Nacha reported on July 30, 2026 that the ACH Network handled 9.3 billion payments worth $25.9 trillion in the second quarter, up 6.2% in number and 11.1% in value from a year earlier. Same Day ACH grew fastest, with the number of payments up 29.5%.
What changed
- ACH payments, Q29.3 billion, +6.2% year on year; value $25.9 trillion, +11.1%
- Same Day ACH, Q2
337 million (Q2 2025)→ 435.7 million, +29.5%; value$980 billion→ $1.3 trillion, +28.1%- First half of 202618.2 billion payments worth nearly $50 trillion; 838.7 million Same Day ACH payments worth almost $2.4 trillion
- Consumer internet-initiated paymentsabove 3 billion in a quarter for the first time
- Business-to-business payments, Q22.2 billion, +9.9%
Sources: Nacha news release · Nacha Q2 2026 infographic · Checked on September 27, 2026
Why it matters
Same Day ACH lets an ACH payment settle on the day it is sent instead of the next business day, if the sender’s bank submits it in time and uses the service. Faster growth there means more payments, from bill pay to account-to-account transfers, can arrive the same day. Nacha’s CEO said in the release that the Same Day ACH dollar limit will rise to $10 million in 2027.
Whether your own transfer goes as Same Day ACH is your bank’s or the payer’s choice; the network figures do not tell you how a given bank sends.
What to do
- Ask whether a transfer will be sent as Same Day ACH and what the bank’s cutoff is. See how long ACH takes.
- For large or urgent payments, compare the options in ACH vs wire transfer.
