ACH Network Volume and Value Statistics

Each quarter Nacha releases the volume and value of transactions conducted on the ACH Network.

The economy moves through ACH

2021 Q3 Volume and Value

Payment volume on the modern ACH Network increased 7.7% in the third quarter of 2021, with 7.3 billion payments. The value of those payments was $18.1 trillion, up 13.8%.

Business-to-business (B2B) volume continued its strong growth. There were 1.4 billion B2B payments, an increase of 18.7% from the same time in 2020. 

Healthcare claim payments to medical and dental facilities and practices passed the 100 million mark with 109.4 million such payments, up 15.8%.

Q3 ACH Volume & Value Data  Q3 ACH Volume & Value Graphic

2nd Quarter

Volume on the ACH Network increased 9.9% in the second quarter of 2021, with 7.3 billion payments.

Q2 ACH Volume & Value Data  Q2 ACH Volume & Value Graphic

1st Quarter

The modern ACH Network saw volume soar in the first quarter of 2021. Volume reached 7.1 billion payments, which was an increase of 11.2% from the same period in 2020. 

Q1 ACH Volume & Value Data  Q1 ACH Volume & Value Graphic


Note: Historical ACH Volume and Value from 2020 and past years is available below.


 

 

Overall ACH Network Volume

Growing fast. Going strong.

More transactions are made with ACH than ever, as the ACH Network has seen growth in nearly every payment category year-over-year (YoY).

2020 Key Metrics
 

ACH Network Growth Since 2011

Payment Volume by Debits and Credits

ACH Network Growth Since 2011

Dollar Value of ACH Payments by Debits and Credits
Billions
Trillions
Payments
Dollars
  • Credits
  • Debits
2020 Key Metrics
YoY Growth:
Payments - 8.2%
Dollars - 10.8%
Total Payments:
26.79 billion
Debits:
15.18 billion
Credits:
11.61 billion
Total Dollars Transferred:
$61.86 trillion
2020 Key Metrics
 

ACH Network Growth Since 2011

Payment Volume by Type

ACH Network Growth Since 2011

Dollar Value of ACH Payments by Type
Billions
Trillions
Payments
Dollars
  • Other
  • Business to Business
  • Person to Person
  • Consumer Bill Payments and Other Debits
  • Direct Deposit
2020 Key Metrics
Business-to-Business:
4.42 billion payments
$41.74 trillion transferred
Person-to-Person:
217.61 million payments
$349.66 billion transferred
Consumer Bill Payments and Other Debits:
12.77 billion payments
$7.54 trillion transferred
Direct Deposit:
8.02 billion payments
$11.76 trillion transferred
2020 Key Metrics
 

Annual Percentage Increase of the ACH Network

By Payment Volume and Dollar Value
  • Annual Value Growth
  • Annual Volume Growth
2020 Key Metrics
Payment Volume YoY Growth:
8.2%
Dollar Value YoY Growth:
10.8%

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 five years.

2020 Key Metrics
 

Rapid Growth of Same Day ACH Since Its Inception in 2016

Payment Volume of Same Day ACH

Rapid Growth of Same Day ACH Since Its Inception in 2016

Dollar Value of Same Day ACH
Millions
Billions
Payments
Dollars
  • Debits
  • Credits
2020 Key Metrics
YoY Growth:
Payments - 38.6%
Dollars - 86.1%
Total Payments:
347.18 million
Debits:
168.65 million
Credits:
178.52 million
Total Dollars Transferred:
$460.13 billion

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 Direct Deposits in 2020 than ever before.

2020 Key Metrics
 

Strong 2020 Increase in the Use of Direct Deposit

Payment Volume of Direct Deposit Payments Since 2011

Strong 2020 Increase in the Use of Direct Deposit

Dollar Value of Direct Deposit Payments Since 2011
Billions
Trillions
Payments
Dollars
  • Government
  • Commercial
Key 2020 Metrics
YoY Growth:
Payments - 11.9%
Dollars - 12.5%
Total Payments:
8.02 billion
Commercial:
6.44 billion
Government:
1.58 billion
Total Dollars Transferred:
$11.76 trillion

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.

2020 Key Metrics
 

People Are Paying More of Their Bills With ACH

Payment Volume of Consumer Bills by Payment Channel

People Are Paying More of Their Bills With ACH

Dollar Value of Consumer Bill Payments by Payment Channel
Billions
Trillions
Payments
Dollars
  • Phone
  • Prearranged
  • Customer Initiated
  • Internet
Key 2020 Metrics
YoY Growth:
Payments - 8.3%
Dollars - 14.9%
Total Payments:
12.64 billion
Payments By Type:
Phone – 660.16 million
Prearranged – 4.21 billion
Customer Initiated – 132.23 million
Internet – 7.64 billion
Total Dollars Transferred:
$7.25 trillion

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.

2020 Key Metrics
 

More Internet Payments Are Being Made on the ACH Network

Internet Payments by Volume

More Internet Payments Are Being Made on the ACH Network

Internet Payments by Dollar Value
Billions
Trillions
Payments
Dollars
Key 2020 Metrics
YoY Growth:
Payments - 14.9%
Dollars - 13.0%
Total Payments:
7.70 billion
Total Dollars Transferred:
$3.75 trillion

Person-to-Person

Directly connecting people and money.

More and more people are relying on the ACH Network to provide a seamless way to transfer money between each other.

2020 Key Metrics
 

Person-to-Person ACH Payments Are on the Rise

P2P Payments by Volume

Person-to-Person ACH Payments Are on the Rise

P2P Payments by Dollar Value
Millions
Billions
Payments
Dollars
Key 2020 Metrics
YoY Growth:
Payments - 42.2%
Dollars - 38.8%
Total Payments:
217.61 million
Total Dollars Transferred:
$349.66 billion

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.

2020 Key Metrics
 

Businesses Increasingly Use ACH to Make Payments

B2B Payments by Volume

Businesses Increasingly Use ACH to Make Payments

B2B Payments by Dollar Value
Billions
Trillions
Payments
Dollars
2020 Key Metrics
YoY Growth:
Payments - 10.7%
Dollars - 9.9%
Total Payments:
4.42 billion
Total Dollars Transferred:
$41.74 trillion

International

Payments beyond borders.

In a globalized economy, payment networks must keep pace. The ACH Network saw strong growth in international transfers.

2020 Key Metrics
 

More International Payments Are Being Made With ACH

International Payments by Volume

More International Payments Are Being Made With ACH

International Payments by Dollar Value
Millions
Billions
Payments
Dollars
Key 2020 Metrics
YoY Growth:
Payments - 23.7%
Dollars - 10.5%
Total Payments:
121.72 million
Total Dollars Transferred:
$168.72 billion

Healthcare

A healthy ACH Network makes payment processing less painful.

2020 Key Metrics
 

More Healthcare Claim Payments Are Being Made With ACH

Healthcare Payments by Volume

More Healthcare Claim Payments Are Being Made With ACH

Healthcare Payments by Dollar Value
Millions
Trillions
Payments
Dollars
2020 Key Metrics
YoY Growth:
Payments - 5.5%
Dollars - 10%
Total Payments:
362 million
Total Dollars Transferred:
$1.87 trillion

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.

2020 Top 50 Rankings

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.

2020 ACH Network Volume Statistics 

2019 ACH Network Volume Statistics 

2018 ACH Network Volume Statistics

2017 ACH Network Volume Statistics

2016 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.

Contact Communications