As businesses continue to modernize their payment processes, Automated Clearing House (ACH) transactions have become an increasingly important part of the commercial payments landscape. By examining ACH’s share of total B2B transaction volume from 2021 through 2025, we can better understand how adoption has evolved and whether ACH is capturing a larger portion of business payment activity. The data reveals important trends in payment preferences and offers insight into the direction of the B2B payments market.
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Data for today’s episode is provided by Javelin Strategy & Research’s Report: Instant, Faster and Same Day Payments: Where Speed is Grabbing Share
Value of Same Day ACH for B2B Payments, by Year
- $105 trillion – 2022
- $108 trillion – 2023
- $116 trillion – 2024
- $126 trillion – 2025
Source: NACHA, Javelin Analysis
About Report
A decade after the Federal Reserve encouraged the development of market-driven faster-payment solutions, the U.S. payments landscape is beginning to take shape as a multi-rail ecosystem with increasingly specialized use cases. This report explores how various faster-payment methods are finding their place within the market, with adoption influenced not only by speed but also by factors such as transaction value, data requirements, risk controls, availability, and integration with existing business processes.
The analysis highlights where adoption is accelerating, the factors fueling growth in commercial payments, and how individual payment rails are carving out distinct roles within the broader ecosystem. For financial institutions, payment networks, processors, fintech companies, and corporate-payments stakeholders, the findings provide valuable context for strategic planning, product development, customer engagement, and investment priorities as faster payments continue to expand their influence across the U.S. payments market.