Nacha Approves $10 Million Same-Day ACH Transaction Limit Increase
Nacha has approved a rule change that will increase the per-transaction limit for Same Day ACH payments from $1 million to $10 million beginning Sept. 17, 2027, expanding the network’s ability to support higher-value business and commercial transactions.
The rule amendment was approved by Nacha members during the organization’s Smarter Faster Payments conference and comes as demand for faster settlement options continues to grow across the payments ecosystem.
The increase marks the third expansion of the Same Day ACH limit since the payment capability launched in 2016. Nacha initially introduced Same Day ACH with a $25,000 transaction cap before increasing the threshold to $100,000 in 2020 and then to $1 million in 2022.
Nacha Cites Rapid Growth in Same-Day ACH Usage
Nacha President and CEO Jane Larimer said the increase reflects sustained growth in both the volume and value of Same Day ACH payments over the last several years.
“In 2022, there were 697.5 million Same Day ACH payments,” Larimer wrote in a blog post announcing the rule change. “Fast forward to 2025 and there were 1.4 billion. That’s a 101% increase in just four years, and right alongside it, the value of those payments jumped 129%, from $1.7 trillion to $3.9 trillion.”
According to Larimer, demand for faster settlement capabilities is coming from a broad range of market participants, particularly businesses seeking more efficient payment options for larger-value transactions.
“When the $10 million limit begins, expect to see enhanced B2B use cases such as invoice payments, payroll funding, cash concentration, tax payments, and merchant settlement,” she wrote.
Larimer also framed the rule approval as part of the broader evolution of the ACH Network as Same Day ACH approaches its 10-year anniversary in September, 2026.
“Demand for a $10 million limit, and the green light to proceed, reflects what the industry requires from the ACH Network,” Larimer stated.
Payment Networks Continue Expanding Higher-Value Capabilities
The new limit places Same Day ACH in line with competing real-time payment networks that have recently expanded their own transaction thresholds.
The Clearing House raised the transaction limit on its Real-Time Payments (RTP) network to $10 million in February 2025, while the Federal Reserve’s FedNow Service increased its cap to $10 million later that year.
The changes across payment rails reflect broader industry movement toward supporting higher-value instant and accelerated payments, particularly for commercial transactions.
For financial institutions and payment providers, the higher threshold may also increase operational and fraud-monitoring responsibilities. Larger-value payments create greater exposure in cases involving unauthorized transfers, account compromise, or payment fraud.
As adoption continues to grow, banks and payment processors may face increased pressure to strengthen authentication controls, transaction monitoring systems, and fraud prevention strategies ahead of the 2027 implementation date.
