NACHA Reports Strong ACH Volume Growth of Nearly 7 Percent in Q3 2018

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Same Day ACH Volume Grew 192 Percent Over Same Period Last Year

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The ACH Network is thriving. Governments, financial institutions, businesses and consumers are all reaping the benefits the ACH Network provides.

The number of ACH payments totaled more than 5.6 billion in the third quarter of 2018, a 6.7 percent increase over Q3 2017, according to NACHA. The ACH Network’s strong performance is driven in large part by online and business-to-business (B2B) payments.

More than 3.3 billion ACH debit and nearly 2.3 billion ACH credit payments were made in the third quarter of 2018. During this same period, B2B payments increased nearly 10 percent with over 896 million payments completed. Healthcare EFT payments, a healthcare industry standard for claim payments from insurers to providers, also increased by 10 percent to 77 million payments. In addition to B2B growth, online ACH payments increased by 14 percent and totaled 1.5 billion.

“The ACH Network is thriving,” said Jane Larimer, chief operating officer of NACHA. “Governments, financial institutions, businesses and consumers are all reaping the benefits the ACH Network provides.”

As the ACH Network’s growth accelerates, NACHA, its members, and the ACH Network operators continue to enhance the Network’s capabilities to meet the needs of businesses and consumers. Over the next two years, Same Day ACH will be expanded, with faster funds availability, a higher dollar limit, and later processing hours.

There were 43.2 million Same Day ACH payments made in the third quarter of 2018, an increase of 192 percent compared to the same time period in 2017, when Same Day ACH debits were just being introduced. Same Day ACH credits have been available since September, and increased by 90 percent in the third quarter of 2018.

“More people than ever are benefiting from Same Day ACH,” Larimer said. “With the enhancements to Same Day ACH, the ACH Network is delivering the capabilities requested by corporate end-users.”

NACHA is a nonprofit organization that 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, authors the Quest Operating Rules for EBT, and is the steward of the ACH Network, a payment system that universally connects all U.S. bank accounts and facilitates the movement of money and information. In 2017, there was a total of nearly 26 billion ACH transactions. Of these, 21.5 billion ACH payments valued at $47 trillion moved across the ACH Network, and more than 4 billion were on-us transactions within financial institutions. Visit for more information, and connect with us on LinkedIn, Twitter, Facebook and YouTube.

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Kendra Beasley
NACHA - The Electronic Payments Association
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