B2B Payments Statistics
Last updated: June 2026 · 8 sourced statistics
Business-to-business payments dwarf consumer payments in value but lag them badly in modernization. Paper checks still carry a meaningful share of US B2B volume, while ACH continues double-digit growth and real-time rails are starting to make a dent. These statistics are drawn from Nacha, McKinsey, AFP, and Atradius.
Key takeaways
- The ACH network moved $86.2 trillion across 33.6 billion payments in 2024 (Nacha).
- Global payments industry revenue reached about $2.4 trillion in 2023 (McKinsey).
- 79% of organizations experienced attempted or actual payments fraud in 2024 (AFP).
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 |
|---|---|---|---|
| $86.2T | The US ACH network processed 33.6 billion payments worth $86.2 trillion in 2024 — volume up 6.7% and value up 7.6% year over year. | Nacha ACH Network Statistics | 2024 |
| $2.4T | Global payments industry revenue reached roughly $2.4 trillion in 2023, per McKinsey's Global Payments Report. | McKinsey Global Payments Report | 2024 |
| 7B+ | B2B ACH payments topped 7 billion transactions in 2024, continuing years of double-digit growth as businesses move off checks (Nacha). | Nacha | 2024 |
| ~33% | About a third of US and Canadian B2B payments were still made by paper check in AFP's most recent electronic payments survey. | AFP Electronic Payments Survey | 2022 |
| 79% | 79% of organizations were victims of attempted or actual payments fraud in 2024, according to the 2025 AFP Payments Fraud and Control Survey. | AFP Payments Fraud and Control Survey | 2025 |
| 40% | 40% of North American B2B invoice value was overdue in 2025, per Atradius' Payment Practices Barometer. | Atradius Payment Practices Barometer, North America | 2025 |
| 266B | Real-time payment schemes processed 266.2 billion transactions globally in 2023, up 42.2% year over year (ACI Worldwide). | ACI Worldwide, Prime Time for Real-Time | 2024 |
| $100T+ | Mastercard has estimated global B2B payment flows at well over $100 trillion annually — several times the size of consumer payments. | Mastercard | 2023 |
The statistics
The US ACH network processed 33.6 billion payments worth $86.2 trillion in 2024 — volume up 6.7% and value up 7.6% year over year.
Source:Nacha ACH Network Statistics2024
Global payments industry revenue reached roughly $2.4 trillion in 2023, per McKinsey's Global Payments Report.
Source:McKinsey Global Payments Report2024
B2B ACH payments topped 7 billion transactions in 2024, continuing years of double-digit growth as businesses move off checks (Nacha).
Source:Nacha2024
About a third of US and Canadian B2B payments were still made by paper check in AFP's most recent electronic payments survey.
Source:AFP Electronic Payments Survey2022
79% of organizations were victims of attempted or actual payments fraud in 2024, according to the 2025 AFP Payments Fraud and Control Survey.
Source:AFP Payments Fraud and Control Survey2025
40% of North American B2B invoice value was overdue in 2025, per Atradius' Payment Practices Barometer.
Source:Atradius Payment Practices Barometer, North America2025
Real-time payment schemes processed 266.2 billion transactions globally in 2023, up 42.2% year over year (ACI Worldwide).
Source:ACI Worldwide, Prime Time for Real-Time2024
Mastercard has estimated global B2B payment flows at well over $100 trillion annually — several times the size of consumer payments.
Source:Mastercard2023
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.
- ACH totals mix consumer and B2B flows — Nacha reports B2B as a subset (7B+ payments), not the whole $86.2T.
- 'Global B2B payment flows' estimates above $100T vary widely by source because they double-count intermediated transactions differently.
- Check-share figures come from AFP's survey of treasury professionals, skewed toward larger organizations — small-business check use differs.
How we compiled this data
Compiled June 2026 from Nacha network statistics, McKinsey's Global Payments Report, AFP surveys, Atradius' Payment Practices Barometer, and ACI Worldwide's real-time payments research. Each figure links to the publisher; check the linked page for newer editions.
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 June 2026, 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 large is the B2B payments market?
Estimates from card networks and consultancies put global B2B payment flows above $100 trillion annually. The US ACH network alone moved $86.2 trillion in 2024, much of it B2B.
Do businesses still pay by check?
Yes — AFP survey data shows roughly a third of US/Canada B2B payments were still made by check in recent years, though the share falls every survey cycle.
What's the fastest-growing B2B payment method?
Real-time payments are growing fastest in percentage terms (42% globally in 2023 per ACI), while Same Day ACH grew 45% in 2024 from a much larger base (Nacha).
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