INSIGHT · US
Same Day ACH payments surge 29.5% year-over-year in Q2 as enterprises prioritize speed
The ACH Network processed 29.5% more Same Day ACH payments in Q2 2026 versus Q2 2025. Nacha, which governs the system, attributes growth to enterprise demand for faster, secure payouts competing with real-time payment rails.
WHY IT MATTERS
Same Day ACH adoption accelerating faster than Federal Reserve's FedNow; suggests enterprises still favor traditional rails with proven settlement over new real-time systems, reducing urgency for FedNow migration.
Source: PYMNTS · 2026-07-30