ACH Network sees volume and value increases in 2025, Q4
January 30, 2026 / By ICBA
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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