Same Day ACH Per Payment Limit to Increase to $10 Million

SAN DIEGO--(BUSINESS WIRE)--The Same Day ACH per payment limit will rise to $10 million under a Rule change approved by the Nacha membership, Nacha announced today at its Smarter Faster Payments 2026 conference.

The increase takes effect Sept. 17, 2027, and will be the third increase in the history of Same Day ACH. The initial $25,000 maximum was raised to $100,000 in 2020, and then to $1 million in March 2022.

Nacha anticipates the new $10 million cap will enhance Same Day ACH use cases for invoice and tax payments, insurance claim payments, payroll funding, merchant settlement, and cash concentration, among other uses.

“Nacha has been hearing from ACH Network users that they wanted a higher limit, and we are pleased to meet that need,” said Jane Larimer, Nacha President and CEO. “With its speed and security, Same Day ACH is helping to meet the demand for faster payments.”

In the first quarter of 2026 there were 403 million Same Day ACH payments valued at $1.1 trillion, up 23.6% and 22.1% respectively from the same period a year ago. These increases followed a banner year in 2025 with 1.4 billion payments worth $3.9 trillion, respective increases from 2024 of 16.7% and 21.4%.

In September, Same Day ACH will celebrate its 10th anniversary. Learn more about Same Day ACH, including use cases and success stories, on Nacha’s website.

About Nacha

Nacha governs the thriving ACH Network, the payment system that drives safe, smart, and fast Direct Deposits and Direct Payments with the capability to reach all U.S. bank and credit union accounts. There were 35.2 billion ACH Network payments made in 2025, valued at $93 trillion. Through problem-solving and consensus-building among diverse payment industry stakeholders, Nacha advances innovation and interoperability in the payments system. Nacha develops rules and standards, provides industry solutions, and delivers education, accreditation, and advisory services.