ACH Network Volume and Value Statistics
Overall ACH Network Volume
Growing fast. Going strong.
Third Quarter 2024 Volume and Value
Same Day ACH volume soared 67.5% in the third quarter of 2024 with 355.2 million payments. Total third quarter ACH Network volume was 8.4 billion payments valued at $21.5 trillion, respective increases of 7.4% and 8.9% over a year earlier.
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ACH Network Growth Since 2014
ACH Payment Volume by Debits and Credits
ACH Network Growth Since 2014
Dollar Value of ACH Payments by Debits and Credits
ACH Network Growth Since 2014
Payment Volume by Type
ACH Network Growth Since 2014
Dollar Value of ACH Payments by Type
Annual Percentage Change of ACH Network Transactions
Annual Volume Growth
Annual Percentage Change of ACH Network Transactions
Annual Value Growth
Same Day ACH
Time is money.
Governments, businesses and people have embraced the ease and speed of Same Day ACH, leading to sharp growth over the past six years.
Rapid Growth of Same Day ACH Since Inception in 2016
Payment Volume of Same Day ACH
Rapid Growth of Same Day ACH Since Inception in 2016
Dollar Value of Same Day ACH
- Debits
- Credits
Direct Deposit
The most important payments increasingly rely on ACH.
From payroll to Social Security, tax refunds to retirement distributions, the ACH Network transferred more than 8 billion Direct Deposits in 2023.
Americans Continued to Rely on Direct Deposit in 2023
Payment Volume of Direct Deposit Payments
Value of Direct Deposit Payments Continued to Grow in 2023
Dollar Value of Direct Deposit Payments
- Government
- Commercial
Consumer Bill Payments
More and more bills are paid with ACH.
This category also includes all consumer purchases and account-to-account transfers, including internet payments—the fastest growing payment channel among consumers.
Consumer Bill Payments & Other Consumer Debits Using ACH Continue to Climb
Payment Volume of Consumer Bill Payments
Value of Bill Payments & Other Consumer Debits Using ACH Continue to Increase
Dollar Value of Consumer Bill Payments
Internet Payments
As the web grows, so does the ACH Network.
As more and more payments are made online, internet transactions have become the ACH Network’s fastest growing segment.
More Internet Payments Made With ACH
Internet Payments by Volume
Value of Internet Payments Made with ACH Continues to Climb
Internet Payments by Dollar Value
Person-to-Person
Directly connecting people and money.
More and more payments among consumers are relying on the ACH Network to provide a seamless way to transfer money.
Person-to-Person ACH Payments on the Rise
P2P Payments by Volume
Value of Person-to-Person ACH Payments Continues to Climb
P2P Payments by Dollar Value
Business-to-Business
Helping business get done.
Companies of all sizes have long relied on the rock-solid ACH Network to receive payments and pay vendors/suppliers, leading to strong year-over-year growth.
More Business-to-Business Payments Using ACH
B2B Payments by Volume
Value of Business-to Business Payments Using ACH is Growing
B2B Payments by Dollar Value
Same Day Business-to-Business
Meeting businesses’ faster payments needs.
Large, small and medium-sized businesses need to send and receive payments in a matter of hours. Same Day ACH is meeting these demands, with use-cases including emergency payroll and merchant settlement.
Business-to-Business, Same Day ACH Payments Growing
Payment Volume of B2B Same Day Payments
Value of Business-to-Business, Same Day ACH Payments Dramatically Increasing
Dollar Value of B2B Same Day Payments
International
Payments beyond borders.
In a globalized economy, payment networks must keep pace.
International ACH Payments, a Valued Option
Payment Volume of International Payments
Value of International Payments Made With ACH is Climbing
Dollar Value of International Payments
Healthcare
A healthy ACH Network makes payment processing less painful.
More Healthcare Claim Payments Made With ACH
Healthcare Payments by Volume
Value of Healthcare Claim Payments Made With ACH Growing
Healthcare Payments by Dollar Value
Top 50 ACH Originators and Receivers
Each year, Nacha releases its Top 50 rankings of financial institution originators and receivers of ACH payments. Past Top 50 data is available in zip files that can be downloaded in the Historical ACH Network Volume section below.
Historical ACH Network Volume
Each of the links below downloads a zip file containing information on ACH Network volume and value for that year. The files also contain an infographic for each quarter, an annual infographic and the Top 50 Originator and Receiver lists.
2023 ACH Network Volume Statistics
2022 ACH Network Volume Statistics
2021 ACH Network Volume Statistics
Media Inquiry
If you are a member of the media and would like additional information on ACH Network Volume or would like to arrange an interview, please contact Nacha Communications.