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ACH Network sees volume and value increases in 2025, Q4

1/30/26

The ACH Network showed gains in Same Day and standard ACH during 2025 and the fourth quarter, according to Nacha.

Highlights:

  • Full-year ACH Network volume totaled 35.2 billion payments in 2025, up nearly 5% over 2024, and the value of those payments reached $93 trillion, an increase of almost 8%.

  • In the fourth quarter, there were 9.1 billion ACH payments valued at $24.4 trillion, increases of 5.1% and 8.9% respectively over the last quarter of 2024.

  • December saw the ACH Network’s highest-ever monthly volume of 3.22 billion payments and the highest monthly volume of Same Day ACH payments of 172.1 million.

  • The ACH Network set an average daily volume record in November with 151 million payments per day.

  • There were 1.4 billion Same Day ACH payments valued at $3.9 trillion last year, increases of 16.7% and 21.4% from 2024.

  • Business-to-business volume grew almost 10% in 2025, with close to 8.1 billion B2B payments.

ICBA Resource: ICBA’s Automated Clearing House Policy offers community bankers a comprehensive solution for establishing a robust framework governing ACH transactions.

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