Nacha seeks comments by Thursday, December 18, 2025 on a proposal to continue to expand the capabilities of Same Day ACH by increasing the per-transaction dollar limit for Same Day ACH entries from $1 million to $10 million. Increasing the Same Day ACH dollar limit is expected to improve Same Day ACH use cases and contribute to additional adoption.

Since inception in September 2016, Same Day ACH has handled over 5.25 billion payments moving $12.1 trillion.  The capabilities of Same Day ACH have been enhanced numerous times: 1) by adding a third, daily processing window; 2) by increasing the per-payment dollar limit on 2 separate occasions; and 3) by accelerating funds availability.  Same Day ACH, inclusive of these enhancements, has benefitted the consumers, businesses and other organizations that use ACH payments.

Now, Nacha is seeking comments on once again raising the per-entry dollar limit for Same Day ACH. This change would increase the limit from $1 million per payment to $10 million per payment. The increase would apply to all Same Day ACH payments. Implementing the increase for both debit and credit Same Day ACH Entries would maintain the uniformity of eligibility for Same Day ACH, and preserve the utility of same-day reversals (e.g., a reversing debit to correct an erroneous credit). The proposed effective date is March 19, 2027.

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