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.

The increase takes effect September 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.

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