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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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The American Economy Runs on ACH, Says Mercator Advisory Group White Paper

HERNDON, Va., May 28, 2020 – The ACH Network is woven into the daily payment activity of American consumers, businesses and government, says a Mercator Advisory Group white paper published today titled, “The Expanding Role of ACH in the Era of Faster Payments.” The paper also highlights how – as payments become faster – ACH supports the future of the industry with Same Day ACH, while providing the money-movement infrastructure for many other payment products.

Nacha Reports ACH Network Growth of 7.1% in First Quarter 2020; Expects Slowdown Due to COVID-19

HERNDON, Va., April 9, 2020 – The ACH Network opened 2020 with a strong first quarter, as the number of payments rose 7.1% from a year earlier. The results were driven primarily through robust growth occurring prior to the slowdown of economic activity due to COVID-19.

“While ACH results for the entire first quarter are positive, the current coronavirus national emergency is already impacting payment system volumes, including the ACH,” said Jane Larimer, Nacha President and CEO. 

The Higher Dollar Limit for Same Day ACH is Here


Michael W. Kahn

Michael W. Kahn


The day on the calendar with the big circle around it is finally here. This Friday, March 20, 2020, the dollar amount allowable per Same Day ACH payment quadruples to $100,000.

As Nacha president and CEO Jane Larimer has said, “Same Day ACH is an important part of the modern ACH Network, and it is being embraced as the demand grows for faster payments.” And Larimer noted that the higher dollar limit “will make Same Day ACH even more attractive to consumers and to businesses of all sizes.”

There are many potential use cases for the $100,000 limit.

One avenue where Nacha forecasts sizeable growth is Same Day ACH for B2B transactions. While 91% of all ACH B2B payments currently qualify for Same Day ACH, Nacha estimates the new dollar limit will increase eligibility to 97%.

One B2B usage could be businesses asking that merchant funding for payment card transactions be directly deposited into their accounts using Same Day ACH. These payments can be higher than the previous $25,000 limit.

“For small and mid-sized businesses, getting the funding faster from the card payments they accept is very important for cash flow,” said Debbie Barr, Nacha Senior Director, ACH Network Rules Process & Communications. Money that comes in faster is money that can be more quickly used for expenses including bills and payroll.

The higher limit is also going to increase the number of reversals via Same Day ACH of erroneous forward transactions, which will be helpful to both Originating Depository Financial Institutions and their Originators.

Same Day ACH is big—moving 1 million payments a day with a daily total value of $1 billion in 2019. And as glad as we are to see the higher dollar limit finally arrive, make no mistake: Nacha is continuing enhancing Same Day ACH. The next calendar date to put a big circle around is March 19, 2021, when a third Same Day ACH window is added.

Visit Nacha’s Same Day ACH Resource Center for the latest guidance, news and other helpful information.