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Robust ACH Network Growth Continues in Fourth Quarter; Same Day ACH Volume Marks a Milestone

January 29, 2019 / Source: NACHA

Robust ACH Network Growth Continues in Fourth Quarter; Same Day ACH Volume Marks a Milestone



HERNDON, Va., Jan. 29, 2019 – ACH Network volume saw its biggest quarterly growth in more than a decade during the fourth quarter of 2018. Same Day ACH payments also passed a significant milestone.

More than 5.9 billion ACH payments were made in the final quarter of last year: 3.5 billion debits and 2.4 billion credits. That’s up 8.7 percent from the same time in 2017, and is the highest quarterly growth rate in 11 years.

Fourth quarter Same Day ACH volume was more than 51.3 million payments, marking the first time Same Day ACH payments surpassed the 50 million threshold. Same Day ACH volume increased 46 percent over the fourth quarter of 2017.

“The ACH Network is stronger than ever,” said NACHA Chief Operating Officer Jane Larimer. “There is robust growth across many ACH transaction types, and the numbers for Same Day ACH show it is being embraced by consumers, businesses and financial institutions.”

The fourth quarter saw overall ACH Network volume grow by nearly half a billion transactions compared to a year earlier. There were strong volume gains in several major transaction types, including an 11.5 percent increase in business-to-business (B2B) payments, to 930 million, a 14.5 percent rise in internet transactions, to 1.6 billion, and a nearly 47 percent jump in person-to-person (P2P) payments, to 37.9 million.

An infographic detailing fourth quarter ACH network volume is available for download.


NACHA is the steward of the ACH Network, an electronic payment system that safely and reliably moves tens of billions of payments annually. NACHA sets and enforces the NACHA Operating Rules and works to continuously enhance the ACH Network through innovation, education and advocacy. In 2017, the ACH Network moved 21.5 billion payments and more than $47 trillion over a wide range of transaction types, including Direct Deposit of salaries and benefits, bill payments, business-to-business (B2B) and person-to-person (P2P) payments, and claim payments to healthcare providers. As a nonprofit organization, NACHA convenes hundreds of diverse organizations to enhance and enable electronic payments and financial data exchange within the U.S. and across geographies. Through development of rules, standards, governance, education, advocacy, and in support of innovation, NACHA’s efforts benefit the providers and users of those systems. NACHA leads groups focused on API standardization and authors the Quest Operating Rules for EBT.