The nation’s ACH Network hit record levels in 2025, driven in large part by rising business-to-business payment activity and rapid adoption of Same Day ACH — a shift that underscores how digital payments are becoming core infrastructure for B2B ecommerce.
Nacha, which governs the ACH Network, reported that total ACH volume reached 35.2 billion payments in 2025. That’s a 5% year-over-year increase from 2024. The value of those payments climbed almost 8% to $93 trillion.
Much of that growth came from businesses. B2B ACH payments increased 10% year over year to about 8.1 billion transactions. Meanwhile, Same Day ACH — increasingly used for time-sensitive supplier, distributor and health care payments — grew 16.7% in volume and 21.4% in value.
In total, there were 1.4 billion Same Day ACH payments in 2025 worth $3.9 trillion. By December, Same Day ACH payments averaged 7.8 million per day.
December also marked the highest monthly ACH volume ever recorded at 3.22 billion payments, including a record 172.1 million Same Day ACH transactions. In November, the network set an average daily record of 151 million payments.
“These impressive results and new records show that the modern ACH Network is continuing to meet the needs of American consumers and businesses for safe, fast payments,” said Jane Larimer, Nacha president and CEO.
Role of ACH in B2B ecommerce sales
For B2B ecommerce operators — particularly distributors, manufacturers, and health care suppliers — the numbers highlight a less visible but critical layer of digital transformation. That is: how money moves after an online order is placed.
As more procurement shifts to ecommerce portals, marketplaces and digital ordering platforms, payment methods are shifting as well. ACH, long associated with payroll and bill pay, is now serving as the primary rail for digital invoice settlement between trading partners.
Health care claim payments from insurers to medical and dental providers reached 548 million in 2025. That’s up 7.3% from a year earlier. The figure reflects how ACH is replacing paper remittance processes in regulated, documentation-heavy payment environments.
Larimer said the data shows businesses of all sizes are moving away from checks.
“Whether it’s a neighborhood dentist’s office or a multinational corporation, no business should be sending or receiving checks in 2026,” she said.
Fourth-quarter results reinforced the trend. ACH payments totaled 9.1 billion in the final three months of 2025, up 5.1% from the same period a year earlier. Payment value rose 8.9% to $24.4 trillion.
The acceleration of Same Day ACH is particularly relevant for ecommerce-driven supply chains, where faster payment cycles help distributors:
- Manage cash flow.
- Release orders more quickly.
- Reduce credit risk between buyers and sellers.
Nacha has also been promoting tools such as Phixius, its data-exchange platform, and ISO 20022-aligned standards to improve payment data accuracy, account validation and interoperability — foundational capabilities for automated B2B ordering and settlement systems.
Taken together, the data suggests that while ecommerce platforms and AI tools are reshaping how businesses buy, ACH is quietly becoming the default mechanism for how they pay.
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Sign up for a complimentary subscription to Digital Commerce 360 B2B News. It covers technology and business trends in the growing B2B ecommerce industry. Contact Mark Brohan, senior vice president of B2B and Market Research, at mark@digitalcommerce360.com. Follow him on Twitter @markbrohan. Follow us on LinkedIn, X (formerly Twitter), Facebook and YouTube.
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