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Same Day ACH processed 470.4 million payments worth $1.3 trillion in the third quarter of 2026, according to Nacha. That represents year-over-year growth of about 37% in volume and 32% in value; the organization linked the gains to demand for faster payments.
Same Day ACH volume increased about 37% year over year in the third quarter of 2026, reaching 470.4 million payments, while their combined value rose about 32% to $1.3 trillion, Nacha said Tuesday. The organization attributed the growth to users’ demand for faster payments, highlighting the expanding role of same-day settlement within the U.S. ACH Network.
The figures were disclosed in a Nacha press release on Oct. 20. Compared with the third quarter of 2025, Same Day ACH payment volume rose by about 37%, and the dollar value of those payments increased by about 32%. Nacha did not provide a more detailed breakdown in the supplied release of which users or transaction types contributed most to the Same Day ACH gains.
Growth extended across the broader network, though at a slower rate. The ACH Network processed 9.3 billion payments worth $25.6 trillion in the quarter, increases of about 6% in volume and 10% in value year over year, according to Nacha. Business-to-business payment volume rose 9.7% to about 2.3 billion payments; Nacha associated that growth with organizations continuing to move away from checks.
Nacha also reported year-over-year volume gains across several transaction categories: 15.9% for person-to-person payments, 7.5% for internet payments, 2.6% for healthcare and 2.5% for direct deposit. The organization’s infographic put those categories at 141.7 million P2P payments, 3.1 billion internet payments, 144.4 million healthcare payments and 2.2 billion direct deposits. The figures describe different parts of ACH activity and should not be read as a breakdown of Same Day ACH alone.
Same-Day Transfers Gain Ground
The quarter’s figures show Same Day ACH expanding faster than the ACH Network overall. Its 37% volume growth outpaced the network’s roughly 6% increase, suggesting that a growing share of payment activity is using the same-day option. The totals matter to businesses and consumers that depend on timely transfers, including payroll, bill payments and other transfers made through participating financial institutions. The release, however, does not specify how the payments were divided among those uses.
Faster availability can affect how organizations manage payments and cash flow, but the report gives no measure of delivery times, user satisfaction, costs or the share of eligible transactions sent through Same Day ACH. The reported growth is evidence of increased use, not by itself proof of what is driving every payment or what outcomes users received. Nacha’s explanation is that demand for faster payments is behind the rise.
The larger network figures also show that ACH remains a high-volume channel for moving money in the United States. Because the network handles far more payments than the Same Day ACH service alone, changes in overall ACH volume provide a different measure of activity from growth in the same-day option.
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How Same Day ACH Fits the Network
Nacha governs the ACH Network, which the organization says can reach accounts at U.S. banks and credit unions. The network supports direct deposits and direct payments, while Same Day ACH is the service whose payment count and value rose most sharply in the figures highlighted in the Oct. 20 announcement. The release describes the network’s reach and purpose but does not provide operational details about participating institutions or transaction eligibility.
The Q3 report follows other Nacha initiatives, but those developments are separate from the payment-volume data. In September, Nacha and its Payments Innovation Alliance launched the Next-Gen Currency Project Team to explore money movement involving assets such as stablecoins and tokenized deposits. In August, Nacha named transaction-monitoring provider Flagright a Preferred Partner for ACH compliance, fraud monitoring and risk and fraud prevention. Neither announcement establishes a cause of the third-quarter growth.
Drivers Behind the Increase
Nacha attributed the Same Day ACH gains to demand for faster payments, but the release does not quantify that demand or identify its sources. It also does not give a breakdown by payment purpose, business sector, financial institution or region, nor does it explain how much of the increase came from more transactions versus changes in users’ payment choices. The reported growth is year over year against the third quarter of 2025; no longer-term trend or comparison with other payment systems is included in the supplied figures.
The figures are Nacha’s reported totals. The material provided does not describe the calculation methodology, revisions, or whether the numbers are preliminary. It also does not say what portion of the $1.3 trillion in Same Day ACH value came from business-to-business transfers or other categories. Those details would be needed to assess the composition of the increase more precisely.
What Future Quarterly Data Can Show
The next useful milestone is Nacha’s reporting for a subsequent quarter, which can show whether Same Day ACH volume and value continue to grow and whether the broader ACH Network maintains its reported pace. Further category-level detail could clarify whether the same-day increase is concentrated in particular payment uses or reflects broader adoption.
Nacha has not announced in the supplied material a timetable for additional analysis of the third-quarter figures. For now, the confirmed development is the reported rise to 470.4 million Same Day ACH payments and $1.3 trillion in value; the reasons beyond Nacha’s stated faster-payment demand and the distribution of that activity remain unreported.
Key Questions
How much did Same Day ACH grow in the third quarter?
Nacha reported that Same Day ACH volume increased about 37% year over year in Q3 2026, reaching 470.4 million payments. The value of those payments rose about 32% to $1.3 trillion.
What did Nacha say was driving the increase?
Nacha attributed the growth to user demand for faster payments. The release did not quantify that demand or specify which users and payment purposes accounted for the increase.
How did the wider ACH Network perform?
The ACH Network processed 9.3 billion payments worth $25.6 trillion in Q3 2026. Nacha reported year-over-year increases of about 6% in volume and 10% in value.
Do the reported figures explain which types of payments used Same Day ACH?
No. Nacha provided volume figures for categories including P2P, internet, healthcare and direct deposit across the ACH Network, but the supplied release does not identify how much of those categories used Same Day ACH.
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