The Same Day ACH per payment limit will rise to $10 million under a Rule change approved by the Nacha membership, Nacha announced at its Smarter Faster Payments 2026 conference.
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“Nacha has been hearing from ACH Network users that they wanted a higher limit, and we are pleased to meet that need.”
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%.
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