reports payments that travel across the ACH Network between banks. The Federal Reserve Payments Study adds on-us ACH entries, where both accounts are at the same bank: 6.2 billion payments worth $17.88 trillion in 2024.
How fast is Same Day ACH growing?
Same Day ACH carried 1.45 billion payments worth $3.92 trillion in 2025, up 16.7% by number. Growth sped up in 2026: Q3 2026 volume was 470.4 million payments, up 36.7% on Q3 2025.
How much B2B payment volume runs on ACH?
Nacha counted 8.08 billion business-to-business ACH payments worth $63.11 trillion in 2025, up 9.9% by number, and nearly 2.3 billion in Q3 2026, up 9.7%.
What is the average ACH payment amount?
It depends on the type. In the Federal Reserve Payments Study, ACH credit transfers averaged $3,881 in 2024 and ACH debit transfers $1,647. FedACH commercial items averaged $2,182 in 2025.
Put these figures to use
- Payments hub: Payment terms, reminders, late fees and payment links for getting invoices paid.
- Stripe vs PayPal invoicing fees: Worked US fees for $250, $1,500 and $10,000 invoices paid by card and by bank (ACH).
- Square vs Stripe invoicing: Card and bank payment fees compared on Square and Stripe invoices.
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