Same Day ACH per payment limit to increase to $10 Million. Read more.

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SAME DAY ACH

All the reach and capability you expect from the ACH Network, delivered at optimal speed. Send and receive ACH debit and credit payments within hours—on the same business day.

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Reliable. Versatile. Accessible.

Compatible with modern systems. Expandable for tomorrow's demands. Reaches nearly every bank and credit union account in the U.S. That's Same Day ACH: Always one step ahead.

1.4B

payments in 2025

$3.9T

worth of payments in 2025

16.7%

year-over-year volume growth

Same Day ACH

Powering How Payments Move, from A to Z

Read success stories about how Same Day ACH helps businesses, organizations, and consumers get work done.

money movement

Urgent Bill Pay, A2A Transfers

Credit, Debit

Consumers/Customers, Businesses/Employees

Flexibility is Why Plaid Leans In to Same Day ACH
improved cash flow

Urgent Bill Pay, Refunds/Reimbursements

Credit, Debit

Consumers/Customers, Businesses/Employees

CSG Forte Customers Like the Improved Cash Flow from Same Day ACH
Rapid Disaster Relief Payments

Claims/Relief

Credit

Consumers/Customers, Businesses/Employees

When Disasters Strike, Same Day ACH Gets Help Out Fast
digital wallet

A2A Transfers

Credit, Debit

Consumers/Customers, Businesses/Employees

Digital Wallet Funding is an Easy Click Using Same Day ACH
faster refunds

Refunds/Reimbursements

Credit

Consumers/Customers

Same Day ACH Gets Refunds Where They’re Going
faster consumer transfers

A2A Transfers

Credit, Debit

Consumers/Customers

Same Day ACH Delivers Faster Consumer Transfers
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A History of Innovation

Same Day ACH debuted in September 2016 for credits, with 1.3 million payments in its first six processing days. Debits were added in 2017, and by its fifth anniversary in September 2021, Same Day ACH had recorded a total of 1.2 billion payments.

Since its launch, Nacha and ACH Network stakeholders have continued to provide Same Day ACH enhancements, which have been key to its growth.

Credit Debit Total
2016
13M
Same Day ACH introduced for credit payments.
2017
75M
Same Day ACH enabled for debit payments.
2018
98M
79M
178M
Faster Funds Availability for Same Day ACH Credits.
2019
147M
102M
250M
Faster Funds Availability for Same Day ACH Credits.
2020
178.5M
168.7M
347M
Same Day ACH Dollar Limit per Transaction increased from $25,000 to $100,000.
2021
273.1M
330.7M
603M
Same Day ACH operating hours extended by 2 hours.
2022
322.7M
374.8M
697.5M
Same Day ACH Dollar Limit per Transaction increased from $100,000 to $1 million.
2023
416.2M
437.3
853.4
Growth in B2B, payroll, insurance claim payments, and account transfers.
2024
585.4M
654.6M
1.2B
Growth in B2B, payroll, insurance claim payments, and account transfers.
2025
626.4M
821.2M
1.4B
Growth in consumer internet payments.
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