What Nacha’s amended rules mean for your ACH fraud monitoring

Despite being an older technology, ACH (Automated Clearing House) payment has grown into one of the most popular online payment rails. Merchants offer WEB ACH because the economics are compelling: bank declines are significantly lower than with credit cards, and per-transaction fees are a fraction of card interchange fees. According to Nacha, the organization that governs the ACH network, internet payments on the ACH network reached 11.41 billion in 2025, totaling $6.98 trillion — a 6.1 percent year-over-year increase in payment volume.