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Nacha creates broadly adopted payment and financial messaging rules and standards through consensus-led governance, international collaboration, and innovative development practices. We continually advance the ubiquitous ACH Network and engage diverse stakeholders to accelerate a digital future of global financial services interoperability.

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ACH Network Volume Grows 8.1% in Final Quarter of 2019

image of graph going up

HERNDON, Va., Jan. 22, 2020 – The ACH Network closed out 2019 with a strong final quarter featuring impressive growth across several areas, particularly Same Day ACH.

Fourth quarter ACH Network volume was 6.4 billion payments. That’s an increase of 482 million, or 8.1%, from the same time in 2018. There were 3.7 billion debits and 2.7 billion credits. The value of those payments was nearly $14.7 trillion, up 10.6% from a year earlier. 

Business-to-business (B2B) payments continued to show impressive strength in the quarter, recording 1 billion payments, up 12.6%. Direct Deposit notched a 7.6% increase, with 1.8 billion payments. 

“With this impressive performance in the fourth quarter, it’s evident that the modern ACH Network is thriving,” said Nacha President and CEO Jane Larimer.

The growth trajectory of Same Day ACH continued in the quarter as volume soared 39%, reaching 71.3 million payments. That breaks down to 41.3 million credits and 30 million debits. 

“The fourth quarter was the first full quarter in which the volume of Same Day ACH payments exceeded 1 million per day. We’re delighted to see the growing acceptance of Same Day ACH among businesses and consumers,” said Larimer. 

An infographic with fourth quarter results is available for download as a PDF.

image of fourth quarter 2019 ach network infographic