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A Higher Dollar Limit for Same Day ACH Means a Huge Growth Opportunity for B2B

This article was originally published January 8, 2020 on

Written by: Michael W. Kahn

Editor’s Note: This is the first in a three-part series on an upcoming enhancement to Same Day ACH. On March 20, 2020, the dollar amount limit per payment increases from $25,000 to $100,000. Today we look at what Originators can do to prepare.

Same Day ACH for B2B is huge—and about to get even bigger. 

In the first three quarters of 2019 there were 36.8 million Same Day ACH payments used for B2B transactions, transferring $61 billion. Those numbers are up 49.8% and 47.1%, respectively, from the same time in 2018. 

Now that the per-payment dollar limit is quadrupling, “As an Originator, more of your B2B payments are going to be eligible for Same Day ACH,” said Debbie Barr, Nacha Senior Director, ACH Network Rules Process & Communications. In fact, Nacha estimates the change will make 97% of all ACH B2B payments eligible for Same Day ACH, up from 91% that are currently eligible.

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