The ACH Network processed 35.2 billion payments in 2025, an increase of nearly five percent over 2024. The total value of those payments reached $93 trillion, up almost eight percent year over year. Including payments processed within originating institutions rather than across the network, total ACH payment volume exceeded 42 billion.
Same Day ACH drove the strongest growth within the network. The channel processed 1.4 billion payments valued at $3.9 trillion, representing volume growth of 16.7 percent and value growth of 21.4 percent from 2024. December 2025 set a monthly Same Day ACH record of 172.1 million payments. November 2025 established a new average daily volume record of 151 million payments per business day.
Business-to-business payments grew at nearly double the overall rate. B2B volume reached 8.1 billion payments, an increase of almost ten percent. Nacha's Top 50 list of originating institutions, published in March 2026, shows that the top 50 handled 30.7 billion payments, accounting for 91.4 percent of commercial payment volume on the network. Wells Fargo led originations with 8.7 billion payments, followed by JPMorgan Chase at 6.7 billion and Bank of America in third position.
On the receiving side, the Top 50 institutions processed 23 billion payments, up 6.4 percent, representing 65.1 percent of total network volume. Bank of America received the most payments at four billion, followed by JPMorgan at 3.8 billion and Wells Fargo at three billion. PNC Financial Services Group and U.S. Bancorp rounded out the top five receivers.
The ACH Network transferred 8.74 billion direct deposits in 2025, covering payroll, Social Security benefits, tax refunds, and retirement distributions. Healthcare claim payments from insurers to medical and dental providers approached 548 million transactions, an increase of 7.3 percent from 2024. The acceleration in Same Day ACH, which has grown from zero to 1.4 billion annual payments since its 2016 launch, shows sustained corporate demand for faster settlement within the existing batch clearing infrastructure.