ACH Network Volume and Value Statistics

The number of payments and value conducted on the ACH Network.
ACH Network

 

Overall ACH Network Volume

Growing fast. Going strong.

2023 Volume and Value

Led by strong growth in Same Day ACH and business-to-business (B2B) payments, the ACH Network securely handled 31.5 billion payments valued at $80.1 trillion in 2023. Payment volume for the year was up 4.8% from 2022 while payment value grew 4.4%. 2023 marked the 11th consecutive year in which ACH Network value has increased by more than $1 trillion.

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2023 Key Metrics
 

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
Billions
Trillions
Payments
Dollars
2023 Key Metrics
YoY Growth:
Payments: 4.8%
Dollars: 4.4%
Total Payments:
31.45 billion
Debits:
17.74 billion
Credits:
13.71 billion
Total Dollars Transferred:
$80.1 trillion
2023 Key Metrics
 

ACH Network Growth Since 2014

Payment Volume by Type

ACH Network Growth Since 2014

Dollar Value of ACH Payments by Type
Billions
Trillions
Payments
Dollars
2023 Key Metrics
Business-to-Business:
6.59 billion payments
$54.20 trillion transferred
Person-to-Person:
329.79 million payments
$570.39 billion transferred
Consumer Bill Payments and Other Debits:
14.53 billion payments
$9.70 trillion transferred
Direct Deposit:
8.29 billion payments
$14.68 trillion transferred
2023 Key Metrics
 

Annual Percentage Change of ACH Network Transactions

Annual Volume Growth

Annual Percentage Change of ACH Network Transactions

Annual Value Growth
Payments
Dollars
2023 Key Metrics
Compounded Annual Gain - 2014-2023:​
Volume: 5.57%
Value: 7.18%​
Overall Gain - 2014-2023:​
Volume: 71.88%
Value: 100.13%​

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.

2023 Key Metrics
 

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
Millions
 
Payments
Dollars
  • Debits
  • Credits
2023 Key Metrics
YoY Growth:
Payments: 22.3%
Value: 41.2%
Total Payments:
853.43 million
Debits:
437.26 million
Credits:
416.17 million
Total Dollars Transferred:
$2.43 trillion

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.

2023 Key Metrics
 

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
Billions
Trillions
Payments
Dollars
  • Government
  • Commercial
Key 2023 Metrics
YoY Change:
Payments: 3.3%
Dollars: 7.4%
Total Payments:
8.29 billion
Commercial:
6.92 billion
Government:
1.37 billion
Total Dollars Transferred:
$14.68 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.

2023 Key Metrics
 

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
Billions
Trillions
Payments
Dollars
2023 Key Metrics
YoY Growth:
Payments: 4.1%
Dollars: 6.9%
Total Payments:
14.43 billion
Payments By Type:
Phone: 770.36 million
Prearranged: 4.51 billion
Customer Initiated: 97.66 million
Internet: 9.86 billion
Total Dollars Transferred:
$9.42 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.

2023 Key Metrics
 

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
Billions
Trillions
Payments
Dollars
2023 Key Metrics
YoY Growth:
Payments: 5.7%
Dollars: 9.4%
Total Payments:
9.92 billion
Total Dollars Transferred:
$5.75 trillion

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.

2023 Key Metrics
 

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
Millions
Billions
Payments
Dollars
2023 Key Metrics
YoY Growth:
Payments: 11.9%
Dollars: 27.2%
Total Payments:
329.79 million
Total Dollars Transferred:
$570.39 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.

2023 Key Metrics
 

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
Billions
Trillions
Payments
Dollars
2023 Key Metrics
YoY Growth:
Payments: 10.8%
Dollars: 3.2%
Total Payments:
6.59 billion
Total Dollars Transferred:
$54.20 trillion

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.

2023 Key Metrics
 

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
Millions
Trillions
Payments
Dollars
2023 Key Metrics
YoY Growth:
Payments: 50.7%
Dollars: 59.6%
Total Payments:
260.95 million
Total Dollars Transferred:
$1.38 Trillion

International

Payments beyond borders.

In a globalized economy, payment networks must keep pace.

2023 Key Metrics
 

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
Millions
Billions
Payments
Dollars
2023 Key Metrics
YoY Change:
Payments: 8.4%
Dollars: 0.3%
Total Payments:
122.06 million
Total Dollars Transferred:
$248.36 billion

Healthcare

A healthy ACH Network makes payment processing less painful.

2023 Key Metrics
 

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
Millions
 
Payments
Dollars
2023 Key Metrics
YoY Growth:
Payments: 7.6%
Dollars: 12.8%
Total Payments:
487.55 million
Total Dollars Transferred:
$2.38 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.

2022 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.

2023 ACH Network Volume Statistics 

2022 ACH Network Volume Statistics 

2021 ACH Network Volume Statistics 

2020 ACH Network Volume Statistics 

2019 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.

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