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October 20, 2026
On the web
Same Day ACH Growth Propels the ACH Network Forward in Third Quarter of 2026
Nacha
"Same Day ACH growth of nearly 37% in volume and 32% in value were among the factors behind the strong third quarter 2026 performance of the modern ACH Network. There were 9.3 billion payments with a total value of $25.6 trillion across the ACH Network in the third quarter. Those are respective increases of 5.9% and 10.2% over the same period in 2025. Same Day ACH accounted for 470.4 million of those payments, up 36.7% from a year earlier."
October 13, 2026
On the web
Check Your Vendors’ Quantum-Safe Readiness with New Tool from Nacha’s Payments Innovation Alliance
Nacha
"The time for financial institutions to prepare for quantum-safe computing is now, and Nacha’s Payments Innovation Alliance has a new tool to help. The Alliance’s Quantum Payments Project Team has created a Vendor Questionnaire which banks and credit unions of all sizes can use to confirm their vendors’ plans, timelines, impacts to an FI’s organization, and to support current and emerging cryptographic standards."
October 1, 2026
On the web
Nacha’s Payments Innovation Alliance Unveils New and Updated Resources for Cybersecurity Awareness Month
Nacha
"Nacha’s Payments Innovation Alliance is taking an active role in 2026’s Cybersecurity Awareness Month this October, unveiling new and updated resources from its Cybersecurity & Payments AI Project Team. The new resource is a “Hacker Hunt ” game designed to familiarize employees with common scam communications and generate discussion about the best practices for distinguishing scam from safe communications."
September 25, 2026
On the web
Redefining ‘Banking Day’ in the Nacha Rules: Your Input is Needed
Nacha
"Regardless of how early or late your bank or credit union is open, and whether or not you’re open weekends, the term “Banking Day” is generally understood to mean Monday-Friday, excluding federal holidays. Now, Nacha is looking to formalize this in the Nacha Rules, which is why we’re issuing a Request for Comment (RFC) on a new proposal. It would change the definition of “Banking Day” in the Rules to “a calendar day other than a Saturday, Sunday, or Federal banking holiday in the United States."
September 17, 2026
On the web
Nacha: 10 Years of Same Day ACH is Just the Beginning
Nacha
"The story of Same Day ACH is about much more than the numbers. It’s about how the payments industry came together to make ACH payments faster while preserving the reach, safety and reliability that have made the ACH Network the backbone of the U.S. financial system. The 2016 launch was just the beginning. And Nacha continues to provide enhancements. On Sept. 17, 2027, the Same Day ACH per-payment limit will increase tenfold from $1 million to $10 million."
September 9, 2026
On the web
New Nacha Payments Innovation Alliance Project Team Focused on Stablecoins and Tokenized Deposits
Nacha
"As digital assets become an increasingly important part of the payments universe, Nacha's Payments Innovation Alliance is unveiling its newest initiative: the Next-Gen Currency Project Team. The team, led by Nacha and the Digital Sovereignty Alliance, will explore the global use of digital assets—including stablecoins and tokenized deposits—for money movement."
August 13, 2026
Top Post
Three New Nacha Rules Approved
Nacha
"Nacha voting members have approved three new Nacha Rules—including one which took effect immediately, opening the ACH Contact Registry to the U.S. Treasury’s Bureau of the Fiscal Service (BFS). Another newly approved Rule will document the current set of characters that are accepted by the two ACH Operators. This Rule takes effect Jan. 1, 2027. The third approved Rule creates an exception to a separate, upcoming Rule concerning funds availability."
August 12, 2026
On the web
Gen Z Spotlighted in Newest Installments of Nacha Campaign Highlighting Direct Deposit and Direct Payment
Nacha
"From ease and convenience to safety and reliability, the benefits of both Direct Payment and Direct Deposit to members of Generation Z are highlighted in the latest installments of a campaign from Nacha. Featured on DirectDeposit.org and DirectPayment.org, the stories spotlight five Gen Zers for the ways they use Direct Deposit and Direct Payment—both powered by the modern ACH Network—to simplify their lives."
July 30, 2026
On the web
Large Gains in Same Day ACH Help Drive ACH Network in Second Quarter of 2026
Nacha
"A nearly 30% jump in the number of Same Day ACH payments and a nearly 10% increase in business-to-business payments helped drive the ACH Network’s second quarter 2026 growth. For the quarter, volume on the ACH Network totaled 9.3 billion payments valued at $25.9 trillion, respective increases of 6.2% and 11.1% over the same period in 2025. Same Day ACH handled 435.7 million payments in the second quarter, up 29.5%, while the value of those payments climbed 28.1% to $1.3 trillion."
July 28, 2026
Top Post
Three New Nacha Rules Approved
Nacha
"Nacha voting members have approved three new Nacha Rules—including one which took effect immediately, opening the ACH Contact Registry to the U.S. Treasury’s Bureau of the Fiscal Service (BFS). Another newly approved Rule will document the current set of characters that are accepted by the two ACH Operators. The third approved Rule creates an exception to a separate, upcoming Rule concerning funds availability."
June 10, 2026
On the web
Same Day ACH Increased Limit as a Treasury Advantage: Driving Liquidity and Control at Optimal Speed
Nacha
"Since its introduction in 2016, Same Day ACH has evolved from a faster payment option into a strategic treasury tool that helps organizations enhance liquidity, control, and operational efficiency. Same Day ACH will become an even more popular tool on Sept. 17, 2027, when the dollar limit per transaction is increased to $10 million."
June 5, 2026
On the web
New Enhancement to Nacha’s Risk Management Portal Helps FIs Keep ACH Contacts Current
Nacha
"A new enhancement is now live, giving financial institutions an easy and reliable way to verify that their ACH Contact Registry information is accurate and up to date. FI Administrators that navigate to the ACH Contact Registry landing page will be prompted to verify their mandatory contact information via a new feature, only if they are compliant with the Nacha Rules:"
May 8, 2026
On the web
Ignore Stablecoins at Your Own Risk
Nacha
"At the moment, you’re unlikely to use stablecoin to pay for your new lawnmower or for the mocha latte to give you the energy to use it. But will that always be the case? Molly Woodman sees a day when things will be different. “People need to understand it a little bit better before using it, and that includes the merchants,” said Woodman, Senior Policy Advisor at the Digital Sovereignty Alliance, a nonprofit focusing on advocacy and education in the digital economy."
April 27, 2026
Top Post
Raising the Limit to $10 Million Reflects the Demand for Same Day ACH
Nacha
"Ten is a very important number this year at Nacha and there’s a lot to celebrate. Topping the list is the tenfold increase to the dollar limit for Same Day ACH payments just approved by the Nacha membership. The current $1 million rises to $10 million on Sept. 17, 2027."
April 20, 2026
On the web
Same Day ACH Gains Lead to First Quarter ACH Network Growth
Nacha
"Double-digit growth in Same Day ACH volume and value helped propel the ACH Network to a strong start in the first quarter of 2026. There were 403 million Same Day ACH payments, up 23.6% from the first quarter of 2025. Those payments were valued at $1.1 trillion, a 22.1% gain over a year ago, and the second straight quarter in which Same Day ACH value topped the $1 trillion mark."
April 16, 2026
On the wires
Nacha’s Payments Innovation Alliance Advances Quantum-Safe Payments Education for World Quantum Day
Business Wire
"In support of World Quantum Day, Nacha’s Payments Innovation Alliance is expanding its leadership on quantum-safe payments with the launch of a educational blog series from industry experts. The blog series builds on the Alliance’s foundational paper, “Protecting Payments in the Quantum Era: Setting a Course for Action,” which outlines how quantum computing could impact today’s cryptographic protections and what payments stakeholders should begin doing now to prepare."
April 15, 2026
On the web
Nacha: Rising to the Challenge of First-Party Fraud
Nacha
"Nacha’s Risk Management Advisory Group (RMAG), Rules and Operations Committee, and the First-Party Fraud Workgroup are looking at ways to better identify and mitigate first-party fraud. The first steps are education and raising awareness of the problem. We have issued a series of articles describing first-party fraud and addressing actions for both ODFIs and RDFIs."
March 30, 2026
On the web
Phixius by Nacha Adds Advanced Fraud Solutions as Fourth Data Responder
Nacha
"Phixius by Nacha—a secure, peer-to-peer payment information network—announced today that Advanced Fraud Solutions is now live on the Phixius network as a data responder. This addition makes Advanced Fraud Solutions the fourth data responder on Phixius, further expanding the breadth of account validation coverage available to Phixius users."
March 5, 2026
On the web
Nacha’s Top 50 ACH Originators and Receivers of 2025 Now Available; Total ACH Payment Volume in 2025 Exceeded 42 Billion
Nacha
"The Nacha Top 50 rankings of financial institution originators and receivers of ACH payments for 2025 are now available. Among originating financial institutions, the Top 50 handled ACH volume of 30.7 billion payments last year, up 4.7% from 2024. They accounted for 91.4% of the ACH Network’s total commercial payments volume. The Top 50 receiving institutions had ACH payment volume of 23 billion, an increase of 6.4% over 2024. These institutions accounted for 65.1% of total volume on the ACH Network, inclusive of payments received from the federal government."
February 5, 2026
On the web
Phixius by Nacha and Kinexys by J.P. Morgan Integration Goes Live, Expanding Multi-Responder Account Validation Network
Nacha
"Phixius by Nacha (Phixius) announced that its integration with Kinexys Liink, the world’s first bank-led peer-to-peer blockchain-based data sharing network, part of Kinexys by J.P. Morgan, is now live. With this integration, financial institutions and organizations that make ACH payments can benefit from a multi-responder account validation system. As part of the integration, Phixius serves as a key U.S. payment information network responder for clients of Kinexys Liink, enabling near real-time validation of domestic bank account data."
January 29, 2026
Top Post
Same Day ACH and Business-to-Business Payments Propel ACH Network Volume Growth in 2025
Nacha
"The ACH Network reached new highs in 2025 as both standard and Same Day ACH usage continued to grow, both in the number of payments and their value. Full year ACH Network volume totaled 35.2 billion payments, up nearly 5% over 2024. The value of those payments reached $93 trillion, an increase of almost 8%. Noteworthy milestones: December 2025 saw the ACH Network’s highest ever monthly volume of 3.22 billion payments, and the highest monthly volume of Same Day ACH payments of 172.1 million."
January 15, 2026
On the web
Nacha: EFT Healthcare Claim Payments Continue to Rise in 2025
Nacha
"It’s a trend that started more than a decade ago: Every year there’s a steady climb in the number of ACH healthcare claim payments from insurers to healthcare providers, and the value of those payments. 2025 is no exception, and the figures are impressive. Last year’s payments were worth a combined $2.94 trillion, up almost 11% from 2024, and a jump of 234% from 2014."
October 22, 2025
On the web
Transaction Tagging is One Bank’s Weapon to Combat Payments Fraud
Nacha
"Stopping fraudsters can be a lot like the arcade game Whac-A-Mole. Transaction tagging allows financial institutions to capture more granular context about the payment starting with its purpose in order to understand customer activity and to identify potential fraud including first-party fraud. The data can be used to feed machine learning models that are used to alert customers of potential unauthorized activity, as well as be used for investigation of claims."
October 16, 2025
On the web
B2B Payments on ACH Network Increase 10% in Third Quarter
Nacha
"New figures from Nacha confirm that businesses and other organizations continue to shift their business-to-business payments from checks to ACH. Overall B2B volume was nearly 2.1 billion payments, an increase of 10% from the third quarter of 2024. The value of those payments was $16 trillion, up 8.8%, and accounting 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."
September 12, 2025
On the web
ACH Operations #3-2025-Automating the Request for Proof of Audit
Nacha
"For over a decade, Nacha has been contacting financial institutions to request proof of an ACH Rules compliance audit of the financial institution and, if applicable, its Third-Party Senders, in accordance with Article One, Subsection 1.2.2 (Audits of Rules Compliance). Until now, this has been a manual process, which has limited the number of participants contacted. Beginning in October 2025, automation of this process through Nacha’s Risk Management Portal (riskmanagementportal.nacha.org) will enable Nacha to contact more financial institutions."
August 18, 2025
On the wires
Nacha’s Payments Innovation Alliance Releases Spanish-Language Resources to Help Prevent Consumer Financial Fraud
Business Wire
"Nacha’s Payments Innovation Alliance has released three new Spanish-language educational resources to help financial institutions inform and protect Spanish-speaking consumers from common financial scams. The materials aim to reduce exploitation by raising awareness of mobile scams and “money mule” activity."
August 8, 2025
On the web
First-Party Fraud and the Role of the RDFI
Nacha
"Members of Nacha’s Risk Management Advisory Group (RMAG) have noticed an increase in first-party fraud at their institutions, and Nacha representatives are fielding more questions on first-party fraud from other participants on the ACH Network. First-party fraud comes in many forms, but the two most concerning to RMAG member financial institutions and their customers are account opening schemes and false claims fraud."
August 5, 2025
On the web
How AI Accelerates and Enhances Payment Operations
Nacha
"The speed and scale of modern payment systems demand optimized operations. AI is changing that—accelerating processing, reducing human touchpoints, and giving end users more control over their payment experience. Manual tasks, such as reconciling returns, correcting misrouted payments, or managing ACH prenotes and NOCs, consume time and introduce operational risk. AI can introduce smart automation to these processes."
July 21, 2025
Top Post
Same Day ACH Leads ACH Network Growth in Second Quarter
Nacha
"The ACH Network recorded a solid second quarter of 5% growth, with Same Day ACH payments continuing significant gains with 15% growth from a year earlier. Overall, ACH Network growth continued in the second quarter with 8.7 billion payments valued at $23.3 trillion. Those are respective increases of 5% and 7.9% from a year earlier. The volume of Same Day ACH payments in the second quarter of 2025 was 336.4 million, moving $980.3 billion in value. These are increases of 15% and 22% respectively."
May 29, 2025
On the web
Will Consumers Accept Open Banking? A Global Perspective
Nacha
"Open banking has a lot of moving parts, but at the end of the day, it might well come down to two words: consumer acceptance. “In the U.S., it does seem that consumers are willing to engage in open banking to initiate payments, to link a bank account, to do things like a digital wallet load,” said Mike Herd, Nacha Executive Vice President, ACH Network Administration.
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