payments
Originated payments processed on the US ACH Network in 2025, excluding off-network/on-us ACH.
Nacha · official source ↗PAYMENTS INTELLIGENCE / NUMBERS THAT CAN BE TRACED
Know the numbers behind payments.
Network volumes, card usage, merchant money movement and financial inclusion are often mixed together. Our source ledger keeps each figure attached to its period, definition, geography and original publisher.
32 source-linked observations5 primary publishersCSV / JSON downloads
01 / DATA POINTS IN CONTEXT
Four signals, four different definitions.
These figures do not share a denominator, currency or reporting interval. Treat each as its own series.
transactions
October 2026 UPI monthly volume: 25,466.70 million transactions, reported by the National Payments Corporation of India.
NPCI · official source ↗non-cash payments
Number of non-cash payments in euro area during the second half of 2025.
European Central Bank · official source ↗USD transacted
Global mobile money transaction value in 2025 as reported in GSMA State of the Industry Report on Mobile Money 2026.
GSMA · official source ↗INTERACTIVE MARKET INTELLIGENCE
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NEW / TIME-SERIES INTELLIGENCE
See payment trends ↗Follow US payment volumes quarter by quarter.
Compare 2026 Same Day ACH and total ACH Network payment counts using official Nacha releases, compatible quarterly units and underlying source tables.
02 / SEARCHABLE DATA LEDGER
Numbers with the footnotes attached.
Filter by geography, system or topic. Each record includes the original source, publication date, measurement period and correct interpretation.
ACH & bank payments403 million
Same Day ACH payments
United States · January–March 2026What this measures
Same Day ACH payments processed during Q1 2026, as reported by Nacha.
What it does not mean
Quarterly ACH same-day network volume; not an estimate of instant ecommerce payment checkout, and does not itself establish 24/7 availability.
ACH & bank payments9.3 billion
ACH payments
United States · July–September 2026What this measures
Total ACH Network payments processed in Q3 2026.
What it does not mean
Quarterly network total, inclusive of many uses outside ecommerce; do not compare directly with annual statistics without period alignment.
ACH & bank payments$25.6 trillion
USD transferred
United States · July–September 2026What this measures
Total dollar value of ACH payments during Q3 2026, as reported by Nacha.
What it does not mean
Payment-value flows include payroll, B2B and transfers; they are not processor revenues.
ACH & bank payments470.4 million
Same Day ACH payments
United States · July–September 2026What this measures
Same Day ACH volume processed during Q3 2026.
What it does not mean
Same-day processing does not mean instant finality or 24/7 access for every merchant.
ACH & bank payments$1.3 trillion
USD transferred on Same Day ACH
United States · July–September 2026What this measures
Dollar value processed by Same Day ACH during Q3 2026.
What it does not mean
Underlying bank payment value, not net merchant revenue.
ACH & bank payments9.3 billion
ACH payments
United States · April–June 2026What this measures
Total ACH Network payment volume in Q2 2026.
What it does not mean
Rounded quarterly total; not a count of unique payers or checkouts.
ACH & bank payments435.7 million
Same Day ACH payments
United States · April–June 2026What this measures
Same Day ACH payment count during Q2 2026.
What it does not mean
Do not treat a same-day ACH transaction as guaranteed instant checkout confirmation.
ACH & bank payments8.9 billion
ACH payments
United States · January–March 2026What this measures
Total ACH Network payment volume in Q1 2026.
What it does not mean
The total includes payroll, bill pay and many commercial transactions outside retail checkout.
Cards & non-cash payments47.8 billion
card payments
Euro area · July–December 2025What this measures
ECB-reported card payment transaction count for euro area H2 2025.
What it does not mean
Includes physical and remote card payments; does not mean ecommerce transactions.
PRIMARY SOURCEEuropean Central BankPublisher date: 2026-07-22
Release schedule: SemiannualOpen original data ↗
Release schedule: SemiannualOpen original data ↗
Cards & non-cash payments€1.8 trillion
EUR card payment value
Euro area · July–December 2025What this measures
Value of euro area card payments during H2 2025.
What it does not mean
A transaction value figure rather than payment network or acquirer revenue.
PRIMARY SOURCEEuropean Central BankPublisher date: 2026-07-22
Release schedule: SemiannualOpen original data ↗
Release schedule: SemiannualOpen original data ↗
Cards & non-cash payments19%
remote share of card count
Euro area · July–December 2025What this measures
Share of card payment transaction count initiated remotely, versus non-remote, in the euro area H2 2025.
What it does not mean
Remote includes diverse distance-initiated payments; percentage is of card transaction count, not of all purchases or transaction value.
PRIMARY SOURCEEuropean Central BankPublisher date: 2026-07-22
Release schedule: SemiannualOpen original data ↗
Release schedule: SemiannualOpen original data ↗
ACH & bank payments17.8 billion
credit transfers
Euro area · July–December 2025What this measures
ECB-reported credit transfers, including SEPA instant credit transfers, within the euro area during H2 2025.
What it does not mean
Credit transfers are not all merchant pay-by-bank checkout.
PRIMARY SOURCEEuropean Central BankPublisher date: 2026-07-22
Release schedule: SemiannualOpen original data ↗
Release schedule: SemiannualOpen original data ↗
Financial access872.7 million
payment cards
Euro area · End of December 2025What this measures
Number of cards with a payment function in the euro area at end-H2 2025.
What it does not mean
Cards, not unique cardholders; e-money-only cards are excluded.
PRIMARY SOURCEEuropean Central BankPublisher date: 2026-07-22
Release schedule: SemiannualOpen original data ↗
Release schedule: SemiannualOpen original data ↗
Merchant acceptance25.7 million
POS terminals
Euro area · End of December 2025What this measures
Approximate point-of-sale terminals reported for euro area at end-H2 2025.
What it does not mean
ECB warns terminal counts may double-count devices with multiple acquirers; not a count of independent merchants.
PRIMARY SOURCEEuropean Central BankPublisher date: 2026-07-22
Release schedule: SemiannualOpen original data ↗
Release schedule: SemiannualOpen original data ↗
Instant payments & local rails758
banks live on UPI
India · October 2026What this measures
NPCI monthly table number of banks live on UPI for October 2026.
What it does not mean
Counts live banks, not eligible payment aggregators, merchants or international accepting entities.
Mobile money & wallets+42%
year-on-year merchant-payment value
Global · 2024–2025What this measures
GSMA reports value of mobile money merchant payments rose from $109 billion in 2024 to $155 billion in 2025, about 42% growth.
What it does not mean
Global mobile-money merchant transaction estimate; not overall ecommerce market growth.
Financial access141
economies surveyed
Global · 2024 survey / 2025 editionWhat this measures
Nationally representative survey coverage for the Global Findex 2025 edition.
What it does not mean
Surveyed economies are not equivalent to all countries, merchant payment service providers or financial institutions.
ACH & bank payments11.41 billion
internet-initiated ACH payments
United States · Calendar year 2025What this measures
Nacha-reported 2025 internet-initiated ACH payments.
What it does not mean
An internet ACH origination includes many uses beyond ecommerce orders; never equate directly to payment page checkouts.
ACH & bank payments35.2 billion
payments
United States · Calendar year 2025What this measures
Originated payments processed on the US ACH Network in 2025, excluding off-network/on-us ACH.
What it does not mean
A network-wide payments total, including payroll and B2B transfers, not US ecommerce transactions or merchant checkout conversions.
ACH & bank payments$93 trillion
USD transferred
United States · Calendar year 2025What this measures
Value of payments originated on the ACH Network in 2025.
What it does not mean
Includes B2B and consumer transfers; do not equate with card purchase volume, GDP or ecommerce sales.
ACH & bank payments1.45 billion
payments
United States · Calendar year 2025What this measures
Same Day ACH payments processed on the ACH Network in 2025.
What it does not mean
Same Day ACH is an ACH service, not a promise of same-second funds or immediate merchant checkout.
B2B & treasury8.08 billion
B2B payments
United States · Calendar year 2025What this measures
B2B transactions on the ACH Network for 2025.
What it does not mean
Business-originated payments, not a count of distinct businesses, merchants or retail checkouts.
Instant payments & local rails25.47 billion
transactions
India · October 2026What this measures
October 2026 UPI monthly volume: 25,466.70 million transactions, reported by the National Payments Corporation of India.
What it does not mean
UPI network transaction volume, not a measure of ecommerce usage, merchant adoption or foreign-merchant acceptance.
Instant payments & local rails₹31.53 trillion
INR transferred
India · October 2026What this measures
NPCI reports October 2026 UPI transaction value of 31,52,929.46 crore rupees.
What it does not mean
Network-wide transfer value, not payment-processing revenue or online retail sales.
Cards & non-cash payments83.5 billion
non-cash payments
Euro area · July–December 2025What this measures
Number of non-cash payments in euro area during the second half of 2025.
What it does not mean
Includes card payments, credit transfers, direct debits and e-money. Not a merchant-only measure.
PRIMARY SOURCEEuropean Central BankPublisher date: 2026-07-22
Release schedule: SemiannualOpen original data ↗
Release schedule: SemiannualOpen original data ↗
Cards & non-cash payments57%
of non-cash payment count
Euro area · July–December 2025What this measures
Card payments' share of total non-cash payment count in euro area H2 2025.
What it does not mean
Transaction-count share, not the share of payment value or the share of ecommerce checkout.
PRIMARY SOURCEEuropean Central BankPublisher date: 2026-07-22
Release schedule: SemiannualOpen original data ↗
Release schedule: SemiannualOpen original data ↗
Cards & non-cash payments32.9 billion
contactless card payments
Euro area · July–December 2025What this measures
Number of contactless card payments in euro area during H2 2025.
What it does not mean
Includes transactions at physical points of sale; not a proxy for online mobile-wallet checkout.
PRIMARY SOURCEEuropean Central BankPublisher date: 2026-07-22
Release schedule: SemiannualOpen original data ↗
Release schedule: SemiannualOpen original data ↗
Mobile money & wallets$2.1 trillion
USD transacted
Global · Calendar year 2025What this measures
Global mobile money transaction value in 2025 as reported in GSMA State of the Industry Report on Mobile Money 2026.
What it does not mean
Includes multiple mobile money use cases; not equivalent to merchant payment volume or card payments.
Mobile money & wallets$155 billion
USD merchant payments
Global · Calendar year 2025What this measures
Value of mobile money merchant payments in 2025, drawn from GSMA supply-side survey and estimates.
What it does not mean
Merchant-specific mobile-money estimate, distinct from the total $2.1 trillion in mobile-money flows.
Financial access2.3 billion
registered accounts
Global · Calendar year 2025What this measures
Registered mobile money accounts worldwide in 2025, per GSMA's 2026 report.
What it does not mean
Accounts are not unique people or active monthly users, and figures are not all bank accounts.
Financial access593 million
active accounts (30-day)
Global · Calendar year 2025What this measures
GSMA-reported 30-day active mobile money accounts in 2025.
What it does not mean
Active accounts rather than distinct individuals; distinguish from registered accounts.
Financial access148,000
adults surveyed
Global · 2024 survey / 2025 editionWhat this measures
Approximate nationally representative adult respondents for the 2025 Findex edition, covering 141 economies.
What it does not mean
Survey sample size, not a payments volume or worldwide adult population estimate.
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REUSABLE SOURCE LEDGER / V1.0
Download the records with their caveats.
Original data belongs to its publishers. PaymentSolutions.app adds cross-source organization, plain-language interpretation and direct source links; see publisher reuse terms before republishing source datasets.
03 / REPORTS & AUTHORITATIVE SERIES
Where the industry gets its evidence.
Use the underlying official releases when you need longitudinal comparisons, country-specific raw tables, methodological notes or revisions.
BIS / CPMIRed Book payment and FMI statistics
Cross-jurisdiction payment cards, terminals, cashless payments and settlement systems
Explore publisher ↗ECBPayments statistics and data portalEU and euro area volumes and payment-channel series
Explore publisher ↗World BankGlobal Findex 2025Survey-based access, digital payments and account ownership
Explore publisher ↗NachaACH Network volume and valueUS ACH annual and quarterly reporting
Explore publisher ↗NPCIUPI product statisticsIndia UPI monthly transaction volume and value
Explore publisher ↗GSMAState of the Industry: Mobile MoneyMobile money accounts, activity and transactions
Explore publisher ↗04 / LIVE VS. REPORTED DATA
Some numbers can update daily. Others cannot.
Payment networks usually publish counts monthly, quarterly or annually. We will not manufacture a real-time transaction ticker from annual figures. Our live desk retrieves dated foreign-exchange reference observations directly from a public source and labels their actual frequency.
Explore the live data desk ↗DATA INTEGRITY PRINCIPLES
- Original source and direct link on every observation
- Measurement period distinct from publication date
- Correct units, denominator and geographical coverage
- Explicit caveats on merchant versus system activity
- No fabricated real-time payment volume or conversion statistics
05 / WHAT THE STATISTICS MEAN
Answers for researchers and payment buyers.
How many ACH payments occurred in the United States in 2025?
Nacha reports approximately 35.2 billion payments on the US ACH Network in 2025. This is an operator-network statistic that includes commercial, personal and government payment types.
How large was UPI in October 2026?
NPCI reports 25,466.70 million UPI transactions during October 2026. This is a network total, not all online retail purchases.
What percentage of euro area non-cash payments were cards?
The ECB reports 57% by transaction count during July–December 2025. Payment value shares and ecommerce shares are different measurements.
Can I use these numbers to estimate checkout conversion?
Not directly. National network volumes cannot supply your merchant-specific traffic, funnel drop-off, authorization, or net-payment-success rates.
Are the statistics live?
The ledger records latest researched official releases at the dates shown. The live data desk fetches reference FX observations; it does not claim real-time global payment transaction counts.