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.
