Nacha announced on April 27 at its Smarter Faster Payments 2026 conference that its membership approved raising the Same Day ACH per-payment limit to $10 million. The new cap takes effect September 17, 2027.
This is the third Same Day ACH limit increase since the service launched with a $25,000 ceiling in September 2016. The cap rose to $100,000 in 2020. Nacha raised it to $1 million on March 18, 2022. Nacha anticipates the $10 million threshold will expand use for invoice and tax payments, insurance claim payouts, payroll funding, merchant settlement, and cash concentration.
Same Day ACH volume doubled from 697.5 million transactions in 2022 to 1.4 billion in 2025. Jane Larimer, Nacha President and CEO, said demand from network users drove the decision.