The number of US Same Day ACH transactions is rising in 2026. This chart uses only comparable quarterly network observations from Nacha—no ecommerce conversion claims, and no imaginary daily payment ticker.
These are payment-network transactions, not conversion rates, merchant accounts or ecommerce orders.
Volume increased each quarter of 2026 through September. The same-day service is a subset of ACH and should not be confused with instant settlement.
| Quarter | Reported volume | Measurement period | Official report |
|---|---|---|---|
| Q1 2026 | 403 million | January–March 2026 | Nacha · 2026-04-20 ↗ |
| Q2 2026 | 435.7 million | April–June 2026 | Nacha · 2026-07-30 ↗ |
| Q3 2026 | 470.4 million | July–September 2026 | Nacha · 2026-10-20 ↗ |
Total ACH volumes remained high across quarters; these published figures are rounded to one decimal place, so similar-looking bars may hide differences.
| Quarter | Reported volume | Measurement period | Official report |
|---|---|---|---|
| Q1 2026 | 8.9 billion | January–March 2026 | Nacha · 2026-04-20 ↗ |
| Q2 2026 | 9.3 billion | April–June 2026 | Nacha · 2026-07-30 ↗ |
| Q3 2026 | 9.3 billion | July–September 2026 | Nacha · 2026-10-20 ↗ |
Values are from distinct official Nacha quarterly releases, published April, July and October 2026. Q4 2026 is not yet reported. Never compare these quarterly bars directly with a 2025 annual total without normalizing reporting periods.
These are network-level US ACH transactions. To understand your merchant's payment success, you need transaction attempts, eligible method exposure, approval, pending statuses, refunds and net settlement from your own PSPs.
Official payment counts for a defined quarter and service (ACH or Same Day ACH).
The statistic does not include your checkout attempts, failure codes, card authorizations or merchant completion rate.
Same Day ACH and real-time payments are different mechanisms with different settlement timing and bank availability.
New quarterly figures can be added with their source URLs and metadata. We will not fill missing quarters or silently estimate unsupported market data. Use the underlying ledger for other regions and methods.
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