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 Q2 Volume and Value
The modern ACH Network saw volume soar in the second quarter of 2021, with particularly strong growth in business-to-business (B2B) payments.
Quarterly volume was of 7.3 billion payments with 655 million more payments than the same period in 2020. The value of those payments was $18.4 trillion, reflecting a nearly 25% increase from a year earlier.
While the Business-to-Business segment was growing before the pandemic, the transformation of business payments from paper has greatly accelerated over the past year, resulting in an increase of nearly 29%, to 1.3 billion payments in the second quarter.
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).
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
- Credits
- Debits
ACH Network Growth Since 2011
Payment Volume by Type
ACH Network Growth Since 2011
Dollar Value of ACH Payments by Type
- Other
- Business to Business
- Person to Person
- Consumer Bill Payments and Other Debits
- Direct Deposit
Annual Percentage Increase of the ACH Network
By Payment Volume and Dollar Value
- Annual Value Growth
- Annual Volume 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 five years.
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
- 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 Direct Deposits in 2020 than ever before.
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
- 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.
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
- Phone
- Prearranged
- Customer Initiated
- Internet
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 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
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.
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
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.
Businesses Increasingly Use ACH to Make Payments
B2B Payments by Volume
Businesses Increasingly Use ACH to Make Payments
B2B Payments by Dollar Value
International
Payments beyond borders.
In a globalized economy, payment networks must keep pace. The ACH Network saw strong growth in international transfers.
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
Healthcare
A healthy ACH Network makes payment processing less painful.
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
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.
2020 ACH Network Volume Statistics
2019 ACH Network Volume Statistics
2018 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.