Same Day ACH Payments Surge 23.6%, Reach $1.1 Trillion in Q1 2026
Summary
NACHA reported strong first-quarter 2026 ACH Network growth, with Same Day ACH payments reaching 403 million transactions valued at $1.1 trillion—representing a 23.6% volume increase and 22.1% value increase year-over-year. Business-to-business payments totaled nearly 2.1 billion, up 9.4%, while total ACH volume rose 4.8% to 8.9 billion payments valued at $24.1 trillion. NACHA CEO Jane Larimer highlighted that ACH payments continue displacing checks, with Same Day ACH meeting demand for faster payments.
What changed
This NACHA news release reports statistical growth data for the ACH Network in Q1 2026 rather than implementing new rules or obligations. Same Day ACH transaction volume grew 23.6% year-over-year to 403 million, while total Same Day ACH value reached $1.1 trillion for the second consecutive quarter.
For financial institutions and businesses using ACH payments, this data underscores the continued industry shift toward faster payment rails. Organizations still relying on check-based transactions should evaluate Same Day ACH adoption to remain competitive, particularly for B2B payment workflows where the 9.4% volume growth signals accelerating migration from paper-based methods.
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April 20, 2026
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RESTON, Virginia, April 20, 2026 – Double-digit growth in Same Day ACH volume and value helped propel the ACH Network to a strong start in the first quarter of 2026.
There were 403 million Same Day ACH payments, up 23.6% from the first quarter of 2025. Those payments were valued at $1.1 trillion, a 22.1% gain over a year ago, and the second straight quarter in which Same Day ACH value topped the $1 trillion mark.
Business-to-business (B2B) payment volume grew substantially, with nearly 2.1 billion made in the first quarter, up 9.4% from a year earlier.
“The strong growth in both Same Day ACH and B2B payments reflect the strength of the ACH Network,” said Jane Larimer, Nacha President and CEO. “ACH payments are moving the nation’s businesses away from checks, and Same Day ACH is helping to meet the demand for faster payments.”
Total ACH Network volume rose 4.8% to 8.9 billion payments; the value of those payments was $24.1 trillion, up 9.3%.
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 35.2 billion ACH Network payments made in 2025, valued at $93 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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