TL;DR
Get smart everyday buys delivered free with Prime
- Fast, free delivery on millions of items
- Prime Video, Amazon Music and more included
- Member-only deals all year
Same Day ACH processed 470.4 million payments worth $1.3 trillion in the third quarter of 2026, according to Nacha. Volume rose about 37% and value increased 32% from a year earlier, while the wider ACH Network grew more slowly by volume. Nacha linked the results to demand for faster payments, but did not provide a breakdown of what drove Same Day ACH growth.
Same Day ACH processed 470.4 million payments in the third quarter of 2026, up about 37% from a year earlier, as payment value rose 32% to $1.3 trillion, Nacha said Tuesday. The organization attributed the growth to demand for faster payments, highlighting a sharp increase in use of a faster option within the broader U.S. automated clearing house network.
The figures were included in a Nacha press release dated October 20 and reported by PYMNTS. Alongside the volume increase, the total value of Same Day ACH payments reached $1.3 trillion, a 32% year-over-year rise. Nacha did not provide a quarter-to-quarter comparison or a breakdown of the specific payment uses behind the Same Day ACH gains in the information reported.
The wider ACH Network also expanded, but at a slower rate by volume: it handled 9.3 billion payments in the quarter, up about 6% year over year, with total value of $25.6 trillion, up 10%. Business-to-business payment volume rose 9.7% to about 2.3 billion transactions. Nacha said organizations’ continued move away from checks contributed to B2B growth.
Among other transaction categories, the network recorded year-over-year volume growth of 15.9% in person-to-person payments, 7.5% in internet payments, 2.6% in healthcare payments and 2.5% in direct deposits. The reported counts were 141.7 million P2P payments, 3.1 billion internet payments, 144.4 million healthcare payments and 2.2 billion direct deposits. These categories describe the broader network and should not be read as a breakdown of Same Day ACH transactions.
Same-Day Transfers Gain Ground
The results point to rising use of a faster settlement option within a payment network that handles billions of transactions. Same Day ACH’s 37% volume growth outpaced the network’s roughly 6% overall increase in the quarter, indicating that the faster service expanded more quickly than ACH payments as a whole during this year-over-year comparison. The figures do not establish why individual users or businesses chose it.
For organizations that make or receive payments, the trend matters because payment timing can affect cash flow and how quickly funds reach recipients. Nacha President and CEO Jane Larimer said the figures show Same Day ACH’s role in meeting the country’s faster-payment needs. That is Nacha’s characterization of the results; the release did not include customer surveys or data quantifying how much demand, rather than other factors, drove the increase.
The network-wide totals also show the scale of ACH beyond same-day transactions. With $25.6 trillion in total quarterly payment value, changes in ACH use can matter across consumer, business and institutional payments. The source figures describe transaction volume and value, not service quality, processing costs, or the share of eligible payments that were sent same day.
secure Wi-Fi router for payment hardware
As an affiliate, we earn on qualifying purchases.
As an affiliate, we earn on qualifying purchases.
Same Day Within the ACH Network
Nacha governs the ACH Network, which its release says can reach all U.S. bank and credit union accounts. The network supports direct deposits and direct payments. Same Day ACH is one part of that broader system; the third-quarter figures distinguish its 470.4 million payments from the network’s full 9.3 billion transactions.
The latest report also comes as Nacha pursues other initiatives related to payments. In September, Nacha and its Payments Innovation Alliance launched the Next-Gen Currency Project Team to explore the use of digital assets, including stablecoins and tokenized deposits, in money movement. In August, Nacha named transaction-monitoring provider Flagright a Preferred Partner for ACH compliance, fraud monitoring and risk and fraud prevention. Those announcements provide organizational context but do not explain the third-quarter Same Day ACH growth.
business laptops for payment operations
As an affiliate, we earn on qualifying purchases.
As an affiliate, we earn on qualifying purchases.
Drivers Behind the Increase
Nacha attributed Same Day ACH’s gains to users’ need for faster payments, but the figures released do not quantify that demand or identify which user groups, industries or payment purposes contributed most. The report also does not specify how much of the increase reflects more frequent use by existing customers versus new adoption.
The information provided gives year-over-year comparisons for the third quarter, but no quarterly trend line, longer-term historical series, or comparison with other faster-payment services. It is also not clear from the reported figures whether the increase in payment value reflects more transactions, larger average payments, or a combination. Nacha’s numbers are reported by the organization; the source material does not describe an independent audit of them.
As an affiliate, we earn on qualifying purchases.
More Data Needed on Adoption
The next useful measure will be whether Same Day ACH’s growth continues in subsequent quarterly reports and how its volume and value compare with the broader network over time. Further detail on payment purpose, business and consumer use, and average transaction size would help clarify what is behind the latest totals. No additional Same Day ACH data release or specific reporting date was included in the source material.
Nacha’s September digital-assets project is a separate initiative focused on exploring stablecoins and tokenized deposits for money movement. It may lead to future announcements from the organization, but the material does not connect that work to the third-quarter ACH results. For now, the confirmed development is the reported 37% year-over-year rise in Same Day ACH volume and the associated 32% increase in value.
Same Day ACH payment processing device
As an affiliate, we earn on qualifying purchases.
As an affiliate, we earn on qualifying purchases.
Key Questions
How many Same Day ACH payments were made in the third quarter of 2026?
Nacha reported 470.4 million Same Day ACH payments in the quarter, about 37% more than in the same quarter a year earlier.
What was the value of those payments?
The total value reached $1.3 trillion, a 32% year-over-year increase, according to Nacha.
How did the overall ACH Network perform?
The network processed 9.3 billion payments, up about 6% year over year, with total value of $25.6 trillion, up 10%.
What does Nacha say drove Same Day ACH growth?
Nacha said Same Day ACH met user demand for faster payments. The figures released do not identify particular customer groups or quantify the contribution of different causes.
Does the report show why the payment value increased?
No. It reports a 32% rise in total value but does not say how much came from more transactions, larger average payments, or both.
Source: rss
Fall Picks
fall essentials
As an affiliate, we earn on qualifying purchases.
