B2B payments on ACH network increase 10% in Q3

Business-to-business ACH volume was nearly 2.1 billion payments in the third quarter, an increase of 10% from the same time last year, according to Nacha.

Details:

• The value of those payments was $16 trillion, up 8.8%, and accounted for 69% of total ACH Network payments value in the third quarter.

• Among those B2B payments, $585 billion were made using Same Day ACH, up 15% from 2024’s third quarter.

• ACH Network overall third-quarter volume was 8.8 billion payments valued at $23.2 trillion, increases of 5.2% and 8.2% respectively from a year earlier.

• Through the third quarter, Same Day ACH volume is up 9.2% for the year, and the value of those payments has increased 16.7%.

• September’s Same Day ACH volume was more than 120 million payments, the highest monthly volume in 2025 and an increase of over 20% compared to September 2024.

Safer Method: Nacha noted that the use of checks in B2B payments has declined steeply from 81% of B2B payments in 2004 to just 26% in 2024. “ACH is safer than a check in the mail, and it’s also faster, whether using Same Day ACH or standard,” it said.

Check Fraud Resources: Amid the dramatic rise in check fraud, ICBA continues to encourage community banks to use:

• The Treasury Department’s Treasury Check Verification System to catch canceled, duplicate, or other problematic Treasury checks at the time of presentment.

• Nacha’s ACH Contact Registry, which includes thousands of check contacts.

• ICBA’s customizable news release via ICBA’s Marketing Resource Center and check fraud prevention flyer to distribute to customers.

• Community banker resources on the ICBA website, including ICBA guides on check fraud and online fraud courses.

• ICBA Community’s Fraud subgroup, which includes more than 1,100 members dedicated to discussing fraud.

• ICBA’s Solutions Directory to identify payments, compliance, and security service providers dedicated to community banks.