Businesses have more payment options than ever before, from traditional methods such as checks and ACH to newer alternatives including real-time payments and commercial cards. While innovation continues to reshape the payments landscape, adoption and transaction value can vary significantly across payment rails. The following data highlights the annual value of B2B payments processed through several of the industry’s most widely used payment methods.
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Data for today’s episode is provided by Javelin Strategy & Research’s Report: 2026 Commercial Payments Factbook
Value of B2B Payments by Instrument in 2025
- ACH — $190 trillion
- Check — $19 trillion
- RTP — $2 trillion
- Card — $2 trillion
Source: Federal Reserve, Nacha, FedNow, Javelin analysis
About Report
This report examines the outlook for the U.S. commercial payments industry through 2029, providing forecasts for key B2B payment methods such as ACH, checks, real-time payments, and commercial card products. For this edition, the analysis incorporates both baseline and downside economic scenarios, reflecting heightened uncertainty in the broader economy and the potential effects of persistent energy market disruptions on business activity, inflation, and spending patterns.
The study explores how payment usage and transaction values may change over the forecast period, identifies areas where economic headwinds could have the greatest impact, and highlights opportunities for growth across commercial card segments, including virtual cards and purchasing cards. Designed for banks, payment providers, fintechs, and technology vendors, the report offers insight into evolving commercial payment preferences and helps inform product development, go-to-market planning, and long-term business strategy.