That value came on 435.7 million transactions, a 29.3% increase from 337 million same-day ACH transactions in the 2025 second quarter, says Nacha, the ACH governing body. Same-day ACH, which had its start in 2016, is available for all ACH transaction types except international. Also, no separate payment rail or new integration is needed to originate same-day ACH payments. Organizations that already use ACH can easily use the same rails for same-day ACH transactions, Nacha says. Internet ACH transactions, which are electronic money transfers using ACH, came to 3 billion in the quarter, up 7.6% from the year prior.