Nacha’s latest figures indicate a sustained shift among businesses and organizations in the United States, moving their business-to-business (B2B) payments away from traditional checks and towards the Automated Clearing House (ACH) Network. This trend reflects an industry-wide move towards more efficient and secure payment methods.
For the third quarter, overall B2B payment volume on the ACH Network reached nearly 2.1 billion payments, marking a 10% increase compared to the third quarter of 2024. The total value of these payments rose by 8.8% to $16 trillion, representing 69% of the total ACH Network payments value for the quarter. Within this B2B segment, Same Day ACH facilitated $585 billion in payments, an increase of 15% from the third quarter of 2024.
Jane Larimer, Nacha President and CEO, commented on the shift, stating, “The switch by businesses from checks to ACH is being made for good reasons. ACH is safer than a check in the mail, and it’s also faster, whether using Same Day ACH or standard.”
These findings align with data from the Association for Financial Professionals’ (AFP) most recent Digital Payments Survey, conducted in September. The survey highlighted a steep decline in the use of checks for B2B payments, dropping from 81% of all B2B payments in 2004 to just 26% in 2024.
Across the entire ACH Network, the third quarter saw a total volume of 8.8 billion payments, valued at $23.2 trillion. These figures represent increases of 5.2% and 8.2% respectively from a year earlier. Year-to-date through the third quarter, Same Day ACH volume has increased by 9.2%, with the value of these payments rising by 16.7%. September alone recorded over 120 million Same Day ACH payments, marking the highest monthly volume in 2025 and an increase of more than 20% compared to September 2024.
Nacha is the organization responsible for governing the ACH Network, which is a key payment system in the U.
S. enabling safe and fast Direct Deposits and Direct Payments to all U.
S. bank and credit union accounts. In 2024, the ACH Network processed 33.6 billion payments valued at $86.2 trillion. Nacha works to advance innovation and interoperability within the payments system by developing rules and standards, offering industry solutions, and providing education, accreditation, and advisory services to payment industry stakeholders.
