04/22/2026
ACH just had its biggest quarter on record.
Payload is growing 150% year over year. That's not a coincidence.
For years, ACH was treated as a second-class citizen of the payments world. Buried behind the card experience, clunky integrations, and tools that made you feel like you were settling for a worse version of a real payment method.
Entire industries paid the price. Real estate, legal, property management, title, professional services, businesses processing billions in transactions, still stuck on checks, wires, and bank transfers because the modern payments stack didn't take ACH seriously.
We made a different bet. Pay-by-bank as a native, first-class experience. Cards and wallets fully supported alongside it. One platform. Every payment method. Every workflow.
Q1 shows the market catching up:
→ 403M Same Day ACH payments, +23.6% YoY
→ $1.1T in Same Day ACH value — second straight quarter over $1T
→ 2.1B B2B ACH payments in a single quarter, +9.4%
ACH isn't a second-class citizen anymore. And the industries that were told to wait are the ones moving the fastest.
If your business still runs on checks, wires, or legacy ACH tools, it's time to talk.
Payload was built for this.
Nacha's full Q1 report: https://lnkd.in/gxd--G3m
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