ACH sets records in 2025

The ACH network charted record growth in 2025, in both transaction volume and dollars cleared. Nacha reported the network was used to move 35.2 billion payments, a 5 percent increase over 2024. The value of transactions cleared totaled $93 trillion, an 8 percent year-over-year increase.

ACH debits totaled 19.6 billion transactions valued at $31.7 trillion. Debits are commonly used for consumer-to-business payments, such as mortgage and other types of loan payments, utility payments and subscriptions and memberships (for example, gyms and streaming services).

There were 15.6 billion credit transactions last year totaling $61.3 trillion. Typical ACH credit transactions include direct deposit of payroll, vendor (business-to-business) payments, and person-to-person payments.

Same-day ACH records

December was the most active month – the ACH network carried 3.22 billion payments, including 172.1 million same-day payments.

In all, there were 1.4 billion same-day ACH payments valued at $3.9 trillion last year. That represents a 16.7 percent increase in volume compared to 2024 and a 21.4 percent year-over-year increase in the total value of payments transacted. An average 5.8 million same-day payments were sent each operating day in 2025; in December the daily average was the most active month with 7.8 million same-day payments per day.

In November, the ACH network set an average daily volume record of 151 million payments per day. The ACH operates Monday through Friday and shuts down for federal holidays.

"These impressive results and new records show that the modern ACH network is continuing to meet the needs of American consumers and businesses for safe, fast payments," Jane Larimer, Nacha president and CEO, said in a statement.

B2B drives growth

At 8.1 billion, B2B payments grew by nearly 10 percent in 2025. Healthcare claim payments from insurers to medical and dental services providers were a big driver of B2B activity. There were 548 million payments made to these businesses last year, up 7.3 percent over 2024.

"Both of these statistics point to businesses large and small turning their backs on checks, a trend that only continues to grow," Larimer said. "Whether it's a neighborhood dentist's office or a multinational corporation, no business should be sending or receiving checks in 2026." However, the reality is that many people do still use checks. According to the Association for Financial Professionals 2025 payments fraud and control survey, 75 percent of companies have no immediate plans to eliminate checks from their payment mix. This is despite the fact that 63 percent of companies surveyed were victims of check fraud in 2024.

Here's a breakdown of growth for some of the most common categories of ACH payments, as reported by Nacha:

• Internet payments were up 6.1 percent over 2024 to total 11.4 billion
• Direct deposit (the oldest ACH application) rose a modest 1.7 percent to total 8.7 billion
• P2P payments grew 19.8 percent over 2024 total 470 million last year
• Healthcare payments rose 7.3 percent to total 548 million in 2025

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