Same Day ACH

Same Day ACH is the faster payment method of the ACH Network, designed to enable payments to be sent and received at optimal speed within the same business day.

Same Day ACH payments can be used for a wide range of transactions, from paying bills to receiving payments of up to $1 million and can be processed in just a few hours. Unique to Same Day ACH among faster payment methods is the ability to reach virtually every bank and credit union account in the United States, making it a highly versatile and accessible payment method.

Nacha is proposing further expansion, aligning with the close of business in the Pacific time zone. This new window, proposed to take effect Sept. 19, 2026, would provide an additional 3¼ hours each processing day for initiating Same Day ACH payments (entries processed in this window on Friday nights would not settle until Sunday nights). Learn More.

Uses of Same Day ACH

Businesses, government entities and consumers across various industries use Same Day ACH for a multitude of purposes, including:

Urgent Bill Payments: Ideal for both B2B vendor and supplier payments, as well as C2B bills that are due or late.
Payroll: Perfect for same-day payroll for hourly and temporary workers, or for make-up payments, error correction, and missed deadlines (emergency payroll).
Insurance Claims and Disaster Assistance: Ensures timely disbursement of funds.
Refunds and Reimbursements: Provides quick refunds and other reimbursements.
Account Transfers: Facilitates same-day transfers between accounts (A2A).
Tax Payments: Simplifies and speeds up tax payments.
Merchant Settlement: Streamlines merchant settlements.
Cash Concentration: Enhances cash management.
Micro Entries for Account Validation: Useful for validating accounts with small transactions.

Same Day ACH Success Stories

To truly appreciate the impact of Same Day ACH, reading success stories is a great way to see real-world examples of ACH’s faster payment option. We invite you to take a closer look at some of the ways Same Day ACH is making a difference.

Learn More.

Same Day ACH Volume and Dollar Value Growth

In 2023, Same Day ACH payment volume increased significantly, with volume growing by 22.3% and dollar value by 41.2%, reaching 853.4 million payments worth $2.4 trillion. Same Day B2B payments alone grew nearly 51%. In 2024, the volume is expected to exceed 1 billion payments.

Access the Latest Quarterly Same Day ACH Statistics.

Nacha News on Same Day ACH

From podcasts to blogs and press releases, access all Nacha news content covering Same Day ACH.

Ready to experience the speed and efficiency of Same Day ACH?

Contact Nacha Consulting to learn more about how Same Day ACH can benefit your business and how to get started.

Same Day ACH History

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.

2016: Same Day ACH introduced for Credit Payments.
2017: Same Day ACH enabled for Debit Payments.
2018: Faster Funds Availability for Same Day ACH Credits.
2019: Faster Funds Availability for certain Same Day ACH Credits and non-Same Day credits.
2020: The Same Day ACH Dollar Limit per Transaction increased from $25,000 to $100,000.
2021: Same Day ACH operating hours extended by 2 hours.
2022: Same Day Dollar Limit per Transaction increased from $100,000 to $1 million.